South Plains Financial, Inc. (SPFI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 220 | 214 | 209 | 176 | 189 | 212 | 217 | - |
| Operating profit | $m | 74 | 82 | ||||||
| Net profit | $m | 45 | 59 | 58 | 63 | 50 | 58 | 65 | 66 |
| EPS reported | $ | 3.44 | 3.67 | ||||||
| Operating cashflow per share | $ | 4.77 | 4.22 | ||||||
| Capex per share | $ | 0.35 | 0.27 | ||||||
| FCF per share | $ | 4.42 | 3.95 | ||||||
| Free cash flow | $m | 72 | 76 | ||||||
| Net debt | $m | -1,059 | -1,283 | ||||||
| Book value equity | $m | 494 | 630 | ||||||
| Book value per share | $ | 29.06 | 31.79 | ||||||
| Number of shares | m | 16.99 | 19.81 | ||||||
| DPS (TTM paid) | $ | 0.62 | 0.68 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.28 | 11.53 | ||||||
| P/B LTM | x | 1.28 | 1.00 | ||||||
| P/S LTM | x | 2.97 | 2.91 | ||||||
| P/FCF LTM | x | 8.78 | 8.35 | ||||||
| EV/EBITDA LTM | x | 1.73 | 1.57 | ||||||
| EV/Sales LTM | x | 0.47 | 0.48 | ||||||
| Earnings Yield LTM | % | +8.87% | +8.67% | ||||||
| FCF Yield | % | +11.40% | +11.98% | ||||||
| Quality | |||||||||
| ROE | % | +11.84% | +12.36% | ||||||
| ROIC | % | +9.64% | +8.67% | ||||||
| Operating margin | % | +24.95% | +27.18% | ||||||
| Gross margin | % | +69.62% | +72.03% | ||||||
| FCF/Sales | % | +24.19% | +24.91% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +17.81% | +25.68% | ||||||
| Sales Growth YoY | % | +11.93% | +14.48% | ||||||
| Net Income Growth YoY | % | +17.61% | +30.96% | ||||||
| FCF Growth | % | +28.20% | +34.76% | ||||||
| Operating Profit Growth | % | +17.03% | +30.17% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.60% | +1.49% | ||||||
| Dividend Growth | % | +10.71% | +21.43% | ||||||
| Payout Ratio | % | +17.28% | +17.27% | ||||||
| FCF/Debt | x | 1.19 | 1.25 | ||||||
| Net Debt/EBITDA | x | -6.16 | -8.24 | ||||||
| EBIT/Net interest | x | 0.87 | 0.95 | ||||||
| Net debt/market cap | % | +9.60% | +6.94% | ||||||
| Net debt/Equity | x | -2.14 | -2.04 | ||||||
| Gross debt/equity | x | 0.12 | 0.10 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses. Its operations are structured around two core divisions: Banking and Insurance. The company offers a variety of deposit options, such as checking accounts, interest-bearing accounts, savings, and certificates of deposit (CDs). Their lending portfolio is extensive, encompassing commercial real estate, a broad spectrum of specialized commercial loans (including those for agriculture, energy, finance, investment, insurance, retail, and construction), residential construction, mortgages for 1-4 family homes, and consumer loans for vehicles or other personal needs. Additional offerings include crop insurance, trust and investment management, mortgage banking, convenient online and mobile banking platforms, and debit and credit card services. The company maintains a physical presence through 25 full-service bank branches and 15 loan production offices spread across Texas and Eastern New Mexico. Established in 1941, South Plains Financial, Inc. maintains its headquarters in Lubbock, Texas.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
South Plains Financial, Inc. (SPFI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
South Plains Financial, Inc. functions as the parent entity for City Bank, providing a comprehensive suite of commercial and consumer financial services to both individuals and small to mid-sized businesses. Its operations are structured around two core divisions: Banking and Insurance. The company offers a variety of deposit options, such as checking accounts, interest-bearing accounts, savings, and certificates of deposit (CDs). Their lending portfolio is extensive, encompassing commercial real estate, a broad spectrum of specialized commercial loans (including those for agriculture, energy, finance, investment, insurance, retail, and construction), residential construction, mortgages for 1-4 family homes, and consumer loans for vehicles or other personal needs. Additional offerings include crop insurance, trust and investment management, mortgage banking, convenient online and mobile banking platforms, and debit and credit card services. The company maintains a physical presence through 25 full-service bank branches and 15 loan production offices spread across Texas and Eastern New Mexico. Established in 1941, South Plains Financial, Inc. maintains its headquarters in Lubbock, Texas.
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