SPFI

South Plains Financial, Inc. [SPFI] Stock Forecast

Q: What is South Plains Financial, Inc. stock symbol ?

South Plains Financial, Inc. is a US stock, located in Lubbock of Tx and trading under the symbol SPFI

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SPFI Stock Summary

Earnings are expected to rise 1.33% next year

EPS has been increasing for the past 3 years (Yearly statements)

SPFI's dividend payments are well covered by cash flows with cash payout ratio of 12.87%.

SPFI has more than 3 years of cash runway (44 months)

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In the News

09:37 29 Sep 2023 SPFI

South Plains Financial, Inc. (SPFI) Q2 2023 Earnings Call Transcript

South Plains Financial, Inc. (NASDAQ:SPFI ) Q2 2023 Earnings Conference Call July 25, 2023 5:00 PM ET Company Participants Steve Crockett - Chief Financial Officer and Treasurer Curtis Griffith - Chairman and CEO Cory Newsom - President Brent Bates - Chief Credit Officer Conference Call Participants Brady Gailey - KBW Brett Rabatin - Hovde Group Graham Dick - Piper Sandler Joe Yanchunis - Raymond James Operator Good afternoon, ladies and gentlemen. And welcome to the South Plains Financial Second Quarter 2023 Earnings Conference Call.

09:23 29 Sep 2023 SPFI

Compared to Estimates, South Plains Financial (SPFI) Q2 Earnings: A Look at Key Metrics

Although the revenue and EPS for South Plains Financial (SPFI) give a sense of how its business performed in the quarter ended June 2023, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

02:57 29 Sep 2023 SPFI

South Plains Financial, Inc. (SPFI) Q1 2023 Earnings Call Transcript

South Plains Financial, Inc. (NASDAQ:SPFI ) Q1 2023 Results Conference Call April 27, 2023 5:00 PM ET Company Participants Steve Crockett - CFO and Treasurer Curtis Griffith - Chairman and CEO Cory Newsom - President Brent Bates - Chief Credit Officer Conference Call Participants Brad Milsaps - Piper Sandler Joe Yanchunis - Raymond James Brady Gailey - KBW Operator Good afternoon, ladies and gentlemen, and welcome to the South Plains Financial, Inc. First Quarter 2023 Earnings Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded.

07:43 29 Sep 2023 SPFI

South Plains Financial (SPFI) Misses Q1 Earnings and Revenue Estimates

South Plains Financial (SPFI) came out with quarterly earnings of $0.53 per share, missing the Zacks Consensus Estimate of $0.54 per share. This compares to earnings of $0.78 per share a year ago.

09:06 29 Sep 2023 SPFI

South Plains Financial Inc. (SPFI) Q4 2022 Earnings Call Transcript

South Plains Financial Inc. (NASDAQ:SPFI ) Q4 2022 Earnings Conference Call January 26, 2023 5:00 PM ET Company Participants Steve Crockett – Chief Financial Officer and Treasurer Curtis Griffith – Chairman and Chief Executive Officer Cory Newsom – President Conference Call Participants Brad Milsaps – Piper Sandler Brady Gailey – KBW Operator Good afternoon, ladies and gentlemen, and welcome to the South Plains Financial Inc. Fourth Quarter 2022 Earnings Conference Call. During today's presentation, all parties will be in a listen-only mode.

07:33 29 Sep 2023 SPFI

South Plains Financial (SPFI) Tops Q4 Earnings Estimates

South Plains Financial (SPFI) delivered earnings and revenue surprises of 14.52% and 3.55%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

10:32 29 Sep 2023 SPFI

South Plains Financial (SPFI) Is a Great Choice for 'Trend' Investors, Here's Why

South Plains Financial (SPFI) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price Strength" screen.

10:33 29 Sep 2023 SPFI

Here's Why Momentum in South Plains Financial (SPFI) Should Keep going

South Plains Financial (SPFI) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen.

12:51 29 Sep 2023 SPFI

South Plains Financial, Inc. (SPFI) Q3 2022 Earnings Call Transcript

South Plains Financial, Inc. (NASDAQ:SPFI ) Q3 2022 Earnings Conference Call October 21, 2022 11:00 AM ET Company Participants Steven Crockett - Chief Financial Officer and Treasurer Curtis Griffith - Chairman and Chief Executive Officer Cory Newsom - Director and President Conference Call Participants Brady Gailey - KBW Bradley Milsaps - Piper Sandler Presentation Operator Good morning, ladies and gentlemen. Welcome to the South Plains Financial Incorporated Third Quarter 2022 Earnings Conference Call.

