SPFI
VENTE TOTALE: 100 000 titres (~4 436 000,00 $ US)
- Insiders
- Stein James D.
- Total bought
- —
- Total sold
- $4,436,000
- Last activity
- 2026-07-28
- Last synced
-
2026-08-03 10:19:38
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-03
Despite a solid EPS beat and a 6% dividend hike driven by the Bank of Houston acquisition, SPFI's critical liquidity profile — current/quick ratios below 0.3, negative working capital, and interest coverage under 1.0 —…
The first sentence of the analysis written for SPFI on 2026-08-03 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 69.6% | 65.3% | 69.1% | 91.3% | 95.0% | |
| Ebit Margin | 24.9% | 22.4% | 32.0% | 31.5% | 32.1% | |
| Ebitda Margin | 26.9% | 24.7% | 34.5% | 34.5% | 35.0% | |
| Operating Profit Margin | 24.9% | 22.4% | 32.0% | 31.5% | 32.1% | |
| Pretax Profit Margin | 24.9% | 22.4% | 32.0% | 31.5% | 32.1% | |
| Continuous Operations Profit Margin | 19.7% | 17.6% | 25.2% | 25.1% | 25.8% | |
| Net Profit Margin | 19.7% | 17.6% | 25.2% | 25.1% | 25.8% | |
| Bottom Line Profit Margin | 19.7% | 17.6% | 25.2% | 25.1% | 25.8% | |
| Current Ratio | 0.294 | 0.179 | 0.148 | 0.275 | 0.363 | |
| Quick Ratio | 0.294 | 0.179 | 0.148 | 0.275 | 0.363 | |
| Solvency Ratio | 0.016 | 0.015 | 0.018 | 0.018 | 0.019 | |
| Cash Ratio | 0.143 | 0.099 | 0.091 | 0.068 | 0.144 | |
| Price To Earnings Ratio | 10.778 | 11.469 | 7.764 | 8.218 | 8.531 | |
| Price To Earnings Growth Ratio | 0.573 | -0.611 | 0.684 | 2.977 | 0.285 | |
| Forward Price To Earnings Growth Ratio | 0.573 | -0.611 | 0.684 | 2.977 | 0.285 | |
| Price To Earnings Diluted Ratio | 11.279 | 11.901 | 8.000 | 8.523 | 8.773 | |
| Price To Earnings Diluted Growth Ratio | 0.633 | -0.615 | 0.663 | 4.503 | 0.334 | |
| Price To Book Ratio | 1.276 | 1.303 | 1.168 | 1.313 | 1.212 | |
| Price To Sales Ratio | 2.123 | 2.020 | 1.913 | 2.021 | 2.171 | |
| Price To Free Cash Flow Ratio | 8.775 | 10.207 | 8.828 | 3.935 | 5.291 | |
| Price To Operating Cash Flow Ratio | 8.134 | 9.630 | 8.122 | 3.793 | 5.130 | |
| Debt To Assets Ratio | 0.014 | 0.026 | 0.026 | 0.031 | 0.031 | |
| Debt To Equity Ratio | 0.122 | 0.251 | 0.271 | 0.343 | 0.300 | |
| Debt To Capital Ratio | 0.109 | 0.201 | 0.213 | 0.255 | 0.231 | |
| Long Term Debt To Capital Ratio | 0.109 | 0.201 | 0.213 | 0.255 | 0.231 | |
| Financial Leverage Ratio | 9.073 | 9.642 | 10.328 | 11.047 | 9.577 | |
| Working Capital Turnover Ratio | -0.104 | -0.093 | -0.089 | -0.100 | -0.112 | |
| Operating Cash Flow Ratio | 0.020 | 0.016 | 0.016 | 0.036 | 0.029 | |
| Operating Cash Flow Sales Ratio | 0.261 | 0.210 | 0.236 | 0.533 | 0.423 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.927 | 0.944 | 0.920 | 0.964 | 0.970 | |
| Debt Service Coverage Ratio | 0.756 | 0.599 | 0.957 | 2.873 | 4.901 | |
| Interest Coverage Ratio | 0.871 | 0.675 | 1.099 | 3.224 | 5.509 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 1.281 | 0.538 | 0.531 | 1.010 | 0.788 | |
| Capital Expenditure Coverage Ratio | 13.688 | 17.705 | 12.506 | 27.655 | 32.970 | |
