Lumida
/SPFI
⌘K
South Plains Financial Inc

South Plains Financial Inc

SPFI
$45.63USD+0.75%+0.34 today

MARKET CAP

859.6M

P/E (TTM)

12.4x

FWD P/E

11.2x

DAY RANGE

$45 – $46

52W RANGE

$35
$47

AI Summary

Stalk
StalkMedium

SPFI remains in a corrective reset within its Stage 2 uptrend, holding above key support at the 200 and 50 DMAs after an oversold retracement. Medium-term structure is bullish, anchored by higher highs and higher lows, but short-term timing is neutral until price reclaims the 9/21 EMAs. We will stalk a pullback into the 200 DMA and prior support region for an optimal entry.

  • Earnings yield of 1.72% indicates undervaluation relative to peers
  • Dividend yield at 3.32% enhances income appeal amid volatility
  • Negative growth metrics signal stagnating revenue momentum
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$232.5M$237.3M$291.3M$289.0M$296.9M
YoY %-1.8%+2.1%+22.7%-0.8%+2.7%
P / Sales2.2x2.1x1.7x2.0x2.2x
EV / Sales16.9x17.0x14.6x15.0x15.5x
Gross Profit, Adj.$219.2M$214.6M$219.0M$195.2M$211.9M
YoY %-0.7%-2.1%+2.0%-10.9%+8.6%
Margin %94.3%90.4%75.2%67.5%71.4%
EV / Gross Profit18.0x18.8x19.4x22.2x21.6x
EBITDA, Adj.$73.1M$73.2M$79.4M$63.3M$74.1M
YoY %+29.2%+0.0%+8.6%-20.3%+17.0%
Margin %31.4%30.8%27.3%21.9%24.9%
EV / EBITDA53.9x55.0x53.4x68.4x61.9x
EBIT$73.1M$73.2M$79.4M$63.3M$74.1M
YoY %+29.2%+0.0%+8.6%-20.3%+17.0%
Margin %31.4%30.8%27.3%21.9%24.9%
EV / EBIT53.9x55.0x53.4x68.4x61.9x
Net Income$58.6M$58.2M$62.7M$49.7M$58.5M
YoY %+29.2%-0.6%+7.7%-20.8%+17.6%
Net Margin25.2%24.5%21.5%17.2%19.7%
EPS (GAAP)$3.17$3.23$3.62$2.92$3.44
YoY %+28.3%+1.9%+12.1%-19.3%+17.8%