10:33 29 Sep 2023 SPFI

South Plains Financial (SPFI) Is a Great Choice for "Trend" Investors, Here's Why

SPFI Financial details

Company Rating

Strong Buy

Market Cap

440.94M

Income

67.01M

Revenue

198.25M

Book val./share

Cash/share

54.18

Dividend

0.51

Dividend %

1.95%

Employees

600

Optionable

Shortable

Yes

Earnings

19 Oct 2023

P/E

6.66

Forward P/E

PEG

3.34

P/S

2.23

P/B

1.14

P/C

0.49

P/FCF

8.21

Quick Ratio

Current Ratio

Debt / Equity

0.31

LT Debt / Equity

0.31

EPS (TTM)

3.91

EPS next Y

EPS next Q

0.75

EPS this Y

0.61%

EPS next Y

EPS next 5Y

-40.03%

EPS last 5Y

14.32%

Revenue last 5Y

8.16%

Revenue Q/Q

7.11%

EPS Q/Q

222.22%

SMA20

SMA50

8.33%

SMA100

30%

Inst Own

28.52%

Inst Trans

1.07%

ROA

ROE

18%

ROC

0.03%

Gross Margin

100%

Oper. Margin

56%

Profit Margin

34%

Payout

13%

Shs Outstand

16.91M

Shs Float

11.85M

Target Price

52W Range

18.75-31.96

52W High

-14.65%

52W Low

+47%

RSI

Rel Volume

0.43

Avg Volume

36.55K

Volume

15.74K

Perf Week

0.72%

Perf Month

-1.78%

Perf Quarter

24.52%

Perf Half Y

20.05%

Beta

0.614978

Volatility

0.25%, 0.32%

Prev Close

1.07%

Price

26.46

Change

3.33%

SPFI Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2022-12-31

Metric	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31
Revenue per share	8.3	9.58	12.27	12.21	12.08
Net income per share	1.68	1.74	2.51	3.26	3.28
Operating cash flow per share	1.54	1.81	0.31	5.36	6.96
Free cash flow per share	1.36	1.57	0.13	5.2	6.71
Cash per share	33.44	51.48	61.12	67.47	52.74
Book value per share	8.85	18.2	20.5	22.69	20.1
Tangible book value per share	8.85	15.46	185.47	208.01	17.21
Share holders equity per share	8.85	18.2	20.5	22.69	20.1
Interest debt per share	11.33	15.07	14.73	7.54	8.17
Market cap	309.42M	351.01M	342.13M	499.29M	488.94M
Enterprise value	238.83M	397.94M	265.36M	134.64M	376.41M
P/E ratio	10.56	12.01	7.54	8.52	8.4
Price to sales ratio	2.13	2.18	1.54	2.28	2.28
POCF ratio	11.49	11.51	60.8	5.19	3.96
PFCF ratio	13.01	13.25	147.66	5.35	4.1
P/B Ratio	2	1.15	0.92	1.23	1.37
PTB ratio	2	1.15	0.92	1.23	1.37
EV to sales	1.65	2.47	1.2	0.61	1.75
Enterprise value over EBITDA	4.5	9.49	4.2	1.69	3.66
EV to operating cash flow	8.87	13.05	47.16	1.4	3.05
EV to free cash flow	10.04	15.02	114.53	1.44	3.16
Earnings yield	0.09	0.08	0.13	0.12	0.12
Free cash flow yield	0.08	0.08	0.01	0.19	0.24
Debt to equity	1.13	0.73	0.68	0.3	0.34
Debt to assets	0.06	0.07	0.07	0.03	0.03
Net debt to EBITDA	-1.33	1.12	-1.22	-4.58	-1.09
Current ratio	0	43.98	42.13	0	75.53
Interest coverage	2.13	1.29	3.55	5.51	4.22
Income quality	0.92	1.04	0.12	1.64	2.12
Dividend Yield	0.1	0	0.01	0.01	0.02
Payout ratio	1.03	0.04	0.06	0.09	0.14
Sales general and administrative to revenue	0.5	0.47	0.4	0.43	0.4
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0.01	0.01	0.01	0.01
Capex to operating cash flow	-0.12	-0.13	-0.59	-0.03	-0.04
Capex to revenue	-0.02	-0.02	-0.01	-0.01	-0.02
Capex to depreciation	-0.6	-0.76	-0.5	-0.45	-0.64
Stock based compensation to revenue	0	0.01	0.01	0.01	0.01
Graham number	18.27	26.68	34.04	40.83	38.51
ROIC	0.17	0.06	0.07	0.11	0.16
Return on tangible assets	0.01	0.01	0.01	0.02	0.01
Graham Net	-112.43	-122.17	49.37	61.25	-148.54
Working capital	597.14M	859.67M	1.09B	1.23B	1.11B
Tangible asset value	154.58M	278.79M	3.35B	3.73B	305.68M
Net current asset value	-1.96B	-2.05B	895.1M	1.1B	-2.46B
Invested capital	1.13	0.73	0.68	0.3	0.34
Average receivables	13.63M	13.44M	14.58M	14.57M	15.17M
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	32.62	31.53	25.09	23.14	27.95
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	11.19	11.58	14.55	15.77	13.06
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.19	0.1	0.12	0.14	0.16
Capex per share	-0.18	-0.24	-0.18	-0.16	-0.25