| Dividend Paid And Capex Coverage Ratio | 4.916 | 4.747 | 4.360 | 9.902 | 11.592 | |
| Dividend Payout Ratio | 0.173 | 0.184 | 0.139 | 0.138 | 0.092 | |
| Enterprise Value Multiple | 1.732 | 4.629 | 2.976 | 4.446 | 1.625 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 69.6% | ▲4.3% | ▼-8.5% |
| Ebit Margin | 24.9% | ▲2.6% | ▼-3.6% |
| Ebitda Margin | 26.9% | ▲2.2% | ▼-4.2% |
| Operating Profit Margin | 24.9% | ▲2.6% | ▼-3.6% |
| Pretax Profit Margin | 24.9% | ▲2.6% | ▼-3.6% |
| Continuous Operations Profit Margin | 19.7% | ▲2.1% | ▼-3.0% |
| Net Profit Margin | 19.7% | ▲2.1% | ▼-3.0% |
| Bottom Line Profit Margin | 19.7% | ▲2.1% | ▼-3.0% |
| Current Ratio | 0.294 | ▲0.115 | ▲0.043 |
| Quick Ratio | 0.294 | ▲0.115 | ▲0.043 |
| Solvency Ratio | 0.016 | ▲0.001 | ▼-0.001 |
| Cash Ratio | 0.143 | ▲0.043 | ▲0.034 |
| Price To Earnings Ratio | 10.778 | ▼-0.691 | ▲1.426 |
| Price To Earnings Growth Ratio | 0.573 | ▲1.184 | ▼-0.209 |
| Forward Price To Earnings Growth Ratio | 0.573 | ▲1.184 | ▼-0.209 |
| Price To Earnings Diluted Ratio | 11.279 | ▼-0.622 | ▲1.584 |
| Price To Earnings Diluted Growth Ratio | 0.633 | ▲1.249 | ▼-0.470 |
| Price To Book Ratio | 1.276 | ▼-0.026 | ▲0.022 |
| Price To Sales Ratio | 2.123 | ▲0.103 | ▲0.073 |
| Price To Free Cash Flow Ratio | 8.775 | ▼-1.431 | ▲1.368 |
| Price To Operating Cash Flow Ratio | 8.134 | ▼-1.496 | ▲1.172 |
| Debt To Assets Ratio | 0.013 | ▼-0.013 | ▼-0.012 |
| Debt To Equity Ratio | 0.122 | ▼-0.129 | ▼-0.135 |
| Debt To Capital Ratio | 0.109 | ▼-0.092 | ▼-0.093 |
| Long Term Debt To Capital Ratio | 0.109 | ▼-0.092 | ▼-0.093 |
| Financial Leverage Ratio | 9.073 | ▼-0.569 | ▼-0.861 |
| Working Capital Turnover Ratio | -0.104 | ▼-0.011 | ▼-0.004 |
| Operating Cash Flow Ratio | 0.020 | ▲0.004 | ▼-0.003 |
| Operating Cash Flow Sales Ratio | 0.261 | ▲0.051 | ▼-0.071 |
| Free Cash Flow Operating Cash Flow Ratio | 0.927 | ▼-0.017 | ▼-0.018 |
| Debt Service Coverage Ratio | 0.756 | ▲0.157 | ▼-1.261 |
| Interest Coverage Ratio | 0.872 | ▲0.197 | ▼-1.404 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 1.281 | ▲0.743 | ▲0.451 |
| Capital Expenditure Coverage Ratio | 13.688 | ▼-4.016 | ▼-7.216 |
| Dividend Paid And Capex Coverage Ratio | 4.916 | ▲0.169 | ▼-2.187 |
| Dividend Payout Ratio | 0.173 | ▼-0.011 | ▲0.028 |
| Enterprise Value Multiple | 1.732 | ▼-2.897 | ▼-1.350 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $630.3M | $571.8M | $475.4M | $468.8M | $493.9M | |
| Enterprise value | $138.4M | $323.1M | $255.4M | $356.2M | $129.3M | |
| EV / Sales | 0.47x | 1.14x | 1.03x | 1.54x | 0.57x | |
| EV / Op. cash flow | 1.79x | 5.44x | 4.36x | 2.88x | 1.34x | |
| EV / Free cash flow | 1.93x | 5.77x | 4.74x | 2.99x | 1.39x | |
| EV / EBITDA | 1.73x | 4.63x | 2.98x | 4.45x | 1.62x | |
| Net debt / EBITDA | -6.16x | -3.56x | -2.56x | -1.41x | -4.58x | |
| Current ratio | 0.29x | 0.18x | 0.15x | 0.28x | 0.36x | |
| Income quality | 1.32x | 1.19x | 0.93x | 2.12x | 1.64x | |
| Graham number | $50 | $43 | $46 | $40 | $41 | |
