Stock SPFI SOUTH PLAINS FINANCIAL, INC.
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Financials South Plains Financial, Inc.

Equities

SPFI

US83946P1075

Banks

Real-time Estimate Cboe BZX
Other stock markets
 09:22:05 10/05/2024 pm IST 		5-day change 1st Jan Change
27.72 USD -0.56% Intraday chart for South Plains Financial, Inc. +3.38% -4.01%
08/05 South Plains Financial Insider Bought Shares Worth $1,000,000, According to a Recent SEC Filing MT
06/05 Tranche Update on South Plains Financial, Inc.'s Equity Buyback Plan announced on February 26, 2024. CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 375.8 342.2 494.7 468 477.3 457.8 -
Enterprise Value (EV) 1 375.8 342.2 494.7 468 477.3 457.8 457.8
P/E ratio 12.3 x 7.67 x 8.77 x 8.52 x 8 x 11.4 x 10.8 x
Yield 0.29% 0.74% 1.08% 1.67% 1.8% 1.92% 2.11%
Capitalization / Revenue 2.33 x 1.52 x 2.24 x 2.18 x 2.18 x 2.43 x 2.3 x
EV / Revenue 2.33 x 1.52 x 2.24 x 2.18 x 2.18 x 2.43 x 2.3 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.23 x 0.93 x 1.21 x 1.31 x 1.17 x 1.06 x 0.99 x
Nbr of stocks (in thousands) 18,007 18,059 17,789 17,000 16,482 16,419 -
Reference price 2 20.87 18.95 27.81 27.53 28.96 27.88 27.88
Announcement Date 24/01/20 27/01/21 27/01/22 26/01/23 26/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 161.2 225 220.5 214.6 219 188.8 198.9
EBITDA - - - - - - -
EBIT 1 - 83.27 71.2 70.53 84.03 58.33 62.57
Operating Margin - 37.01% 32.3% 32.86% 38.37% 30.91% 31.46%
Earnings before Tax (EBT) 1 - 56.6 73.12 73.15 79.42 53.32 55.7
Net income 1 29.22 45.35 58.61 58.24 62.74 41.2 43.15
Net margin 18.13% 20.16% 26.59% 27.14% 28.65% 21.83% 21.69%
EPS 2 1.690 2.470 3.170 3.230 3.620 2.440 2.580
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.0600 0.1400 0.3000 0.4600 0.5200 0.5350 0.5875
Announcement Date 24/01/20 27/01/21 27/01/22 26/01/23 26/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 54.68 53.64 55.94 56.04 49 45.01 81.69 47.97 44.31 46.78 46.53 47.57 47.76 47.45 49.3
EBITDA - - - - - - - - - - - - - - -
EBIT 1 18.24 15.72 19.94 18.64 16.29 12.64 41.19 16.48 13.71 14.85 14.1 14.77 14.67 12.9 14.6
Operating Margin 33.36% 29.3% 35.64% 33.26% 33.25% 28.1% 50.43% 34.35% 30.94% 31.74% 30.31% 31.04% 30.71% 27.19% 29.61%
Earnings before Tax (EBT) 1 18.24 17.8 19.94 19.42 16.04 11.64 37.49 17.18 13.11 14.02 12.76 13.16 13.22 12.2 13.35
Net income 1 14.61 14.28 15.94 15.46 12.62 9.244 29.68 13.49 10.32 10.87 9.892 10.2 10.24 9.46 10.39
Net margin 26.72% 26.62% 28.49% 27.58% 25.76% 20.54% 36.33% 28.13% 23.3% 23.25% 21.26% 21.43% 21.44% 19.94% 21.08%
EPS 2 0.7900 0.7800 0.8800 0.8600 0.7100 0.5300 1.710 0.7800 0.6100 0.6400 0.5850 0.6050 0.6125 0.5800 0.6450
Dividend per Share 2 0.0900 0.1100 0.1100 0.1200 0.1200 0.1300 0.1300 0.1300 0.1300 - 0.1350 0.1350 0.1350 0.1350 0.1400
Announcement Date 27/01/22 26/04/22 22/07/22 21/10/22 26/01/23 27/04/23 25/07/23 24/10/23 26/01/24 25/04/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 10.9% 13.4% 15.1% 15.2% 16.4% 10% 9.87%
ROA (Net income/ Total Assets) 1.04% 1.31% 1.56% 1.47% 1.54% 0.97% 0.99%
Assets 1 2,810 3,462 3,757 3,962 4,074 4,237 4,370
Book Value Per Share 2 17.00 20.50 22.90 21.00 24.80 26.30 28.20
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 24/01/20 27/01/21 27/01/22 26/01/23 26/01/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for South Plains Financial, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
27.88 USD
Average target price
32 USD
Spread / Average Target
+14.78%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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