Quarterly Fundamentals Overview

Last date of statement is 2023-06-30 for Q2

Metric	2022-06-30	2022-09-30	2022-12-31	2023-03-31	2023-06-30
Revenue per share	0.08	3.24	2.88	2.64	2.83
Net income per share	0.91	0.89	0.74	0.54	1.74
Operating cash flow per share	1.08	1.71	0.27	1.49	0.02
Free cash flow per share	1.04	1.63	0.2	1.4	-0.09
Cash per share	65.16	60.24	55.07	60.22	54.18
Book value per share	20.81	19.77	20.99	21.59	23
Tangible book value per share	17.83	16.73	17.97	227.98	233.39
Share holders equity per share	20.81	19.77	20.99	21.59	23
Interest debt per share	7.2	7.42	7.78	7.95	8.13
Market cap	422.23M	476.42M	468.23M	364.97M	383.76M
Enterprise value	168.8M	268.76M	355.7M	159.37M	210.63M
P/E ratio	6.62	7.71	9.27	9.87	3.23
Price to sales ratio	317.94	8.5	9.56	8.11	7.96
POCF ratio	22.42	16.15	100.8	14.38	1.1K
PFCF ratio	23.26	16.89	134.94	15.33	-248.87
P/B Ratio	1.16	1.39	1.31	0.99	0.98
PTB ratio	1.16	1.39	1.31	0.99	0.98
EV to sales	127.11	4.8	7.26	3.54	4.37
Enterprise value over EBITDA	6.66	10.57	12.87	6.43	5.62
EV to operating cash flow	8.96	9.11	76.58	6.28	601.79
EV to free cash flow	9.3	9.53	102.51	6.69	-136.59
Earnings yield	0.04	0.03	0.03	0.03	0.08
Free cash flow yield	0.04	0.06	0.01	0.07	0
Debt to equity	0.34	0.36	0.34	0.33	0.31
Debt to assets	0.03	0.03	0.03	0.03	0.03
Net debt to EBITDA	-10	-8.17	-4.07	-8.3	-4.62
Current ratio	268.06	0	75.53	0	0
Interest coverage	6.45	3.94	2.62	1.76	2.31
Income quality	1.19	1.91	0.37	2.75	0.01
Dividend Yield	0	0	0	0.01	0.01
Payout ratio	0.12	0.13	0.16	0.24	0.07
Sales general and administrative to revenue	16.56	0.41	0.38	0.43	0.49
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.01	0.01	0.01	0.01	0.01
Capex to operating cash flow	-0.04	-0.04	-0.25	-0.06	-5.41
Capex to revenue	-0.51	-0.02	-0.02	-0.03	-0.04
Capex to depreciation	-0.38	-0.73	-0.7	-0.92	-1.23
Stock based compensation to revenue	0.49	0.01	0.02	0.01	0.01
Graham number	20.66	19.95	18.72	16.23	30.01
ROIC	0.04	0.04	0.04	0.04	0.06
Return on tangible assets	0	0	0	0	0.01
Graham Net	-140.76	-150.42	-155.11	53.68	47.7
Working capital	1.07B	1.05B	1.11B	749.77M	692.59M
Tangible asset value	311.9M	289.15M	305.68M	3.89B	3.98B
Net current asset value	-2.54B	-2.6B	-2.46B	627.37M	570.14M
Invested capital	0.34	0.36	0.34	0.33	0.31
Average receivables	11.36M	12.31M	14.42M	15.43M	15.17M
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	827.89	19.93	30.18	28.84	29.72
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0.11	4.52	2.98	3.12	3.03
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.04	0.05	0.04	0.03	0.08
Capex per share	-0.04	-0.07	-0.07	-0.09	-0.11

SPFI Dividend History

SPFI Frequently Asked Questions

What is South Plains Financial, Inc. stock symbol ?

South Plains Financial, Inc. is a US stock , located in Lubbock of Tx and trading under the symbol SPFI

What is South Plains Financial, Inc. stock quote today ?

South Plains Financial, Inc. stock price is $26.46 today.

Is South Plains Financial, Inc. stock public?

Yes, South Plains Financial, Inc. is a publicly traded company.

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Company Profile

Volume Average 36.55K
Market Capitalization 440.94M
Employee 600
CEO Mr. Curtis C. Griffith
Headquarters Lubbock,TX,US
IPO Date 2019-05-09
Website https://www.spfi.bank

South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company operates 25 full-service banking locations; and 15 loan production offices located throughout Texas and Eastern New Mexico. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas.