← SOUTH PLAINS FINANCIAL, INC. SPFI
Market Price
$45.56
Market Cap
$859.63M
P/E Ratio
N/A
Revenue (FY 2025)
↓-8.7% YoY
$9.61M
3-Yr CAGR: -22.7%
Net Income
↑17.6% YoY
$58.47M
Net Margin: 608.8%
Free Cash Flow
↑28.2% YoY
$71.83M
FCF Yield: 8.36%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
11.8%
ROA: 1.3%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (SPFI)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2019: Revenue YoY (+19.4%) is identical to Gross Profit YoY (+19.4%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (+170.1%) is identical to Gross Profit YoY (+170.1%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2021: Revenue YoY (-19.4%) is identical to Gross Profit YoY (-19.4%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (-59.4%) is identical to Gross Profit YoY (-59.4%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (-46.9%) is identical to Gross Profit YoY (-46.9%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (-4.6%) is identical to Gross Profit YoY (-4.6%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (-8.7%) is identical to Gross Profit YoY (-8.7%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2018 | $19.7M | — | $19.7M | $29.3M | — | — | — | $26.9M | $23.8M | — |
| FY 2019 | $23.5M | +19.4% | $23.5M | $29.2M | -0.2% | — | — | $30.5M | $26.5M | +11.4% |
| FY 2020 | $63.5M | +170.1% | $63.5M | $45.4M | +55.2% | — | — | $5.6M | $2.3M | -91.3% |
| FY 2021 | $51.2M | -19.4% | $51.2M | $58.6M | +29.2% | — | — | $96.3M | $93.4M | +3,929.0% |
| FY 2022 | $20.8M | -59.4% | $20.8M | $58.2M | -0.6% | — | — | $123.6M | $119.1M | +27.6% |
| FY 2023 | $11.0M | -46.9% | $11.0M | $62.7M | +7.7% | — | — | $58.5M | $53.9M | -54.8% |
| FY 2024 | $10.5M | -4.6% | $10.5M | $49.7M | -20.8% | — | — | $59.4M | $56.0M | +4.0% |
| FY 2025 | $9.6M | -8.7% | $9.6M | $58.5M | +17.6% | — | — | $77.5M | $71.8M | +28.2% |
Valuation
Market Price
$45.56
Market Cap
$859.63M
Enterprise Value
N/A
P/E Ratio
N/A
P/B Ratio
1.74
FCF Yield
8.36%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
6.75%
Operating Margin
1,379.95%
Net Margin
608.76%
Return on Equity (ROE)
11.84%
Return on Assets (ROA)
1.31%
Asset Turnover
0.00x
Revenue 3-Yr CAGR
-22.66%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$552.44M
Total Debt
N/A
Book Value / Share
$26.21
Cash Flow Efficiency
Operating Cash Flow
$77.49M
Capital Expenditures (CapEx)
$5.66M
Free Cash Flow
$71.83M
OCF / Revenue
806.77%
FCF / Revenue
747.83%
FCF 3-Yr CAGR
-15.52%
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$26.21
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$4.48B
Total Liabilities
$4.48B
Stockholders' Equity
$493.84M
Current Assets
N/A
Current Liabilities
N/A