Financhill
Buy
57

SPFI Quote, Financials, Valuation and Earnings

Last price:
$39.65
Seasonality move :
-3.32%
Day range:
$39.54 - $40.29
52-week range:
$30.01 - $42.38
Dividend yield:
1.57%
P/E ratio:
11.27x
P/S ratio:
2.27x
P/B ratio:
1.34x
Volume:
65.8K
Avg. volume:
50.9K
1-year change:
12.01%
Market cap:
$642.4M
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)
$54.1M $0.86 -27.5% -8.98% $44.00
BHB
Bar Harbor Bankshares
$41.4M $0.83 -24.74% 22.79% $35.00
FBNC
First Bancorp (North Carolina)
$113.8M $0.92 12.08% 1113.54% $59.75
PRK
Park National Corp.
$140.1M $2.74 -13.63% 18.03% $180.33
RNST
Renasant Corp.
$271.2M $0.78 6.65% 14.53% $42.43
TMP
Tompkins Financial Corp.
$87M $1.70 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)
$39.54 $44.00 $642.4M 11.27x $0.16 1.57% 2.27x
BHB
Bar Harbor Bankshares
$32.01 $35.00 $534.2M 13.80x $0.32 3.94% 2.14x
FBNC
First Bancorp (North Carolina)
$52.28 $59.75 $2.2B 21.91x $0.23 1.72% 4.03x
PRK
Park National Corp.
$158.59 $180.33 $2.5B 14.61x $2.32 2.7% 3.90x
RNST
Renasant Corp.
$36.10 $42.43 $3.4B 18.19x $0.23 2.47% 2.20x
TMP
Tompkins Financial Corp.
$73.99 $78.00 $1.1B 12.55x $0.65 3.39% 2.28x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
SPFI
South Plains Financial, Inc. (Texas)
11.24% 0.889 9.63% 0.00x
BHB
Bar Harbor Bankshares
26.95% 0.833 37.81% 0.00x
FBNC
First Bancorp (North Carolina)
6.26% 0.819 4.88% 0.00x
PRK
Park National Corp.
6.69% 1.119 3.65% 0.00x
RNST
Renasant Corp.
23.34% 1.101 33.23% 0.00x
TMP
Tompkins Financial Corp.
39.99% 1.042 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
BHB
Bar Harbor Bankshares
-- $10.8M 4.95% 7.61% 45.12% $18.1M
FBNC
First Bancorp (North Carolina)
-- $26M 6.06% 6.48% 51.54% $42.3M
PRK
Park National Corp.
-- $58.1M 11.44% 13.78% 50.75% $45.1M
RNST
Renasant Corp.
-- $92.8M 3.78% 4.69% 51.26% $120.1M
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 BHB?

    Bar Harbor Bankshares has a net margin of 21.56% compared to South Plains Financial, Inc. (Texas)'s net margin of 13.32%. South Plains Financial, Inc. (Texas)'s return on equity of 13.23% beat Bar Harbor Bankshares's return on equity of 7.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    SPFI
    South Plains Financial, Inc. (Texas)
    -- $0.96 $538.3M
    BHB
    Bar Harbor Bankshares
    -- $0.54 $713.1M
  • What do Analysts Say About SPFI or BHB?

    South Plains Financial, Inc. (Texas) has a consensus price target of $44.00, signalling upside risk potential of 11.28%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $35.00 which suggests that it could grow by 7.99%. Given that South Plains Financial, Inc. (Texas) has higher upside potential than Bar Harbor Bankshares, analysts believe South Plains Financial, Inc. (Texas) is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    SPFI
    South Plains Financial, Inc. (Texas)
    1 1 0
    BHB
    Bar Harbor Bankshares
    0 1 0
  • Is SPFI or BHB More Risky?

    South Plains Financial, Inc. (Texas) has a beta of 0.609, which suggesting that the stock is 39.136% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.654, suggesting its less volatile than the S&P 500 by 34.574%.

  • Which is a Better Dividend Stock SPFI or BHB?

    South Plains Financial, Inc. (Texas) has a quarterly dividend of $0.16 per share corresponding to a yield of 1.57%. Bar Harbor Bankshares offers a yield of 3.94% to investors and pays a quarterly dividend of $0.32 per share. South Plains Financial, Inc. (Texas) pays 19.18% of its earnings as a dividend. Bar Harbor Bankshares pays out 41.49% 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 BHB?

    South Plains Financial, Inc. (Texas) quarterly revenues are $75.7M, which are larger than Bar Harbor Bankshares quarterly revenues of $66.5M. South Plains Financial, Inc. (Texas)'s net income of $16.3M is higher than Bar Harbor Bankshares's net income of $8.9M. Notably, South Plains Financial, Inc. (Texas)'s price-to-earnings ratio is 11.27x while Bar Harbor Bankshares's PE ratio is 13.80x. 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 2.27x versus 2.14x for Bar Harbor Bankshares. 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)
    2.27x 11.27x $75.7M $16.3M
    BHB
    Bar Harbor Bankshares
    2.14x 13.80x $66.5M $8.9M
  • 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 $44.00, signalling upside risk potential of 11.28%. On the other hand First Bancorp (North Carolina) has an analysts' consensus of $59.75 which suggests that it could grow by 14.29%. Given that First Bancorp (North Carolina) has higher upside potential than South Plains Financial, Inc. (Texas), analysts believe First Bancorp (North Carolina) 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
    FBNC
    First Bancorp (North Carolina)
    1 2 0
  • Is SPFI or FBNC More Risky?

    South Plains Financial, Inc. (Texas) has a beta of 0.609, which suggesting that the stock is 39.136% less volatile than S&P 500. In comparison First Bancorp (North Carolina) has a beta of 0.901, suggesting its less volatile than the S&P 500 by 9.869%.

