South Plains Financial, Inc. (SPFI)
Total Valuation
SPFI has a market cap or net worth of $374.20 million. The enterprise value is $261.67 million.
| Market Cap | 374.20M |
| Enterprise Value | 261.67M |
Important Dates
The next earnings date is Tuesday, April 25, 2023, after market close.
| Estimated Earnings Date | Apr 25, 2023 |
| Ex-Dividend Date | Jan 27, 2023 |
Share Statistics
SPFI has 17.05 million shares outstanding. The number of shares has decreased by -4.44% in one year.
| Shares Outstanding | 17.05M |
| Shares Change (YoY) | -4.44% |
| Shares Change (QoQ) | -2.12% |
| Owned by Insiders (%) | 31.61% |
| Owned by Institutions (%) | 27.16% |
| Float | 12.25M |
Valuation Ratios
The trailing PE ratio is 6.80.
| PE Ratio | 6.80 |
| Forward PE | n/a |
| PS Ratio | 1.72 |
| Forward PS | 1.77 |
| PB Ratio | 1.05 |
| P/FCF Ratio | 3.13 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 3.27, with an EV/FCF ratio of 2.19.
| EV / Earnings | 4.49 |
| EV / Sales | 1.20 |
| EV / EBITDA | 3.27 |
| EV / EBIT | 3.58 |
| EV / FCF | 2.19 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.34 |
| Debt / EBITDA | 1.53 |
| Debt / FCF | 1.02 |
Financial Efficiency
Return on equity (ROE) is 16.10% and return on invested capital (ROIC) is 2.00%.
| Return on Equity (ROE) | 16.10% |
| Return on Assets (ROA) | 1.50% |
| Return on Capital (ROIC) | 2.00% |
| Revenue Per Employee | $356,716 |
| Profits Per Employee | $95,632 |
| Employee Count | 609 |
| Asset Turnover | 0.06 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SPFI has paid $14.91 million in taxes.
| Income Tax | 14.91M |
| Effective Tax Rate | 20.38% |
Stock Price Statistics
The stock price has decreased by -21.89% in the last 52 weeks. The beta is 0.64, so SPFI's price volatility has been lower than the market average.
| Beta (1Y) | 0.64 |
| 52-Week Price Change | -21.89% |
| 50-Day Moving Average | 26.86 |
| 200-Day Moving Average | 27.20 |
| Average Volume (30 Days) | 34,081 |
Short Selling Information
The latest short interest is 49,994, so 0.29% of the outstanding shares have been sold short.
| Short Interest | 49,994 |
| Short Previous Month | 50,179 |
| Short % of Shares Out | 0.29% |
| Short % of Float | 0.41% |
| Short Ratio (days to cover) | 1.87 |
Income Statement
In the last 12 months, SPFI had revenue of $217.24 million and earned $58.24 million in profits. Earnings per share was $3.23.
| Revenue | 217.24M |
| Gross Profit | 217.24M |
| Operating Income | 73.15M |
| Pretax Income | 73.15M |
| Net Income | 58.24M |
| EBITDA | 80.12M |
| EBIT | 73.15M |
| Earnings Per Share (EPS) | $3.23 |
Balance Sheet
The company has $234.88 million in cash and $122.35 million in debt, giving a net cash position of $112.53 million or $6.60 per share.
| Cash & Cash Equivalents | 234.88M |
| Total Debt | 122.35M |
| Net Cash | 112.53M |
| Net Cash Per Share | $6.60 |
| Equity / Book Value | 357.01M |
| Book Value Per Share | 20.94 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $123.59 million and capital expenditures -$3.99 million, giving a free cash flow of $119.60 million.
| Operating Cash Flow | 123.59M |
| Capital Expenditures | -3.99M |
| Free Cash Flow | 119.60M |
| FCF Per Share | $7.04 |
Margins
Gross margin is 100.00%, with operating and profit margins of 33.67% and 26.81%.
| Gross Margin | 100.00% |
| Operating Margin | 33.67% |
| Pretax Margin | 33.67% |
| Profit Margin | 26.81% |
| EBITDA Margin | 36.88% |
| EBIT Margin | 33.67% |
| FCF Margin | 55.05% |
Dividends & Yields
This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 2.19%.
| Dividend Per Share | $0.48 |
| Dividend Yield | 2.19% |
| Earnings Yield | 15.56% |
| FCF Yield | 31.96% |
| Dividend Growth (YoY) | 33.33% |
| Payout Ratio | 13.70% |
| Buyback Yield | 4.44% |
| Shareholder Yield | 6.62% |
Analyst Forecast
The average price target for SPFI is $33.15, which is 51.03% higher than the current price. The consensus rating is "Buy".
| Price Target | $33.15 |
| Price Target Difference | 51.03% |
| Analyst Consensus | Buy |
| Analyst Count | 8 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |