South Plains Financial, Inc. cash flow to debt ratio of 128.10% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

South Plains Financial, Inc.'s free cash flow has increased 28.20% from $56.03M last year to $71.83M, signaling increasing performance

South Plains Financial, Inc.'s debt to equity ratio is 0.10, which means that the company's assets are healthy financed, signaling financial stability.

South Plains Financial, Inc.'s debt has decreased relative to shareholder equity from 0.25 last year to 0.10 today, signaling strengthened financials

South Plains Financial, Inc. has a net cash position, so leverage is healthy.

South Plains Financial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

South Plains Financial, Inc.'s profit margin has increased (22.31%) in the last year from 17.56% to 21.48%, signaling increasing performance

South Plains Financial, Inc.'s short-term liabilities of $3.87B exceed its short-term assets of $1.14B, signaling financial risk

South Plains Financial, Inc.'s return on assets of 1.21% is lower than the 5.00% threshold, indicating inefficient asset utilization

South Plains Financial, Inc.'s return on equity of 12.36%, is lower than 15.00%, indicating bad performance

South Plains Financial, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

South Plains Financial, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

South Plains Financial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

South Plains Financial, Inc. has a free cash flow yield of 8.43%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

South Plains Financial, Inc.'s yearly earnings has increased 17.61% since last year from $49.72M to $58.47M, signaling increasing performance

South Plains Financial, Inc.'s yearly revenue has increased 4.87% since last year from $283.10M to $296.89M, signaling increasing performance

ROIC 8.67% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

South Plains Financial, Inc.'s 3-year revenue CAGR of 8.58% is positive, indicating growing revenue over the past 3 years

South Plains Financial, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

South Plains Financial, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

South Plains Financial, Inc. is undervalued relative to its fair value price of 77.94 based on Discounted Cash Flow model

South Plains Financial, Inc. has an earnings yield of 7.66%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

South Plains Financial, Inc. is overvalued relative to its fair value price of 31.62 based on EBITDA multiple model

South Plains Financial, Inc. has insufficient data to compute enterprise value.

South Plains Financial, Inc. is undervalued relative to its fair value price of 78.23 based on Earnings Fair Value model

South Plains Financial, Inc. has a PEG-ratio over 1 which is considered overvalued

South Plains Financial, Inc. has a price-to-book ratio of 1.35x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

South Plains Financial, Inc. has a price-to-sales ratio of 2.80x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue