No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| FFINFirst Financial Bankshares, Inc. | 4.68B | 32.65 | 20.93 | 18.79% | 30.24% | 14.14% | 6.26% | 0.12 |
| FHNFirst Horizon Corporation | 11.85B | 24.44 | 17.97 | 4.71% | 15.7% | 9.58% | 10.33% | 0.50 |
| AUBAtlantic Union Bankshares Corporation | 5.47B | 38.36 | 17.13 | 28.8% | 15.53% | 4.22% | 5.51% | 0.17 |
| UCBUnited Community Banks, Inc. | 4.09B | 33.91 | 16.62 | 14.65% | 17.05% | 8.83% | 7.4% | 0.13 |
| SNVSynovus Financial Corp. | 6.95B | 50.05 | 16.52 | 1.16% | 14.09% | 13.7% | 11.01% | 0.35 |
| PNFPPinnacle Financial Partners, Inc. | 14.67B | 97.65 | 16.38 | 15.32% | 16.65% | 9.1% | 5.5% | 0.39 |
| CADECadence Bank | 8.27B | 44.40 | 16.03 | 32.37% | 18.03% | 9.08% | 9.39% | 0.01 |
| ABCBAmeris Bancorp | 5.56B | 81.41 | 15.69 | 9.75% | 21.97% | 9.91% | 2.53% | 0.11 |
| Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 88.46M | 95.61M | 104.58M | 122.28M | 121.76M | 138.48M | 139.75M | 147.1M |
| NII Growth % | - | 0.08% | 0.09% | 0.17% | -0% | 0.14% | 0.01% | 0.05% |
| Net Interest Margin % | - | - | - | - | - | - | - | - |
| Interest Income | 104.44M | 118.09M | 132.94M | 138.23M | 135.04M | 161.17M | 212.03M | 240.9M |
| Interest Expense | 15.98M | 22.48M | 28.37M | 15.95M | 13.27M | 22.69M | 72.29M | 93.8M |
| Loan Loss Provision | 3.97M | 6.9M | 2.8M | 25.57M | -1.92M | -2.62M | 4.61M | 4.3M |
| Non-Interest Income | 45.09M | 49.38M | 53.29M | 97.35M | 92.47M | 70.77M | 36.48M | 42.2M |
| Non-Interest Income % | - | - | - | - | - | - | - | - |
| Total Revenue | 149.53M | 167.47M | 186.23M | 235.58M | 227.51M | 231.94M | 248.51M | 283.1M |
| Revenue Growth % | - | 0.12% | 0.11% | 0.27% | -0.03% | 0.02% | 0.07% | 0.14% |
| Non-Interest Expense | 105.85M | 112.7M | 118.36M | 137.46M | 143.03M | 138.71M | 92.2M | 121.7M |
| Efficiency Ratio | - | - | - | - | - | - | - | - |
| Operating Income | 23.74M | 25.39M | 36.7M | 56.6M | 73.12M | 73.15M | 79.42M | 63.29M |
| Operating Margin % | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 0.07% | 0.45% | 0.54% | 0.29% | 0% | 0.09% | -0.2% |
| Pretax Income | 23.74M | 25.39M | 36.7M | 56.6M | 73.12M | 73.15M | 79.42M | 63.29M |
| Pretax Margin % | - | - | - | - | - | - | - | - |
| Income Tax | 107K | -3.9M | 7.48M | 11.25M | 14.51M | 14.91M | 16.67M | 13.57M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - |
| Net Income | 23.64M | 29.29M | 29.22M | 45.35M | 58.61M | 58.24M | 62.74M | 49.72M |
| Net Margin % | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 0.24% | -0% | 0.55% | 0.29% | -0.01% | 0.08% | -0.21% |
| Net Income (Continuing) | 23.64M | 29.29M | 29.22M | 45.35M | 58.61M | 58.24M | 62.74M | 49.72M |
| EPS (Diluted) | 1.35 | 1.68 | 1.62 | 2.51 | 3.30 | 3.42 | 3.82 | 2.92 |
| EPS Growth % | - | 0.24% | -0.04% | 0.55% | 0.31% | 0.04% | 0.12% | -0.24% |
| EPS (Basic) | 1.35 | 1.68 | 1.62 | 2.51 | 3.30 | 3.42 | 3.82 | 3.03 |
| Diluted Shares Outstanding | 17.47M | 17.47M | 18.04M | 18.08M | 17.76M | 17.03M | 16.42M | 16.46M |
| Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 294.56M | 245.99M | 158.1M | 300.31M | 486.82M | 234.88M | 330.16M | 359.08M |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 2.13B | 2.31B | 2.88B | 3.09B | 3.2B | 3.44B | 3.17B | 3.3B |
