Financhill
Buy
72

SPFI Quote, Financials, Valuation and Earnings

Last price:
$40.82
Seasonality move :
-15.26%
Day range:
$40.66 - $41.26
52-week range:
$30.01 - $42.38
Dividend yield:
1.52%
P/E ratio:
11.63x
P/S ratio:
2.34x
P/B ratio:
1.39x
Volume:
49.3K
Avg. volume:
67K
1-year change:
17.62%
Market cap:
$662.6M
Revenue:
$289.9M
EPS (TTM):
$3.51

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
SPFI
South Plains Financial, Inc. (Texas)
$53.8M $0.82 -23.77% 13.48% $44.50
CAC
Camden National Corp. (Maine)
$66.4M $1.32 -12.32% 32% $47.50
CCBG
Capital City Bank Group, Inc.
$64.7M $0.89 -12.23% -11.71% $46.08
FBNC
First Bancorp (North Carolina)
$122.4M $1.04 -15.63% 16.93% $60.20
FCBC
First Community Bancshares, Inc. (Virginia)
$41.4M $0.62 -11.48% -12.43% $38.00
TMP
Tompkins Financial Corp.
$83.5M $1.76 22.83% 24.5% $78.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
SPFI
South Plains Financial, Inc. (Texas)
$40.78 $44.50 $662.6M 11.63x $0.16 1.52% 2.34x
CAC
Camden National Corp. (Maine)
$45.31 $47.50 $766.7M 12.91x $0.42 3.71% 2.11x
CCBG
Capital City Bank Group, Inc.
$44.57 $46.08 $760.8M 12.48x $0.26 2.24% 2.63x
FBNC
First Bancorp (North Carolina)
$57.92 $60.20 $2.4B 24.27x $0.23 1.57% 4.47x
FCBC
First Community Bancshares, Inc. (Virginia)
$34.60 $38.00 $633.7M 12.91x $1.00 3.58% 3.45x
TMP
Tompkins Financial Corp.
$76.15 $78.00 $1.1B 12.91x $0.65 3.3% 2.35x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
SPFI
South Plains Financial, Inc. (Texas)
11.24% 0.586 9.63% 0.00x
CAC
Camden National Corp. (Maine)
55.36% 0.674 128.48% 0.00x
CCBG
Capital City Bank Group, Inc.
17.04% 0.237 15.57% 0.00x
FBNC
First Bancorp (North Carolina)
6.26% 0.661 4.88% 0.00x
FCBC
First Community Bancshares, Inc. (Virginia)
0.28% 0.499 0.22% 0.00x
TMP
Tompkins Financial Corp.
39.99% 0.720 55.29% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
SPFI
South Plains Financial, Inc. (Texas)
-- $20.7M 10.78% 13.23% 55.71% $16.2M
CAC
Camden National Corp. (Maine)
-- $26.8M 4.51% 9.45% 59.06% $35.4M
CCBG
Capital City Bank Group, Inc.
-- $21.1M 9.78% 11.93% 39.43% $1.7M
FBNC
First Bancorp (North Carolina)
-- $26M 6.06% 6.48% 51.54% $42.3M
FCBC
First Community Bancshares, Inc. (Virginia)
-- $16.7M 9.63% 9.65% 43.59% $18.5M
TMP
Tompkins Financial Corp.
-- $31.1M 5.95% 11.34% 53.65% $33.9M

South Plains Financial, Inc. (Texas) vs. Competitors

  • Which has Higher Returns SPFI or CAC?

    Camden National Corp. (Maine) has a net margin of 21.56% compared to South Plains Financial, Inc. (Texas)'s net margin of 22.31%. South Plains Financial, Inc. (Texas)'s return on equity of 13.23% beat Camden National Corp. (Maine)'s return on equity of 9.45%.

    Company Gross Margin Earnings Per Share Invested Capital
    SPFI
    South Plains Financial, Inc. (Texas)
    -- $0.96 $538.3M
    CAC
    Camden National Corp. (Maine)
    -- $1.25 $1.5B
  • What do Analysts Say About SPFI or CAC?

    South Plains Financial, Inc. (Texas) has a consensus price target of $44.50, signalling upside risk potential of 9.12%. On the other hand Camden National Corp. (Maine) has an analysts' consensus of $47.50 which suggests that it could grow by 4.83%. Given that South Plains Financial, Inc. (Texas) has higher upside potential than Camden National Corp. (Maine), analysts believe South Plains Financial, Inc. (Texas) is more attractive than Camden National Corp. (Maine).