  • 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 1.57%. First Bancorp (North Carolina) offers a yield of 1.72% 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 11.27x while First Bancorp (North Carolina)'s PE ratio is 21.91x. 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 2.27x versus 4.03x 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)
    2.27x 11.27x $75.7M $16.3M
    FBNC
    First Bancorp (North Carolina)
    4.03x 21.91x $131.3M $20.3M
  • Which has Higher Returns SPFI or PRK?

    Park National Corp. has a net margin of 21.56% compared to South Plains Financial, Inc. (Texas)'s net margin of 27.82%. South Plains Financial, Inc. (Texas)'s return on equity of 13.23% beat Park National Corp.'s return on equity of 13.78%.

    Company Gross Margin Earnings Per Share Invested Capital
    SPFI
    South Plains Financial, Inc. (Texas)
    -- $0.96 $538.3M
    PRK
    Park National Corp.
    -- $2.92 $1.4B
  • What do Analysts Say About SPFI or PRK?

    South Plains Financial, Inc. (Texas) has a consensus price target of $44.00, signalling upside risk potential of 11.28%. On the other hand Park National Corp. has an analysts' consensus of $180.33 which suggests that it could grow by 13.71%. Given that Park National Corp. has higher upside potential than South Plains Financial, Inc. (Texas), analysts believe Park National Corp. 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
    PRK
    Park National Corp.
    0 4 0
  • Is SPFI or PRK More Risky?

    South Plains Financial, Inc. (Texas) has a beta of 0.609, which suggesting that the stock is 39.136% less volatile than S&P 500. In comparison Park National Corp. has a beta of 0.734, suggesting its less volatile than the S&P 500 by 26.635%.

  • Which is a Better Dividend Stock SPFI or PRK?

    South Plains Financial, Inc. (Texas) has a quarterly dividend of $0.16 per share corresponding to a yield of 1.57%. Park National Corp. offers a yield of 2.7% to investors and pays a quarterly dividend of $2.32 per share. South Plains Financial, Inc. (Texas) pays 19.18% of its earnings as a dividend. Park National Corp. pays out 45.49% 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 PRK?

    South Plains Financial, Inc. (Texas) quarterly revenues are $75.7M, which are smaller than Park National Corp. quarterly revenues of $169.5M. South Plains Financial, Inc. (Texas)'s net income of $16.3M is lower than Park National Corp.'s net income of $47.2M. Notably, South Plains Financial, Inc. (Texas)'s price-to-earnings ratio is 11.27x while Park National Corp.'s PE ratio is 14.61x. 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 2.27x versus 3.90x for Park National 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)
    2.27x 11.27x $75.7M $16.3M
    PRK
    Park National Corp.
    3.90x 14.61x $169.5M $47.2M
  • Which has Higher Returns SPFI or RNST?

    Renasant Corp. has a net margin of 21.56% compared to South Plains Financial, Inc. (Texas)'s net margin of 15.11%. South Plains Financial, Inc. (Texas)'s return on equity of 13.23% beat Renasant Corp.'s return on equity of 4.69%.

    Company Gross Margin Earnings Per Share Invested Capital
    SPFI
    South Plains Financial, Inc. (Texas)
    -- $0.96 $538.3M
    RNST
    Renasant Corp.
    -- $0.63 $5B
  • What do Analysts Say About SPFI or RNST?

    South Plains Financial, Inc. (Texas) has a consensus price target of $44.00, signalling upside risk potential of 11.28%. On the other hand Renasant Corp. has an analysts' consensus of $42.43 which suggests that it could grow by 17.53%. Given that Renasant Corp. has higher upside potential than South Plains Financial, Inc. (Texas), analysts believe Renasant Corp. 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
    RNST
    Renasant Corp.
    4 1 0
  • Is SPFI or RNST More Risky?

    South Plains Financial, Inc. (Texas) has a beta of 0.609, which suggesting that the stock is 39.136% less volatile than S&P 500. In comparison Renasant Corp. has a beta of 0.987, suggesting its less volatile than the S&P 500 by 1.307%.

  • Which is a Better Dividend Stock SPFI or RNST?

    South Plains Financial, Inc. (Texas) has a quarterly dividend of $0.16 per share corresponding to a yield of 1.57%. Renasant Corp. offers a yield of 2.47% 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. Renasant Corp. pays out 26.9% 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 RNST?

    South Plains Financial, Inc. (Texas) quarterly revenues are $75.7M, which are smaller than Renasant Corp. quarterly revenues of $395.7M. South Plains Financial, Inc. (Texas)'s net income of $16.3M is lower than Renasant Corp.'s net income of $59.8M. Notably, South Plains Financial, Inc. (Texas)'s price-to-earnings ratio is 11.27x while Renasant Corp.'s PE ratio is 18.19x. 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 2.27x versus 2.20x for Renasant 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)
    2.27x 11.27x $75.7M $16.3M
    RNST
    Renasant Corp.
    2.20x 18.19x $395.7M $59.8M
  • 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 $44.00, signalling upside risk potential of 11.28%. On the other hand Tompkins Financial Corp. has an analysts' consensus of $78.00 which suggests that it could grow by 5.42%. 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 0.609, which suggesting that the stock is 39.136% less volatile than S&P 500. In comparison Tompkins Financial Corp. has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.709%.

  • 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 1.57%. Tompkins Financial Corp. offers a yield of 3.39% 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 11.27x while Tompkins Financial Corp.'s PE ratio is 12.55x. 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 2.27x versus 2.28x 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)
    2.27x 11.27x $75.7M $16.3M
    TMP
    Tompkins Financial Corp.
    2.28x 12.55x $121.7M $23.7M

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