South Plains Financial, Inc. (Texas) (SPFI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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South Plains Financial, Inc. (Texas)

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Cantaloupe, Inc.

Midland States Bancorp, Inc.

Cambridge Bancorp

Why is South Plains Financial, Inc. (Texas) ?

High Profitability with a Net Interest Margin of -6.11%

Strong Long Term Fundamental Strength with a 5.21% CAGR growth in Net Profits

Positive results in Mar 26

OPERATING CASH FLOW(Y) Highest at USD 81.77 MM
GROSS NPA (%)(Q) Lowest at 0.16%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.81%, it has a fair valuation with a 1.36 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 13.73%, its profits have risen by 17.6% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 45.76%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.46% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to South Plains Financial, Inc. (Texas) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is South Plains Financial, Inc. (Texas) for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

South Plains Financial, Inc. (Texas)

13.73%

2.13

27.65%

S&P 500

22.99%

1.78

12.93%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.76%

EBIT Growth (5y)

-16.50%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

18.01%

Pledged Shares

Institutional Holding

45.76%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.36

EV to EBIT

2.40

EV to EBITDA

2.21

EV to Capital Employed

-9.95

EV to Sales

0.65

PEG Ratio

0.62

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

11.84%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Bullish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 81.77 MM

GROSS NPA (%)

DIVIDEND PER SHARE(HY)

Highest at USD 0

-2What is not working for the Company

CREDIT DEPOSIT RATIO(HY)

Lowest at 77.06%

Here's what is working for South Plains Financial, Inc. (Texas)

Operating Cash Flow

Highest at USD 81.77 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Lowest at 0.16%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Depreciation

Highest at USD 1.5 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (USD MM)

Here's what is not working for South Plains Financial, Inc. (Texas)

Credit Deposit Ratio

Lowest at 77.06% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)