| Graham net-net | -$176 | -$191 | -$199 | -$155 | -$128 | |
| Tax burden | 78.9% | 78.6% | 79.0% | 79.6% | 80.2% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$2.73B | -$2.97B | -$3.09B | -$2.51B | -$2.15B | |
| Invested capital | -$2.64B | -$2.87B | -$2.99B | -$2.40B | -$2.04B | |
| Return on assets | 1.3% | 1.2% | 1.5% | 1.5% | 1.5% | |
| Operating ROA | 1.7% | 1.5% | 1.9% | 1.9% | 1.9% | |
| Return on tangible assets | 1.3% | 1.2% | 1.5% | 1.5% | 1.5% | |
| Return on equity | 11.8% | 11.3% | 15.4% | 16.3% | 14.4% | |
| Return on invested capital | 9.6% | 8.1% | 10.8% | 12.1% | 11.1% | |
| Return on capital employed | 12.2% | 10.4% | 13.7% | 15.3% | 13.8% | |
| Earnings yield | 9.3% | 8.7% | 13.2% | 12.4% | 11.9% | |
| Free cash flow yield | 11.4% | 9.8% | 11.3% | 25.4% | 18.9% | |
| Capex / Op. cash flow | 7.3% | 5.6% | 8.0% | 3.6% | 3.0% | |
| Capex / Depreciation | 97.4% | 51.5% | 73.0% | 64.2% | 45.4% | |
| Capex / Sales | 1.9% | 1.2% | 1.9% | 1.9% | 1.3% | |
| SG&A / Sales | 31.3% | 27.6% | 33.3% | 38.8% | 42.5% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.9% | 0.8% | 0.9% | 1.2% | 0.7% | |
| Intangibles / Total assets | 1.0% | 1.1% | 1.1% | 1.3% | 1.2% | |
| Days sales outstanding | 26d | 28d | 31d | 26d | 22d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 26d | 28d | 31d | 26d | 22d | |
| Cash conversion cycle | 26d | 28d | 31d | 26d | 22d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+10.2%EV / Sales ▼-59.2%EV / EBITDA ▼-62.6%EV / Op. cash flow ▼-3.656Earnings yield ▲+0.006Graham number ▲+7.035
Profitability
Return on equity ▲+0.005Return on assets ▲+0.001Return on invested capital ▲+0.015Return on capital employed ▲+0.019Operating ROA ▲+0.002Income quality ▲+0.131Tax burden ▲+0.004
Efficiency
Days sales outstanding ▼-2.228Days payables outstanding n/aOperating cycle ▼-2.228Cash conversion cycle ▼-2.228Capex / Sales ▲+0.007R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.115Net debt / EBITDA ▼-2.595Working capital ▲+238286300.000Invested capital ▲+234060300.000Intangibles / Total assets ▼-0.001
Change over 5 years
Valuation
Market cap ▲+27.6%EV / Sales ▼-18.0%EV / EBITDA ▲+6.6%EV / Op. cash flow ▲+0.443Earnings yield ▼-0.026Graham number ▲+8.344
Profitability
Return on equity ▼-0.025Return on assets ▼-0.002Return on invested capital ▼-0.014Return on capital employed ▼-0.016Operating ROA ▼-0.002Income quality ▼-0.317Tax burden ▼-0.012
Efficiency
Days sales outstanding ▲+3.433Days payables outstanding n/aOperating cycle ▲+3.433Cash conversion cycle ▲+3.433Capex / Sales ▲+0.006R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.069Net debt / EBITDA ▼-1.574Working capital ▼-586545700.000Invested capital ▼-593295700.000Intangibles / Total assets ▼-0.002
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-21 4 Stocks That Recently Hiked Dividends Amid Geopolitical Tensions SJM, PPG, SPFI and CNP recently raised dividends, offering income potential as geopolitical tensions fuel market volatility.
