ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is South Plains Financial, Inc. (Texas) ?
1
High Profitability with a Net Interest Margin of -6.11%
2
Strong Long Term Fundamental Strength with a 5.21% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 2 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 86.22 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NII(Q) Highest at USD 50.35 MM
4
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 7.95%, its profits have risen by 17.6% ; the PEG ratio of the company is 0.6
5
High Institutional Holdings at 45.71%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow 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)
7.95%
2.85
24.18%
S&P 500
15.36%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.76%
EBIT Growth (5y)
-16.50%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
18.01%
Pledged Shares
0
Institutional Holding
45.76%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
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
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
11.84%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 86.22 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 50.35 MM
NET SALES(Q)
Highest at USD 75 MM
OPERATING PROFIT(Q)
Highest at USD 24.28 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32.37 %
PRE-TAX PROFIT(Q)
Highest at USD 24.28 MM
NET PROFIT(Q)
Highest at USD 18.99 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for South Plains Financial, Inc. (Texas)
Operating Cash Flow
Highest at USD 86.22 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
NII
Highest at USD 50.35 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 75 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 24.28 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 32.37 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 24.28 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 18.99 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Here's what is not working for South Plains Financial, Inc. (Texas)
Capital Adequacy Ratio
Lowest at 12.2%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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