South Plains Valuation
| SPFI Stock | USD 43.03 0.18 0.42% |
At this time, the company appears to be undervalued. South Plains Financial has a current Real Value of $47.81 per share. The regular price of the company is $43.03. Our model measures the value of South Plains Financial from inspecting the company fundamentals such as Operating Margin of 0.37 %, return on equity of 0.13, and Shares Outstanding of 16.3 M as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting South Plains' valuation include:
Price Book 1.4264 | Enterprise Value | Price Sales 3.4079 | Trailing PE 12.0362 | Enterprise Value Revenue 3.6098 |
Undervalued
Today
Please note that South Plains' price fluctuation is very steady at this time. Calculation of the real value of South Plains Financial is based on 3 months time horizon. Increasing South Plains' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since South Plains is currently traded on the exchange, buyers and sellers on that exchange determine the market value of South Stock. However, South Plains' intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 43.03 | Real 47.81 | Target 46.75 | Hype 43.05 |
The intrinsic value of South Plains' stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence South Plains' stock price.
Estimating the potential upside or downside of South Plains Financial helps investors to forecast how South stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of South Plains more accurately as focusing exclusively on South Plains' fundamentals will not take into account other important factors: When choosing an evaluation method for South Plains Financial, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
South Plains Cash |
|
South Plains Total Value Analysis
South Plains Financial is at this time forecasted to have valuation of 212.1 M with market capitalization of 704.38 M, debt of 60.49 M, and cash on hands of 329.96 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the South Plains fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
212.1 M | 704.38 M | 60.49 M | 329.96 M |
South Plains Investor Information
About 25.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.43. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. South Plains Financial last dividend was issued on the 2nd of February 2026. Based on the key indicators related to South Plains' liquidity, profitability, solvency, and operating efficiency, South Plains Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.19 | 0.2495 |
|
| |||||
| Total Cash From Operating Activities | 60 M | 68.3 M |
|
| |||||
| Operating Income | 61.8 M | 74.1 M |
|
|
South Plains Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. South Plains has an asset utilization ratio of 6.63 percent. This signifies that the Company is making $0.0663 for each dollar of assets. An increasing asset utilization means that South Plains Financial is more efficient with each dollar of assets it utilizes for everyday operations.South Plains Profitability Analysis
Based on South Plains' profitability indicators, South Plains' profitability may be sliding down. It has an above-average probability of reporting lower numbers next quarter. Profitability indicators assess South Plains' ability to earn profits and add value for shareholders.Net Income | First Reported 2018-03-31 | Previous Quarter 16.3 M | Current Value 15.3 M | Quarterly Volatility 5 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.89 | 0.6962 |
|
| |||||
| Net Profit Margin | 0.16 | 0.1969 |
|
| |||||
| Operating Profit Margin | 0.19 | 0.2495 |
|
| |||||
| Pretax Profit Margin | 0.19 | 0.2495 |
|
| |||||
| Return On Assets | 0.0098 | 0.0131 |
|
| |||||
| Return On Equity | 0.15 | 0.1184 |
|
|
For South Plains profitability analysis, we use financial ratios and fundamental drivers that measure the ability of South Plains Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well South Plains utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between South Plains's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of South Plains over time as well as its relative position and ranking within its peers.
South Plains Earnings per Share Projection vs Actual
By analyzing South Plains' earnings estimates, investors can diagnose different trends across South Plains' analyst sentiment over time as well as compare current EPS estimates against different timeframes. Please be aware that the consensus of earnings estimates for South Plains Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.South Plains Ownership Allocation
South Plains Financial shows a total of 16.3 Million outstanding shares. South Plains Financial maintains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.South Plains Profitability Analysis
The company reported the previous year's revenue of 296.89 M. Net Income was 49.72 M with profit before overhead, payroll, taxes, and interest of 206.69 M.South Plains Past Distributions to stockholders
About South Plains Valuation
An absolute valuation paradigm, as applied to South Stock, attempts to find the value of South Plains Financial based on its fundamental and basic technical indicators. By analyzing South Plains's financials, quarterly and monthly indicators, and their related drivers, such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of South Plains's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of South Plains. We calculate exposure to South Plains's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of South Plains's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 206.7 M | 201.5 M | |
| Pretax Profit Margin | 0.25 | 0.19 | |
| Operating Profit Margin | 0.25 | 0.19 | |
| Net Profit Margin | 0.20 | 0.16 | |
| Gross Profit Margin | 0.70 | 0.89 |
South Plains Quarterly Retained Earnings |
|
A single share of South Plains represents a small ownership stake in the entity. As a stockholder of South, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
South Plains Dividends Analysis For Valuation
As of now, South Plains' Dividend Yield is decreasing as compared to previous years. The South Plains' current Dividend Payout Ratio is estimated to increase to 0.26, while Dividends Paid is forecasted to increase to (7.8 M). . As of now, South Plains' Retained Earnings Total Equity is increasing as compared to previous years. The South Plains' current Price Earnings Ratio is estimated to increase to 11.06, while Retained Earnings are projected to decrease to under 278.3 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -8.2 M | -7.8 M | |
| Dividend Yield | 0.02 | 0.03 | |
| Dividend Payout Ratio | 0.17 | 0.26 | |
| Dividend Paid And Capex Coverage Ratio | 4.27 | 4.05 |
There are various types of dividends South Plains can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of South shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from South Plains Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When South pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of South Plains by the value of the dividends paid out.
South Plains Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 17 M | |
| Quarterly Earnings Growth Y O Y | -0.061 |
South Plains Current Valuation Indicators
Valuation refers to the process of determining the present value of South Plains Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value South we look at many different elements of the entity such as South's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as South Plains, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use South Plains' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes South Plains' worth.Complementary Tools for South Stock analysis
When running South Plains' price analysis, check to measure South Plains' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy South Plains is operating at the current time. Most of South Plains' value examination focuses on studying past and present price action to predict the probability of South Plains' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move South Plains' price. Additionally, you may evaluate how the addition of South Plains to your portfolios can decrease your overall portfolio volatility.
| Watchlist Optimization Optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm | |
| Global Markets Map Get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes | |
| Portfolio Manager State of the art Portfolio Manager to monitor and improve performance of your invested capital | |
| Price Exposure Probability Analyze equity upside and downside potential for a given time horizon across multiple markets | |
| Companies Directory Evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals | |
| Sync Your Broker Sync your existing holdings, watchlists, positions or portfolios from thousands of online brokerage services, banks, investment account aggregators and robo-advisors. |