South Plains Financial(SPFI)
$43.04-0.04 (-0.09%)
SPFI
South Plains Financial financials statements
$43.04
At close:-0.04 (-0.09%)
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South Plains Financial (SPFI) Ratios
45 Followers
South Plains Financial Ratios
SPFI's free cash flow for Q3 2026 was $30.49M. For the 2026 fiscal year, SPFI's free cash flow was decreased by $-436.00K and operating cash flow was $30.93M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.29 | 0.18 | 0.15 | 0.28 | 0.36 |
| Quick Ratio | 0.29 | 0.18 | 0.15 | 0.28 | 0.36 |
| Cash Ratio | 0.14 | 0.10 | 0.09 | 0.07 | 0.14 |
| Solvency Ratio | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | 0.02 | 0.04 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 66.23 | 0.00 |
| Net Current Asset Value | $ -2.85B | $ -3.14B | $ -3.26B | $ -2.63B | $ -2.27B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.03 | 0.03 | 0.03 | 0.03 |
| Debt-to-Equity Ratio | 0.12 | 0.25 | 0.27 | 0.34 | 0.30 |
| Debt-to-Capital Ratio | 0.11 | 0.20 | 0.21 | 0.26 | 0.23 |
| Long-Term Debt-to-Capital Ratio | 0.11 | 0.20 | 0.21 | 0.26 | 0.23 |
| Financial Leverage Ratio | 9.07 | 9.64 | 10.33 | 11.05 | 9.58 |
| Debt Service Coverage Ratio | 0.76 | 0.60 | 0.96 | 2.66 | 4.90 |
| Interest Coverage Ratio | 0.87 | 0.67 | 1.10 | 3.22 | 5.51 |
| Debt to Market Cap | 0.10 | 0.19 | 0.23 | 0.27 | 0.25 |
| Interest Debt Per Share | 8.96 | 12.41 | 11.11 | 8.52 | 7.63 |
| Net Debt to EBITDA | -6.16 | -3.56 | -2.56 | -1.40 | -4.58 |
| Profitability Margins | |||||
| Gross Profit Margin | 69.62% | 65.35% | 69.06% | 91.35% | 95.01% |
| EBIT Margin | 24.95% | 22.36% | 31.96% | 31.54% | 32.14% |
| EBITDA Margin | 26.91% | 24.66% | 34.54% | 34.54% | 34.97% |
| Operating Profit Margin | 24.95% | 22.36% | 31.96% | 31.54% | 32.14% |
| Pretax Profit Margin | 24.95% | 22.36% | 31.96% | 31.54% | 32.14% |
| Net Profit Margin | 19.69% | 17.56% | 25.25% | 25.11% | 25.76% |
| Continuous Operations Profit Margin | 19.69% | 17.56% | 25.25% | 25.11% | 25.76% |
| Net Income Per EBT | 78.94% | 78.55% | 79.01% | 79.62% | 80.16% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.31% | 1.17% | 1.49% | 1.48% | 1.50% |
| Return on Equity (ROE) | 11.84% | 11.33% | 15.41% | 16.31% | 14.39% |
| Return on Capital Employed (ROCE) | 12.21% | 10.35% | 13.72% | 15.26% | 13.81% |
| Return on Invested Capital (ROIC) | 9.64% | 8.13% | 10.84% | 12.10% | 11.07% |
| Return on Tangible Assets | 1.32% | 1.19% | 1.51% | 1.50% | 1.52% |
| Earnings Yield | 9.28% | 8.69% | 13.20% | 12.42% | 11.87% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.18 | 13.05 | 11.90 | 14.11 | 16.37 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 5.76 | 5.35 | 4.51 | 4.12 | 3.94 |
| Asset Turnover | 0.07 | 0.07 | 0.06 | 0.06 | 0.06 |
| Working Capital Turnover Ratio | -0.10 | -0.09 | -0.09 | -0.10 | -0.11 |
| Cash Conversion Cycle | 25.73 | 27.96 | 30.67 | 25.86 | 22.30 |
| Days of Sales Outstanding | 25.73 | 27.96 | 30.67 | 25.86 | 22.30 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 25.73 | 27.96 | 30.67 | 25.86 | 22.30 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.77 | 3.61 | 3.57 | 7.26 | 5.42 |
| Free Cash Flow Per Share | 4.42 | 3.40 | 3.28 | 7.00 | 5.26 |
| Dividend Paid and CapEx Coverage Ratio | 4.92 | 4.75 | 4.36 | 9.90 | 11.59 |
| Capital Expenditure Coverage Ratio | 13.69 | 17.70 | 12.51 | 27.65 | 32.97 |
| Operating Cash Flow Coverage Ratio | 1.28 | 0.54 | 0.53 | 1.01 | 0.79 |
| Operating Cash Flow to Sales Ratio | 0.26 | 0.21 | 0.24 | 0.53 | 0.42 |
| Free Cash Flow Yield | 11.40% | 9.80% | 11.33% | 25.41% | 18.90% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.78 | 11.47 | 7.58 | 8.05 | 8.43 |
| Price-to-Sales (P/S) Ratio | 2.12 | 2.02 | 1.91 | 2.02 | 2.17 |
| Price-to-Book (P/B) Ratio | 1.28 | 1.30 | 1.17 | 1.31 | 1.21 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.78 | 10.21 | 8.83 | 3.94 | 5.29 |
| Price-to-Operating Cash Flow Ratio | 8.13 | 9.63 | 8.12 | 3.79 | 5.13 |
| Price-to-Earnings Growth (PEG) Ratio | 0.57 | -0.61 | 0.67 | 2.92 | 0.28 |
| Enterprise Value Multiple | 1.73 | 4.63 | 2.98 | 4.45 | 1.62 |
| Enterprise Value | 138.36M | 323.12M | 255.45M | 356.22M | 129.25M |
| EV to EBITDA | 1.73 | 4.63 | 2.98 | 4.45 | 1.62 |
| EV to Sales | 0.47 | 1.14 | 1.03 | 1.54 | 0.57 |
| EV to Free Cash Flow | 1.93 | 5.77 | 4.74 | 2.99 | 1.38 |
| EV to Operating Cash Flow | 1.79 | 5.44 | 4.36 | 2.88 | 1.34 |
| Tangible Book Value Per Share | 27.66 | 23.80 | 21.86 | 17.95 | 20.40 |
| Shareholders’ Equity Per Share | 30.40 | 26.67 | 24.80 | 20.97 | 22.94 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.21 | 0.21 | 0.20 | 0.20 |
| Revenue Per Share | 18.28 | 17.20 | 15.14 | 13.62 | 12.81 |
| Net Income Per Share | 3.60 | 3.02 | 3.82 | 3.42 | 3.30 |
| Tax Burden | 0.79 | 0.79 | 0.79 | 0.80 | 0.80 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.31 | 0.28 | 0.32 | 0.37 | 0.41 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.33 | 1.19 | 0.93 | 2.12 | 1.64 |
Currency in USD
