Financhill
Buy
64

SPFI Quote, Financials, Valuation and Earnings

Last price:
$40.69
Seasonality move :
10.31%
Day range:
$37.57 - $40.74
52-week range:
$29.36 - $40.91
Dividend yield:
1.61%
P/E ratio:
12.25x
P/S ratio:
3.27x
P/B ratio:
1.34x
Volume:
78.3K
Avg. volume:
56.1K
1-year change:
29.3%
Market cap:
$596.5M
Revenue:
$189.3M
EPS (TTM):
$3.00

Analysts' Opinion

  • Consensus Rating
    South Plains Financial has received a consensus rating of Buy. The company's average rating is a Buy based on 1 Buy rating, 0 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $42.50, South Plains Financial has an estimated upside of 15.62% from its current price of $40.60.
  • Price Target Downside
    According to analysts, the lowest downside price target is $38.00 representing -3.37% downside risk from its current price of $40.60.

Fair Value

  • According to the consensus of 1 analyst, South Plains Financial has 15.62% upside to fair value with a price target of $42.50 per share.

SPFI vs. S&P 500

  • Over the past 5 trading days, South Plains Financial has underperformed the S&P 500 by -1.06% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • South Plains Financial does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • South Plains Financial has grown year-over-year revenues for 5 quarters straight. In the most recent quarter South Plains Financial reported revenues of $47.7M.

Earnings Growth

  • South Plains Financial has grown year-over-year earnings for 2 quarters straight. In the most recent quarter South Plains Financial reported earnings per share of $0.72.
Enterprise value:
-46.7M
EV / Invested capital:
--
Price / LTM sales:
3.27x
EV / EBIT:
-0.30x
EV / Revenue:
-0.24x
PEG ratio (5yr expected):
0.27x
EV / Free cash flow:
-0.75x
Price / Operating cash flow:
10.07x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.19%
Net Income Margin (TTM):
26.69%
Return On Equity:
11.88%
Return On Invested Capital:
9.46%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $200.6M $178M $191.6M $45.4M $47.7M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $2.98 $3.74 $3.00 $0.64 $0.72
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $1.2B $1.3B $1B $988.4M $771.4M
Total Assets $3.7B $4B $4.1B $4.2B $4.4B
Current Liabilities $17.5M -- -- -- --
Total Liabilities $3.4B $3.6B $3.7B $3.8B $4B
Total Equity $374.7M $387.1M $368M $408.7M $443.7M
Total Debt $164.6M $122.2M $122.4M $110.2M $110.4M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $78.3M $52.3M $66.3M $19.2M $26.1M
Cash From Investing -$307.6M -$99.6M -$36.2M $12.5M -$9.8M
Cash From Financing $28.6M $91.2M $134.2M $10.1M $160.9M
Free Cash Flow $73.6M $48.7M $62.3M $18.7M $25M
SPFI
Sector
Market Cap
$596.5M
$627.9M
Price % of 52-Week High
89.87%
89.42%
Dividend Yield
1.61%
1.97%
Shareholder Yield
3.48%
4.06%
1-Year Price Total Return
19.58%
7.77%
Beta (5-Year)
0.681
0.585
Dividend yield:
1.61%
Annualized payout:
$0.56
Payout ratio:
18.57%
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $37.48
200-day SMA
Buy
Level $35.17
Bollinger Bands (100)
Buy
Level 32.7 - 36.4
Chaikin Money Flow
Buy
Level 327K
20-day SMA
Buy
Level $36.75
Relative Strength Index (RSI14)
Buy
Level 70.47
ADX Line
Buy
Level 13.43
Williams %R
Neutral
Level -44.2857
50-day SMA
Buy
Level $36.03
MACD (12, 26)
Buy
Level 10.54
25-day Aroon Oscillator
Buy
Level 44
On Balance Volume
Neutral
Level 315.6K

Financial Scores

--
Altman Z-Score (Annual)
Level (--)
Sell
CA Score (Annual)
Level (-2.1157)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
--
Ohlson Score
Level (--)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Sell
Fundamental Score
Level (6)

Revenue Forecast

Earnings per Share Forecast

Company Profile

South Plains Financial Inc operates as a bank holding company. The company provides a wide range of commercial and consumer financial services to small and medium-sized businesses and individuals. The principal business activities include commercial and retail banking, along with insurance, investment, trust, and mortgage services. The company has one reportable segment: banking.

Stock Forecast FAQ

In the current month, SPFI has received 1 Buy ratings 0 Hold ratings, and 0 Sell ratings. The SPFI average analyst price target in the past 3 months is $42.50.

  • Where Will South Plains Financial Stock Be In 1 Year?

    According to analysts, the consensus estimate is that South Plains Financial share price will rise to $42.50 per share over the next 12 months.

  • What Do Analysts Say About South Plains Financial?

    Analysts are divided on their view about South Plains Financial share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that South Plains Financial is a Sell and believe this share price will drop from its current level to $38.00.

  • What Is South Plains Financial's Price Target?

    The price target for South Plains Financial over the next 1-year time period is forecast to be $42.50 according to 1 Wall Street analyst, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is SPFI A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for South Plains Financial is a Buy. 1 of 1 analysts rates the stock a Buy at this time.

  • How Can I Buy Shares Of SPFI?

    You can purchase shares of South Plains Financial via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase South Plains Financial shares.

  • What Is The South Plains Financial Share Price Today?

    South Plains Financial was last trading at $40.69 per share. This represents the most recent stock quote for South Plains Financial. Yesterday, South Plains Financial closed at $40.60 per share.

  • How To Buy South Plains Financial Stock Online?

    In order to purchase South Plains Financial stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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