    Company Buy Ratings Hold Ratings Sell Ratings
    SPFI
    South Plains Financial, Inc. (Texas)
    1 1 0
    CAC
    Camden National Corp. (Maine)
    1 2 0
  • Is SPFI or CAC More Risky?

    South Plains Financial, Inc. (Texas) has a beta of 0.597, which suggesting that the stock is 40.28% less volatile than S&P 500. In comparison Camden National Corp. (Maine) has a beta of 0.647, suggesting its less volatile than the S&P 500 by 35.328%.

  • Which is a Better Dividend Stock SPFI or CAC?

    South Plains Financial, Inc. (Texas) has a quarterly dividend of $0.16 per share corresponding to a yield of 1.52%. Camden National Corp. (Maine) offers a yield of 3.71% to investors and pays a quarterly dividend of $0.42 per share. South Plains Financial, Inc. (Texas) pays 19.18% of its earnings as a dividend. Camden National Corp. (Maine) pays out 46.39% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SPFI or CAC?

    South Plains Financial, Inc. (Texas) quarterly revenues are $75.7M, which are smaller than Camden National Corp. (Maine) quarterly revenues of $95M. South Plains Financial, Inc. (Texas)'s net income of $16.3M is lower than Camden National Corp. (Maine)'s net income of $21.2M. Notably, South Plains Financial, Inc. (Texas)'s price-to-earnings ratio is 11.63x while Camden National Corp. (Maine)'s PE ratio is 12.91x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for South Plains Financial, Inc. (Texas) is 2.34x versus 2.11x for Camden National Corp. (Maine). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SPFI
    South Plains Financial, Inc. (Texas)
    2.34x 11.63x $75.7M $16.3M
    CAC
    Camden National Corp. (Maine)
    2.11x 12.91x $95M $21.2M
  • Which has Higher Returns SPFI or CCBG?

    Capital City Bank Group, Inc. has a net margin of 21.56% compared to South Plains Financial, Inc. (Texas)'s net margin of 21.71%. South Plains Financial, Inc. (Texas)'s return on equity of 13.23% beat Capital City Bank Group, Inc.'s return on equity of 11.93%.

    Company Gross Margin Earnings Per Share Invested Capital
    SPFI
    South Plains Financial, Inc. (Texas)
    -- $0.96 $538.3M
    CCBG
    Capital City Bank Group, Inc.
    -- $0.93 $651.7M
  • What do Analysts Say About SPFI or CCBG?

    South Plains Financial, Inc. (Texas) has a consensus price target of $44.50, signalling upside risk potential of 9.12%. On the other hand Capital City Bank Group, Inc. has an analysts' consensus of $46.08 which suggests that it could grow by 3.4%. Given that South Plains Financial, Inc. (Texas) has higher upside potential than Capital City Bank Group, Inc., analysts believe South Plains Financial, Inc. (Texas) is more attractive than Capital City Bank Group, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    SPFI
    South Plains Financial, Inc. (Texas)
    1 1 0
    CCBG
    Capital City Bank Group, Inc.
    1 1 0
  • Is SPFI or CCBG More Risky?

    South Plains Financial, Inc. (Texas) has a beta of 0.597, which suggesting that the stock is 40.28% less volatile than S&P 500. In comparison Capital City Bank Group, Inc. has a beta of 0.356, suggesting its less volatile than the S&P 500 by 64.448%.

  • Which is a Better Dividend Stock SPFI or CCBG?

    South Plains Financial, Inc. (Texas) has a quarterly dividend of $0.16 per share corresponding to a yield of 1.52%. Capital City Bank Group, Inc. offers a yield of 2.24% to investors and pays a quarterly dividend of $0.26 per share. South Plains Financial, Inc. (Texas) pays 19.18% of its earnings as a dividend. Capital City Bank Group, Inc. pays out 28.22% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SPFI or CCBG?

    South Plains Financial, Inc. (Texas) quarterly revenues are $75.7M, which are larger than Capital City Bank Group, Inc. quarterly revenues of $73.5M. South Plains Financial, Inc. (Texas)'s net income of $16.3M is higher than Capital City Bank Group, Inc.'s net income of $16M. Notably, South Plains Financial, Inc. (Texas)'s price-to-earnings ratio is 11.63x while Capital City Bank Group, Inc.'s PE ratio is 12.48x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for South Plains Financial, Inc. (Texas) is 2.34x versus 2.63x for Capital City Bank Group, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SPFI
    South Plains Financial, Inc. (Texas)
    2.34x 11.63x $75.7M $16.3M
    CCBG
    Capital City Bank Group, Inc.
    2.63x 12.48x $73.5M $16M
  • Which has Higher Returns SPFI or FBNC?

