ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is South Plains Financial, Inc. (Texas) ?
1
High Profitability with a Net Interest Margin of -6.00%
2
Strong Long Term Fundamental Strength with a 5.21% CAGR growth in Net Profits
3
Flat results in Dec 25
- CREDIT DEPOSIT RATIO(HY) Lowest at 81.17%
4
With ROA of 0.86%, it has a expensive 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 22.06%, its profits have risen by 17.6% ; the PEG ratio of the company is 0.6
5
High Institutional Holdings at 44.3%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.04% over the previous quarter.
6
Market Beating performance in long term as well as near term
- Along with generating 22.06% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
South Plains Financial, Inc. (Texas)
30.02%
2.15
27.40%
S&P 500
30.64%
0.62
19.30%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.76%
EBIT Growth (5y)
-16.28%
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
18.02%
Pledged Shares
0
Institutional Holding
44.30%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.36
EV to EBIT
2.42
EV to EBITDA
2.27
EV to Capital Employed
-20.79
EV to Sales
0.67
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 Trend3What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 81.17%
Here's what is working for South Plains Financial, Inc. (Texas)
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)
Here's what is not working for South Plains Financial, Inc. (Texas)
Credit Deposit Ratio
Lowest at 81.17%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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