SPFI PEER ANALYSIS

South Plains Financial Inc — metric-by-metric comparison with peers and the industry median

SPFISouth Plains Financial Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

SPFIIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	SPFI	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
P/E	11.98	9.10	2.96●	13.24	21.63	116.70	12.88
P/B	1.44	1.40	0.71	1.39	3.42	0.68●	1.28
EV/EBITDA	-0.81	-8.48●	2.20	14.73	2.96	306.43	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SPFI	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Current Ratio	0.22	0.25●	—	0.12	—	0.01	0.31
Debt/Equity	12.0%	17.0%	0.0%●	209.8%	0.0%●	744.5%	38.0%
NetDebt/EBITDA	-9.62	-14.68●	-0.47	5.39	-13.41	280.57	-0.58

Profitability
Metric	SPFI	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Net Margin	20.3%	20.1%	54.9%●	25.9%	14.2%	1.4%	20.6%
ROE	12.8%	14.9%	27.4%●	10.6%	17.5%	1.0%	10.9%
ROA	1.3%	0.8%	3.7%●	0.5%	1.2%	0.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	SPFI	NWG	TSKB	LLOY	SKBNK	LB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	18.7%●	16.0%	-1.3%	16.2%	8.1%	-80.9%	19.4%
Div. Yield	1.5%	4.8%●	—	3.2%	—	4.7%	2.5%
Payout	17.1%	—	—	—	—	335.1%	31.4%

Valuation
Metric	SPFI	CARE	IBCP	HIFS	SHBI	WASH	Ind. Median
P/E	11.98	6.53●	10.64	12.91	12.03	13.05	12.88
P/B	1.44	1.40	1.46	1.35	1.25●	1.26	1.28
EV/EBITDA	-0.81●	—	8.33	30.30	8.29	18.12	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SPFI	CARE	IBCP	HIFS	SHBI	WASH	Ind. Median
Current Ratio	0.22	0.14	61.78	70.28●	42.84	—	0.31
Debt/Equity	12.0%●	—	14.5%	292.9%	16.5%	116.6%	38.0%
NetDebt/EBITDA	-9.62●	—	0.28	20.74	0.57	8.42	-0.58

Profitability
Metric	SPFI	CARE	IBCP	HIFS	SHBI	WASH	Ind. Median
Net Margin	20.3%	33.8%●	22.5%	22.1%	18.2%	13.9%	20.6%
ROE	12.8%	23.9%●	14.3%	10.9%	10.9%	9.9%	10.9%
ROA	1.3%	2.3%●	1.3%	1.1%	1.0%	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	SPFI	CARE	IBCP	HIFS	SHBI	WASH	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	18.7%	291.0%●	5.2%	76.7%	27.0%	—	19.4%
Div. Yield	1.5%	—	2.9%	0.8%	2.1%	6.1%●	2.5%
Payout	17.1%	—	31.4%	14.0%	25.6%	82.1%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.