Fundamental Analysis of South Plains Financial Inc - Growth / Value Index


SPFI - Valuation Highlights

Valuation Analysis

   Tsr Value Index - Excellent Score of 95.00
   Undervalued - Price to Intrinsic Value of 0.247
   Price to Earning Ratio is 7.20 and EV to EBITDA is 2.75 suggesting company is undervalued.
   Price to Book Ratio is 0.250 indicating that it is undervalued.
   Book Value in last 3 years is trending up
Valuation Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Price to Earning 7.31 7.42 -11.11 %
Price to Book 0.254 1.14 -16.02 % 1.14
Price to Sales 2.02 2.20 -3.06 %
Enterprise Value to EBITDA Multiple 2.83 3.12 -20.47 %


SPFI - Profitability Highlights

Profitability Analysis

   Earning Yield of 13.89 %
   Excellent Net Margin for last 3 years
   Company Earning excess return
   During the past twelve months, the company has given a strong Net Margin of 27.70%
   All key Trailing Twelve Months Margin growing by 15 %
   Piotroski F Score - Stable Value of 5.0
   Annual Net Profit in last 3 years is trending up
   Good Return On Capital Employed of 12.57
   Good Return on Equity of 16.53% is achieved by the company
   In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Return On Equity 16.53 15.41 -5.52 % 2.66
Return On Asset 1.55 1.49 1.05 % 0.258
Net Profit Margin 27.70 29.59 9.05 % 15.50
Operating Profit Margin 35.20 37.46 9.89 % 19.99
EBITDA Margin 35.20 37.46 -16.13 % 19.99


Highlights
Market Cap449727 K
Enterprise Value231509 K
Price/Book TTM0.254
Outstanding Share16419.40 K
Float/ Outstanding Share71.43%
Dividend Yield2.07 %
Share Holding
Guru Numbers
Price/Graham No0.610
Peter Lynch Ratio1.71
Piotroski F Score5.00
Altman Z Score0.294
Sloan Ratio0.0015
Peter Lynch Fair Value31.50


SPFI - Growth Highlights

Growth Analysis

   Quarterly sales in last 5 years is trending up
   Steady increase in Total Assets for last 3 Years
   Annual sales in last 3 years is trending down
Growth Key Fields
Field TTM YoY Growth QoQ Growth
Revenue 232399 K 1.21 % 5.66 %
Gross Profit 232399 K 1.21 % 5.66 %
EBITDA 81799.00 K 17.14 % 6.91 %
Net Profit 64375.00 K 7.74 % 5.33 %
EPS 3.75 12.49 % NA


SPFI - Stability Highlights

Stability Analysis

   Debt to equity ratio has decreased and is lowest in last five years
   Altman Z Score of 0.293 suggest high risk
Stability Key Ratios
Ratio Latest FY Yoy Change MRQ
Debt to Equity Ratio 0.275 -20.98 % 0.270
Cash Ratio 0.215 -98.64 %
Quick Ratio 0.444 -99.41 % 0.690
Shareholders Equity 9.68 6.96 %
Debt to EBITDA 1.41 8.75 %


Historical Valuation Ratios of South Plains Financial Inc

Historical Valuation Ratios
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Historical Profitability Ratios of South Plains Financial Inc

Historical Profitability Ratios
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Historical Efficiency Ratios of South Plains Financial Inc

Historical Efficiency Ratios
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Historical Solvency Ratios of South Plains Financial Inc

Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)