COMP <GO>
SPFI vs IBCP // OPERATING MARGIN
South Plains Financial Inc. (NASDAQ) VS. Independent Bank Corporation (NASDAQ) • 15-METRIC TALLY: SPFI 3
— IBCP 3
■ METRIC PARITY
LAST: $44.19 (+1.05%) • MKT CAP: $832.5M
operating-margins
—
LAST: $37.10 (+0.49%) • MKT CAP: $819.2M
operating-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SPFI VS. IBCP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SPFI | IBCP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.80% | 13.60% | -1.80 | IBCP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.63% | 8.57% | +0.06 | SPFI | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 0.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.21% | 2.64% | -1.43 | IBCP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.8 | 53.3 | +2.54 | SPFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.2x | 11.2x | +2.00 | IBCP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $832.5M | $819.2M | $13.3M | SPFI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SPFI REV | IBCP REV | SPFI GROSS % | IBCP GROSS % | SPFI FCF | IBCP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $32.1M | — | — | $71.8M | $70.2M |
| FY 2024 | $0 | $32.0M | — | — | $56.0M | $55.2M |
| FY 2023 | $0 | $32.9M | — | — | $58.5M | $75.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SPFI // BETA —
IBCP // BETA —