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IGR vs SPFI

IGR
CBRE Global Real Estate Income Fund
BEARISH
Price
$4.69
Market Cap
$710.1M
Sector
Financial Services
AI Confidence
85%
SPFI
South Plains Financial, Inc.
NEUTRAL
Price
$43.24
Market Cap
$706.6M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
IGR
39.08
SPFI
12.57
Forward P/E
IGR
--
SPFI
10.2
P/B Ratio
IGR
1.04
SPFI
1.43
P/S Ratio
IGR
17.38
SPFI
3.42
EV/EBITDA
IGR
--
SPFI
--

Profitability

Gross Margin
IGR
100.0%
SPFI
0.0%
Operating Margin
IGR
67.38%
SPFI
36.63%
Profit Margin
IGR
41.75%
SPFI
28.29%
ROE
IGR
2.43%
SPFI
12.54%
ROA
IGR
1.8%
SPFI
1.34%

Growth

Revenue Growth
IGR
-15.3%
SPFI
2.8%
Earnings Growth
IGR
--
SPFI
-7.2%

Financial Health

Debt/Equity
IGR
0.48
SPFI
--
Current Ratio
IGR
0.02
SPFI
--
Quick Ratio
IGR
0.02
SPFI
--

Dividends

Dividend Yield
IGR
15.35%
SPFI
1.57%
Payout Ratio
IGR
600.0%
SPFI
18.02%

AI Verdict

IGR BEARISH

Despite a strong Piotroski F-Score of 7/9 indicating operational health, IGR exhibits severe valuation and sustainability concerns. The stock trades at a significant premium to both its Graham Number ($3.48) and Intrinsic Value ($0.84), while revenue is contracting by 15.30% YoY. Most critically, the 600% dividend payout ratio indicates that the 15.35% yield is fundamentally unsustainable and likely funded by capital returns rather than earnings. The combination of negative growth and a disconnected valuation outweighs the strong deterministic health score.

Strengths
Strong Piotroski F-Score (7/9) suggesting good short-term financial health
Manageable Debt/Equity ratio of 0.48
High profit margins (41.75%) and operating margins (67.38%)
Risks
Unsustainable dividend payout ratio of 600%
Negative revenue growth (-15.30% YoY)
Extreme liquidity risk indicated by a Current Ratio of 0.02
SPFI NEUTRAL

SPFI presents a dichotomy between strong historical performance and current growth deceleration. The deterministic baseline shows a stable Piotroski F-Score of 4/9 and a current price ($43.24) trading below the Graham Number ($48.43), suggesting defensive value. However, this is offset by negative YoY earnings growth (-7.20%) and a severely bearish technical trend (10/100). While the bank maintains a healthy ROE of 12.54% and a consistent track record of beating earnings estimates, the lack of growth momentum warrants a neutral stance.

Strengths
Attractive valuation with a P/E of 12.57, significantly below the sector average
Trading below the Graham Number ($48.43), indicating defensive undervaluation
Strong historical earnings track record with consistent beats over 25 quarters
Risks
Negative earnings growth trend (-7.20% YoY and -7.50% Q/Q)
Stagnant revenue growth (2.80% YoY) limiting expansion potential
Strongly bearish technical trend (10/100) suggesting short-term price pressure

Compare Another Pair

IGR vs SPFI: Head-to-Head Comparison

This page compares CBRE Global Real Estate Income Fund (IGR) and South Plains Financial, Inc. (SPFI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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