| Investments Growth % | - | 0.08% | 0.24% | 0.07% | 0.03% | 0.08% | -0.08% | 0.04% |
| Long-Term Investments | 1.94B | 1.97B | 2.17B | 2.29B | 2.47B | 2.74B | 2.99B | 3.03B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 18.76M | 19.51M | 19.51M | 19.51M | 19.32M | 19.32M |
| Intangible Assets | 0 | 0 | 10.69M | 16.61M | 25.59M | 31.82M | 29M | 28.01M |
| PP&E (Net) | 61.89M | 59.79M | 61.87M | 60.33M | 57.7M | 56.34M | 55.07M | 52.95M |
| Other Assets | 72.52M | 83.36M | 92.1M | 94.11M | 98.8M | 121.36M | 560.8M | 427.75M |
| Total Current Assets | 503.05M | 597.14M | 879.67M | 1.12B | 1.23B | 953.03M | 534.9M | 649.01M |
| Total Non-Current Assets | 2.07B | 2.12B | 2.36B | 2.48B | 2.68B | 2.99B | 3.67B | 3.58B |
| Total Assets | 2.57B | 2.71B | 3.24B | 3.6B | 3.9B | 3.94B | 4.2B | 4.23B |
| Asset Growth % | - | 0.05% | 0.19% | 0.11% | 0.08% | 0.01% | 0.07% | 0.01% |
| Return on Assets (ROA) | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 0.02% | 0.01% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 177.83M | 193.1M | 205.03M | 223.53M | 122.17M | 122.35M | 110.17M | 110.35M |
| Net Debt | -116.73M | -52.89M | 46.93M | -76.78M | -364.65M | -112.53M | -219.99M | -248.73M |
| Long-Term Debt | 162.28M | 175.4M | 167.87M | 196.98M | 122.17M | 122.35M | 110.17M | 110.35M |
| Short-Term Debt | 15.55M | 17.7M | 37.16M | 26.55M | 0 | 0 | 0 | 0 |
| Other Liabilities | 57.12M | 58.2M | 0 | 0 | 0 | 0 | 61.36M | 62.06M |
| Total Current Liabilities | 2.2B | 2.32B | 2.76B | 3.03B | 3.37B | 3.46B | 3.63B | 3.62B |
| Total Non-Current Liabilities | 219.4M | 233.59M | 167.87M | 196.98M | 122.17M | 122.35M | 171.53M | 172.41M |
| Total Liabilities | 2.42B | 2.56B | 2.93B | 3.23B | 3.49B | 3.59B | 3.8B | 3.79B |
| Total Equity | 158.21M | 154.58M | 306.18M | 370.05M | 407.43M | 357.01M | 407.11M | 438.95M |
| Equity Growth % | - | -0.02% | 0.98% | 0.21% | 0.1% | -0.12% | 0.14% | 0.08% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.15% | 0.19% | 0.13% | 0.13% | 0.15% | 0.15% | 0.16% | 0.12% |
| Book Value per Share | 9.05 | 8.85 | 16.98 | 20.47 | 22.94 | 20.97 | 24.80 | 26.67 |
| Tangible BV per Share | - | - | - | - | - | - | - | - |
| Common Stock | 15.15M | 14.77M | 18.04M | 18.08M | 17.76M | 17.03M | 16.42M | 16.46M |
| Additional Paid-in Capital | 85.89M | 80.41M | 140.49M | 141.11M | 133.22M | 112.83M | 97.11M | 97.29M |
| Retained Earnings | 120.59M | 119.83M | 146.7M | 189.52M | 242.75M | 292.26M | 345.26M | 385.83M |
| Accumulated OCI | -446K | -2.24M | 958K | 21.34M | 13.7M | -65.11M | -51.67M | -60.62M |
| Treasury Stock | -5.86M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 35.32M | 26.92M | 30.48M | 5.63M | 96.27M | 123.59M | 58.54M | 59.38M |
| Operating CF Growth % | - | -0.24% | 0.13% | -0.82% | 16.11% | 0.28% | -0.53% | 0.01% |
| Net Income | 23.64M | 29.29M | 29.22M | 45.35M | 58.61M | 58.24M | 62.74M | 49.72M |
| Depreciation & Amortization | 5.28M | 5.18M | 5.22M | 6.58M | 6.44M | 6.96M | 6.41M | 6.51M |
| Deferred Taxes | 0 | 0 | 0 | -1.59M | 1.45M | 1.36M | 99K | -1.05M |
| Other Non-Cash Items | 3.29M | -2.65M | -9.64M | -44.57M | 24.94M | 38.42M | -7.03M | -280K |