    First Bancorp (North Carolina) has a net margin of 21.56% compared to South Plains Financial, Inc. (Texas)'s net margin of 15.43%. South Plains Financial, Inc. (Texas)'s return on equity of 13.23% beat First Bancorp (North Carolina)'s return on equity of 6.48%.

    Company Gross Margin Earnings Per Share Invested Capital
    SPFI
    South Plains Financial, Inc. (Texas)
    -- $0.96 $538.3M
    FBNC
    First Bancorp (North Carolina)
    -- $0.49 $1.7B
  • What do Analysts Say About SPFI or FBNC?

    South Plains Financial, Inc. (Texas) has a consensus price target of $44.50, signalling upside risk potential of 9.12%. On the other hand First Bancorp (North Carolina) has an analysts' consensus of $60.20 which suggests that it could grow by 3.94%. Given that South Plains Financial, Inc. (Texas) has higher upside potential than First Bancorp (North Carolina), analysts believe South Plains Financial, Inc. (Texas) is more attractive than First Bancorp (North Carolina).

    Company Buy Ratings Hold Ratings Sell Ratings
    SPFI
    South Plains Financial, Inc. (Texas)
    1 1 0
    FBNC
    First Bancorp (North Carolina)
    2 1 0
  • Is SPFI or FBNC More Risky?

    South Plains Financial, Inc. (Texas) has a beta of 0.597, which suggesting that the stock is 40.28% less volatile than S&P 500. In comparison First Bancorp (North Carolina) has a beta of 0.891, suggesting its less volatile than the S&P 500 by 10.938%.

  • Which is a Better Dividend Stock SPFI or FBNC?

    South Plains Financial, Inc. (Texas) has a quarterly dividend of $0.16 per share corresponding to a yield of 1.52%. First Bancorp (North Carolina) offers a yield of 1.57% to investors and pays a quarterly dividend of $0.23 per share. South Plains Financial, Inc. (Texas) pays 19.18% of its earnings as a dividend. First Bancorp (North Carolina) pays out 47.72% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SPFI or FBNC?

    South Plains Financial, Inc. (Texas) quarterly revenues are $75.7M, which are smaller than First Bancorp (North Carolina) quarterly revenues of $131.3M. South Plains Financial, Inc. (Texas)'s net income of $16.3M is lower than First Bancorp (North Carolina)'s net income of $20.3M. Notably, South Plains Financial, Inc. (Texas)'s price-to-earnings ratio is 11.63x while First Bancorp (North Carolina)'s PE ratio is 24.27x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for South Plains Financial, Inc. (Texas) is 2.34x versus 4.47x for First Bancorp (North Carolina). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SPFI
    South Plains Financial, Inc. (Texas)
    2.34x 11.63x $75.7M $16.3M
    FBNC
    First Bancorp (North Carolina)
    4.47x 24.27x $131.3M $20.3M
  • Which has Higher Returns SPFI or FCBC?

    First Community Bancshares, Inc. (Virginia) has a net margin of 21.56% compared to South Plains Financial, Inc. (Texas)'s net margin of 26.33%. South Plains Financial, Inc. (Texas)'s return on equity of 13.23% beat First Community Bancshares, Inc. (Virginia)'s return on equity of 9.65%.

    Company Gross Margin Earnings Per Share Invested Capital
    SPFI
    South Plains Financial, Inc. (Texas)
    -- $0.96 $538.3M
    FCBC
    First Community Bancshares, Inc. (Virginia)
    -- $0.67 $512.2M
  • What do Analysts Say About SPFI or FCBC?

    South Plains Financial, Inc. (Texas) has a consensus price target of $44.50, signalling upside risk potential of 9.12%. On the other hand First Community Bancshares, Inc. (Virginia) has an analysts' consensus of $38.00 which suggests that it could grow by 9.83%. Given that First Community Bancshares, Inc. (Virginia) has higher upside potential than South Plains Financial, Inc. (Texas), analysts believe First Community Bancshares, Inc. (Virginia) is more attractive than South Plains Financial, Inc. (Texas).

    Company Buy Ratings Hold Ratings Sell Ratings
    SPFI
    South Plains Financial, Inc. (Texas)
    1 1 0
    FCBC
    First Community Bancshares, Inc. (Virginia)
    0 1 0
  • Is SPFI or FCBC More Risky?

