South Plains Financial, Inc.
General ticker "SPFI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $594.5M (TTM average)
South Plains Financial, Inc. follows the US Stock Market performance with the rate: 64.2%.
Estimated limits based on current volatility of 1.4%: low 41.16$, high 42.33$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-02-02, amount 0.17$ (Y1.65%)
- Total employees count: 600 (-2.9%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Operational and conduct risks, Economic downturns and volatility, Liquidity and credit risks, Interest rate fluctuations, Cybersecurity threats
- Price in estimated range
- Earnings for 12 months up through Q4 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [31.54$, 42.69$]
- 2025-12-31 to 2026-12-31 estimated range: [32.22$, 44.17$]
Financial Metrics affecting the SPFI estimates:
- Positive: with PPE of 12.2 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 22.36 > 18.38
- Positive: 6.64 < Operating cash flow per share per price, % of 10.12
- Positive: Industry operating profit margin (median), % of 20.70 > 9.59
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of 1.16
- Positive: Industry operating cash flow per share per price (median), % of 10.58 > 10.29
- Negative: Shareholder equity ratio, % of 10.37 <= 19.40
- Negative: Investing cash flow per share per price, % of -2.37 <= -0.63
Short-term SPFI quotes
Long-term SPFI plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $214.62MM | $215.56MM | $283.10MM |
| Operating Expenses | $141.47MM | $136.15MM | $219.81MM |
| Operating Income | $73.15MM | $79.42MM | $63.29MM |
| Interest Expense | $22.69MM | $72.29MM | $93.80MM |
| Income(Loss) | $73.15MM | $79.42MM | $63.29MM |
| Taxes | $14.91MM | $16.67MM | $13.57MM |
| Profit(Loss)* | $58.24MM | $62.74MM | $49.72MM |
| Stockholders Equity | $357.01MM | $407.11MM | $438.95MM |
| Assets | $3,944.06MM | $4,204.79MM | $4,232.24MM |
| Operating Cash Flow | $123.59MM | $58.54MM | $59.38MM |
| Capital expenditure | $4.47MM | $4.68MM | $3.35MM |
| Investing Cash Flow | $-408.86MM | $-143.38MM | $-13.93MM |
| Financing Cash Flow | $33.33MM | $180.11MM | $-16.53MM |
| Earnings Per Share** | $3.42 | $3.82 | $3.02 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.