SmartFinancial, Inc. (SMBK) vs South Plains Financial, Inc. (SPFI)
SmartFinancial, Inc. and South Plains Financial, Inc. are both Banks Regional companies. SmartFinancial, Inc. and South Plains Financial, Inc. are of similar size ($860.1M and $807.3M). South Plains Financial, Inc. trades at the lower P/E: 11.3× against 14.7×. SmartFinancial, Inc. grew revenue faster over the last twelve months: 11.1% against 6.59%. South Plains Financial, Inc. has the higher net margin (20.8% vs 17.1%) and the lower return on invested capital (0.00% vs 15.2%). Both pay a dividend; South Plains Financial, Inc. yields more (2.08% vs 1.56%). Across the 20 metrics below, South Plains Financial, Inc. leads on 14 and SmartFinancial, Inc. on 6.
Valuation
Profitability
| Metric | SMBK | SPFI | Banks Regional median |
|---|---|---|---|
| Gross margin | 63.90% | 72.40% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 17.12% | 20.79% | 18.66% |
| Free cash flow margin | 20.12% | 24.14% | 21.18% |
| Return on equity | 10.47% | 12.01% | 10.64% |
| Return on assets | 0.99% | 1.33% | 1.13% |
| Return on invested capital | 15.22% | 0.00% | 8.33% |
Growth
Health
Dividend
Size
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