    South Plains Financial, Inc. (Texas) has a beta of 0.597, which suggesting that the stock is 40.28% less volatile than S&P 500. In comparison First Community Bancshares, Inc. (Virginia) has a beta of 0.607, suggesting its less volatile than the S&P 500 by 39.301%.

  • Which is a Better Dividend Stock SPFI or FCBC?

    South Plains Financial, Inc. (Texas) has a quarterly dividend of $0.16 per share corresponding to a yield of 1.52%. First Community Bancshares, Inc. (Virginia) offers a yield of 3.58% to investors and pays a quarterly dividend of $1.00 per share. South Plains Financial, Inc. (Texas) pays 19.18% of its earnings as a dividend. First Community Bancshares, Inc. (Virginia) pays out 42.86% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SPFI or FCBC?

    South Plains Financial, Inc. (Texas) quarterly revenues are $75.7M, which are larger than First Community Bancshares, Inc. (Virginia) quarterly revenues of $46.6M. South Plains Financial, Inc. (Texas)'s net income of $16.3M is higher than First Community Bancshares, Inc. (Virginia)'s net income of $12.3M. Notably, South Plains Financial, Inc. (Texas)'s price-to-earnings ratio is 11.63x while First Community Bancshares, Inc. (Virginia)'s PE ratio is 12.91x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for South Plains Financial, Inc. (Texas) is 2.34x versus 3.45x for First Community Bancshares, Inc. (Virginia). Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SPFI
    South Plains Financial, Inc. (Texas)
    2.34x 11.63x $75.7M $16.3M
    FCBC
    First Community Bancshares, Inc. (Virginia)
    3.45x 12.91x $46.6M $12.3M
  • Which has Higher Returns SPFI or TMP?

    Tompkins Financial Corp. has a net margin of 21.56% compared to South Plains Financial, Inc. (Texas)'s net margin of 19.46%. South Plains Financial, Inc. (Texas)'s return on equity of 13.23% beat Tompkins Financial Corp.'s return on equity of 11.34%.

    Company Gross Margin Earnings Per Share Invested Capital
    SPFI
    South Plains Financial, Inc. (Texas)
    -- $0.96 $538.3M
    TMP
    Tompkins Financial Corp.
    -- $1.65 $1.3B
  • What do Analysts Say About SPFI or TMP?

    South Plains Financial, Inc. (Texas) has a consensus price target of $44.50, signalling upside risk potential of 9.12%. On the other hand Tompkins Financial Corp. has an analysts' consensus of $78.00 which suggests that it could grow by 2.43%. Given that South Plains Financial, Inc. (Texas) has higher upside potential than Tompkins Financial Corp., analysts believe South Plains Financial, Inc. (Texas) is more attractive than Tompkins Financial Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    SPFI
    South Plains Financial, Inc. (Texas)
    1 1 0
    TMP
    Tompkins Financial Corp.
    0 1 0
  • Is SPFI or TMP More Risky?

    South Plains Financial, Inc. (Texas) has a beta of 0.597, which suggesting that the stock is 40.28% less volatile than S&P 500. In comparison Tompkins Financial Corp. has a beta of 0.799, suggesting its less volatile than the S&P 500 by 20.13%.

  • Which is a Better Dividend Stock SPFI or TMP?

    South Plains Financial, Inc. (Texas) has a quarterly dividend of $0.16 per share corresponding to a yield of 1.52%. Tompkins Financial Corp. offers a yield of 3.3% to investors and pays a quarterly dividend of $0.65 per share. South Plains Financial, Inc. (Texas) pays 19.18% of its earnings as a dividend. Tompkins Financial Corp. pays out 49.14% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SPFI or TMP?

    South Plains Financial, Inc. (Texas) quarterly revenues are $75.7M, which are smaller than Tompkins Financial Corp. quarterly revenues of $121.7M. South Plains Financial, Inc. (Texas)'s net income of $16.3M is lower than Tompkins Financial Corp.'s net income of $23.7M. Notably, South Plains Financial, Inc. (Texas)'s price-to-earnings ratio is 11.63x while Tompkins Financial Corp.'s PE ratio is 12.91x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for South Plains Financial, Inc. (Texas) is 2.34x versus 2.35x for Tompkins Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SPFI
    South Plains Financial, Inc. (Texas)
    2.34x 11.63x $75.7M $16.3M
    TMP
    Tompkins Financial Corp.
    2.35x 12.91x $121.7M $23.7M

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