DDM Analysis: SPFI

Valuation Snapshot

Stable Growth	$109.94 - $503.64	$193.11
Multi-Stage	$66.48 - $72.72	$69.55
Blended Fair Value	$131.33
Current Price	$38.65
Upside	239.78%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017
DPS	53.36%	0.00%	0.54	0.51	0.47	0.32	0.15	0.06	1.76	0.46	0.00	0.00
YoY Growth	-	-	4.68%	9.15%	48.78%	113.01%	134.29%	-96.41%	281.57%	0.00%	0.00%	0.00%
Dividend Yield	-	-	1.62%	2.00%	2.20%	1.19%	0.65%	0.41%	9.96%	2.61%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	59.71
(-) Cash Dividends Paid (M)	9.95
(=) Cash Retained (M)	49.76

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	11.94	7.46	4.48
Cash Retained (M)	49.76	49.76	49.76
(-) Cash Required (M)	-11.94	-7.46	-4.48
(=) Excess Retained (M)	37.82	42.30	45.28
(/) Shares Outstanding (M)	17.03	17.03	17.03
(=) Excess Retained per Share	2.22	2.48	2.66
LTM Dividend per Share	0.58	0.58	0.58
(+) Excess Retained per Share	2.22	2.48	2.66
(=) Adjusted Dividend	2.81	3.07	3.24
WACC / Discount Rate	8.19%	8.19%	8.19%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$109.94	$193.11	$503.64
Upside / Downside	184.45%	399.63%	1,203.09%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	59.71	63.60	67.73	72.13	76.82	81.81	84.27
Payout Ratio	16.67%	31.34%	46.00%	60.67%	75.33%	90.00%	92.50%
Projected Dividends (M)	9.95	19.93	31.16	43.76	57.87	73.63	77.95

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.19%	8.19%	8.19%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	18.25	18.42	18.59
Year 2 PV (M)	26.12	26.62	27.12
Year 3 PV (M)	33.59	34.55	35.54
Year 4 PV (M)	40.67	42.24	43.84
Year 5 PV (M)	47.38	49.67	52.04
PV of Terminal Value (M)	965.97	1,012.62	1,061.06
Equity Value (M)	1,131.97	1,184.12	1,238.20
Shares Outstanding (M)	17.03	17.03	17.03
Fair Value	$66.48	$69.55	$72.72
Upside / Downside	72.01%	79.94%	88.16%

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Financial Statements

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Sector

South Plains Financial, Inc. (SPFI)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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