South Plains Financial vs First Financial
SPFI and THFF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How SPFI and THFF compare
South Plains Financial and First Financial are about the same size, with market caps of $811M and $917M.
On earnings, First Financial is cheaper: it trades at 10.0× trailing earnings, against 11.4× for South Plains Financial.
South Plains Financial grew revenue faster over the last twelve months (13.3% versus 12.8% for First Financial).
First Financial keeps more of each dollar of sales as profit, with a net margin of 32.0% compared with 29.3% at South Plains Financial.
Both pay dividends: South Plains Financial yields 1.6% and First Financial 2.9%.
First Financial scores higher on the StockData Score (15 against 13 for South Plains Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | SPFI | THFF |
|---|---|---|
| Size and price | ||
| Market cap | $811M | $917M |
| Share price | $43.04 | $77.11 |
| Change, 1 year | 15.2% | 35.4% |
| Change, 5 years | 64.3% | 73.2% |
| Beta (5Y) | 0.54 | 0.55 |
| Employees | 603 | 946 |
| StockData Score | ||
| Total score | 13 | 15 (better) |
| Valuation score | 2 | 2 |
| Growth score | 2 | 2 |
| Performance score | 4 | 5 (better) |
| Health score | 2 | 3 (better) |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 11.4× | 10.0× (better) |
| P/S | 3.4× | 3.2× (better) |
| P/B | 1.3× (better) | 1.4× |
| P/FCF | 9.7× | 9.0× (better) |
| PEG | 5.38 | 2.13 (better) |
| FCF yield | 10.3% | 11.1% (better) |
| Fair value | $41.09 | $74.64 |
| Margin of safety | −4.7% | −3.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 13.3% (better) | 12.8% |
| Revenue growth, 5Y average | −1.1% | 6.8% (better) |
| Net income growth (TTM) | 16.5% | 23.6% (better) |
| EPS growth (TTM) | 7.7% | 23.4% (better) |
| EPS growth, 5Y average | 6.8% | 11.2% (better) |
| Profitability | ||
| Net margin | 29.3% | 32.0% (better) |
| FCF margin | 35.1% | 35.8% (better) |
| Return on equity | 12.6% | 14.3% (better) |
| Financial health | ||
| Altman Z-score | 0.27 | 0.33 (better) |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 2.9% (better) |
| Payout ratio | 17.3% | 28.4% |
| Years of dividend growth | 6 (better) | 2 |
| Dividend growth, 5Y average | 34.7% (better) | 14.8% |
| Buyback yield | 1.5% (better) | 0.04% |
| Shareholder yield | 3.2% (better) | 2.9% |
| Ownership | ||
| Held by institutions | 46.5% | 81.6% |
| Held by insiders | 22.0% | 8.6% |
| Insider net buying, 12 months | −$15.1M | −$128K (better) |
| Short interest, % of float | 4.3% | 3.8% |
Go deeper
- SPFI stock overview
- SPFI income statement
- SPFI valuation and score
- THFF stock overview
- THFF income statement
- THFF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.