ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is South Plains Financial, Inc. (Texas) ?
1
High Profitability with a Net Interest Margin of -2.61%
2
Strong Long Term Fundamental Strength with a 11.94% CAGR growth in Net Profits
3
Positive results in Jun 25
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NII(Q) Highest at USD 42.5 MM
- NET SALES(Q) Highest at USD 64.14 MM
4
With ROA of 0.76%, it has a expensive valuation with a 1.33 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 -3.37%, its profits have fallen by -20.6%
5
High Institutional Holdings at 40.03%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -3.37% returns in the last 1 year, the stock has also underperformed 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)
2.03%
1.62
29.17%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.32%
EBIT Growth (5y)
-10.00%
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
19.18%
Pledged Shares
0
Institutional Holding
40.03%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.33
EV to EBIT
2.37
EV to EBITDA
2.13
EV to Capital Employed
-13.85
EV to Sales
0.56
PEG Ratio
NA
Dividend Yield
0.86%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
11.52%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 42.5 MM
NET SALES(Q)
Highest at USD 64.14 MM
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 82.88%
Here's what is working for South Plains Financial, Inc. (Texas)
NII
Highest at USD 42.5 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 64.14 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
CASA
Highest at 15.12%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for South Plains Financial, Inc. (Texas)
Credit Deposit Ratio
Lowest at 82.88%
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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