| Working Capital Changes | 3.12M | -4.91M | 4.83M | -1.41M | 3.19M | 15.85M | -5.84M | 2.17M |
| Cash from Investing | -148.08M | -184.09M | -213.49M | -156.23M | -159.84M | -408.86M | -143.38M | -13.93M |
| Purchase of Investments | -328.16M | -539.09M | -489.03M | -279.73M | -61.55M | -176.71M | -199.9M | -304.78M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 78.17M | -687K | 0 | 0 | 36.08M | 0 |
| Other Investing | -175.47M | -123.78M | 9.62M | -81.87M | -215.7M | -308.93M | -267.81M | -43.73M |
| Cash from Financing | 43.92M | 108.6M | 95.12M | 292.81M | 250.08M | 33.33M | 180.11M | -16.53M |
| Dividends Paid | -7.87M | -30.05M | -1.08M | -2.53M | -5.38M | -8.01M | -8.74M | -9.15M |
| Share Repurchases | 0 | 0 | 0 | -293K | -9.23M | -22.7M | -17.76M | -1.34M |
| Stock Issued | 0 | 0 | 51.39M | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | -1000K | 0 | -1000K | 0 |
| Other Financing | 63.16M | 123.37M | 33.23M | 277.18M | 366.25M | 64.04M | 218.99M | -6.04M |
| Net Change in Cash | -68.84M | -48.57M | -87.89M | 142.21M | 186.51M | -251.94M | 95.28M | 28.92M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 363.4M | 294.56M | 245.99M | 158.1M | 300.31M | 486.82M | 234.88M | 330.16M |
| Cash at End | 294.56M | 245.99M | 158.1M | 300.31M | 486.82M | 234.88M | 330.16M | 359.08M |
| Interest Paid | 15.89M | 22.02M | 28.13M | 16.12M | 13.47M | 21.77M | 70.06M | 92.75M |
| Income Taxes Paid | 107K | 2.73M | 6.47M | 13.51M | 12.4M | 13.84M | 19.39M | 12.54M |
| Free Cash Flow | 26.3M | 23.79M | 26.49M | 2.32M | 93.35M | 119.12M | 53.86M | 56.03M |
| FCF Growth % | - | -0.1% | 0.11% | -0.91% | 39.29% | 0.28% | -0.55% | 0.04% |
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 14.94% | 18.73% | 12.68% | 13.41% | 15.08% | 15.24% | 16.42% | 11.75% |
| Return on Assets (ROA) | 0.92% | 1.11% | 0.98% | 1.33% | 1.56% | 1.48% | 1.54% | 1.18% |
| Net Interest Margin | 3.44% | 3.52% | 3.23% | 3.4% | 3.12% | 3.51% | 3.32% | 3.48% |
| Efficiency Ratio | 70.79% | 67.29% | 63.56% | 58.35% | 62.87% | 59.81% | 37.1% | 42.99% |
| Equity / Assets | 6.15% | 5.7% | 9.46% | 10.28% | 10.44% | 9.05% | 9.68% | 10.37% |
| Book Value / Share | 9.05 | 8.85 | 16.98 | 20.47 | 22.94 | 20.97 | 24.8 | 26.67 |
| NII Growth | - | 8.08% | 9.37% | 16.94% | -0.43% | 13.72% | 0.92% | 5.26% |
| Dividend Payout | 33.31% | 102.58% | 3.69% | 5.57% | 9.19% | 13.76% | 13.94% | 18.41% |
South Plains Financial, Inc. (SPFI) has a price-to-earnings (P/E) ratio of 14.1x. This may indicate the stock is undervalued or faces growth challenges.
South Plains Financial, Inc. (SPFI) grew revenue by 13.9% over the past year. This is steady growth.
Yes, South Plains Financial, Inc. (SPFI) is profitable, generating $59.7M in net income for fiscal year 2024 (17.6% net margin).
Yes, South Plains Financial, Inc. (SPFI) pays a dividend with a yield of 1.35%. This makes it attractive for income-focused investors.
South Plains Financial, Inc. (SPFI) has a return on equity (ROE) of 11.8%. This is reasonable for most industries.
South Plains Financial, Inc. (SPFI) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
South Plains Financial, Inc. (SPFI) has an efficiency ratio of 43.0%. This is excellent, indicating strong cost control.