- 2026-07-17 Dividend Champion, Contender, And Challenger Highlights: Week Of July 19 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies that changed their dividends. Companies with upcoming ex-dividend dates.
- 2026-07-17 South Plains Financial (SPFI) Reports Q2 Earnings: What Key Metrics Have to Say The headline numbers for South Plains Financial (SPFI) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-07-17 South Plains Financial, Inc. (SPFI) Q2 2026 Earnings Call Transcript South Plains Financial, Inc. (SPFI) Q2 2026 Earnings Call Transcript
- 2026-07-17 South Plains Financial Q2 Earnings Call Highlights South Plains Financial NASDAQ: SPFI reported higher second-quarter 2026 earnings as its recent Bank of Houston acquisition contributed to balance sheet growth, while management said the company remains focused on organic loan expansion, expense discipline and maintaining profitability amid an elevated interest-rate environment.
- 2026-07-17 South Plains Financial (SPFI) Beats Q2 Earnings and Revenue Estimates South Plains Financial (SPFI) came out with quarterly earnings of $0.96 per share, beating the Zacks Consensus Estimate of $0.86 per share. This compares to earnings of $0.86 per share a year ago.
- 2026-07-17 South Plains Financial, Inc. Reports Second Quarter 2026 Financial Results LUBBOCK, Texas, July 17, 2026 (GLOBE NEWSWIRE) -- South Plains Financial, Inc. (NASDAQ:SPFI) (“South Plains” or the “Company”), the parent company of City Bank (“City Bank” or the “Bank”), today reported its financial results for the quarter ended June 30, 2026.
- 2026-07-16 South Plains Financial, Inc. Announces 6% Increase to Quarterly Cash Dividend LUBBOCK, Texas, July 16, 2026 (GLOBE NEWSWIRE) -- South Plains Financial, Inc. (NASDAQ:SPFI) (“South Plains”), the parent company of City Bank, today announced that its Board of Directors has declared a quarterly cash dividend of $0.18 per share of common stock, a 6% increase from the most recent quarterly cash dividend declared in April 2026. The dividend is payable on August 10, 2026 to shareholders of record as of the close of business on July 27, 2026.
- 2026-07-07 South Plains Financial, Inc. Announces Second Quarter 2026 Earnings Call LUBBOCK, Texas, July 07, 2026 (GLOBE NEWSWIRE) -- South Plains Financial, Inc. (NASDAQ:SPFI) (“South Plains” or the “Company”), the parent company of City Bank, today announced that its second quarter 2026 financial results will be released before the market opens on Friday, July 17, 2026. The Company will host a conference call and webcast at 8:30 a.m. ET on the same day to discuss its financial results.
- 2026-06-17 South Plains Financial, Inc. Announces Executive Leadership Transition ~ Curtis Griffith to Retire as Chief Executive Officer, Continue as Chairman of the Board ~ ~ Cory Newsom Appointed Chief Executive Officer Effective December 31, 2026 ~ LUBBOCK, Texas, June 17, 2026 (GLOBE NEWSWIRE) -- South Plains Financial, Inc. (NASDAQ:SPFI) (“South Plains” or the “Company”), the parent company of City Bank (“City Bank” or the “Bank”), today announced the upcoming retirement of Curtis Griffith, Chairman and Chief Executive Officer, to be effective December 31, 2026. Mr. Griffith will remain a director of the Company and its wholly owned subsidiary, City Bank, and will continue to serve as Chairman of the Board.