SPFI vs CTO-P-A

Comparison between South Plains Financial Inc (SPFI, Company) and CTO Realty Growth Inc (CTO-P-A, Company).

5-Year PerformanceSPFI has outperformed CTO-P-A, delivering a return of +15.5% compared to +3.4%

SPFI vs CTO-P-A - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SPFI(COMPANY)	CTO-P-A(COMPANY)
Market Cap	$716M	$713M
Max Drawdown	46.76%	36.59%
Sharpe Ratio	0.24	0.27
5Y Beta	0.72	0.15
Industry	Banks - Regional	N/A
P/E Ratio	11.75	48.70
PEG Ratio	0.60	N/A
Dividend Yield	1.49%	N/A
5Y Dividends CAGR	44.18%	N/A
5Y EPS CAGR	4.75%	-41.92%
Debt to Equity	0.00%	112.89%
Free Cash Flow Yield	8.61%	9.66%

Market Cap

Winner

SPFI

$716M

CTO-P-A

$713M

Max Drawdown

SPFI

46.76%

Winner

CTO-P-A

36.59%

Sharpe Ratio

SPFI

0.24

Winner

CTO-P-A

0.27

5Y Beta

SPFI

0.72

Winner

CTO-P-A

0.15

Industry

SPFI

Banks - Regional

CTO-P-A

N/A

P/E Ratio

Winner

SPFI

11.75

CTO-P-A

48.70

PEG Ratio

SPFI

0.60

CTO-P-A

N/A

Dividend Yield

SPFI

1.49%

CTO-P-A

N/A

5Y Dividends CAGR

SPFI

44.18%

CTO-P-A

N/A

5Y EPS CAGR

Winner

SPFI

4.75%

CTO-P-A

-41.92%

Debt to Equity

Winner

SPFI

0.00%

CTO-P-A

112.89%

Free Cash Flow Yield

SPFI

8.61%

Winner

CTO-P-A

9.66%

SPFI vs CTO-P-A - Historical Returns

Returns include dividend reinvestment.

Period	SPFI	CTO-P-A
1 month	+6.29%	-0.07%
3 months	+1.87%	+3.68%
6 months	+8.81%	+2.81%
1 year	+9.06%	+6.42%
5 years(CAGR)	+15.52%	+3.37%
Max(CAGR)	+15.25%	+3.60%

Winner

SPFI

+6.29%

CTO-P-A

-0.07%

SPFI

+1.87%

Winner

CTO-P-A

+3.68%

Winner

SPFI

+8.81%

CTO-P-A

+2.81%

Winner

SPFI

+9.06%

CTO-P-A

+6.42%

5Y(CAGR)

Winner

SPFI

+15.52%

CTO-P-A

+3.37%

Max(CAGR)

Winner

SPFI

+15.25%

CTO-P-A

+3.60%

SPFI vs CTO-P-A - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

Year	SPFI	CTO-P-A
2026	+16.51%	+5.10%
2025	+15.74%	-3.43%
2024	+20.74%	+20.99%
2023	+6.47%	+6.90%
2022	+0.48%	-16.73%
2021	+47.98%	+7.10%
2020	-8.88%	N/A
2019	+18.25%	N/A

SPFI vs CTO-P-A Drawdown Comparison

The maximum drawdown for SPFI was -46.50%, occurring on Sep 23, 2020. Recovery took 279 trading sessions.

The maximum drawdown for CTO-P-A was -27.90%, occurring on Oct 27, 2023. Recovery took 649 trading sessions.

The current SPFI drawdown is -3.72%. The current CTO-P-A drawdown is -3.40%.

Rank	SPFI	CTO-P-A
#1	-46.50% Jan 27, 2020 - Mar 5, 2021	-27.90% Jan 25, 2022 - Aug 26, 2024
#2	-38.60% Nov 10, 2022 - Jul 16, 2024	-19.52% Oct 14, 2024 - May 14, 2026
#3	-23.82% Nov 11, 2024 - Jul 17, 2025	-6.35% May 19, 2026 - May 29, 2026
#4	-23.50% Feb 8, 2022 - Oct 13, 2022	-5.56% Sep 10, 2021 - Dec 27, 2021
#5	-15.85% Mar 11, 2021 - Oct 7, 2021	-4.56% Sep 23, 2024 - Oct 11, 2024
#6	-13.50% Jun 5, 2019 - Nov 15, 2019	-3.78% Aug 29, 2024 - Sep 18, 2024
#7	-13.25% Jul 21, 2025 - Jan 21, 2026	-2.93% Jan 6, 2022 - Jan 25, 2022
#8	-12.20% Apr 9, 2026 - Jul 17, 2026	-1.87% Aug 25, 2021 - Sep 2, 2021
#9	-10.49% Jul 23, 2024 - Aug 23, 2024	-1.39% Jul 14, 2021 - Aug 23, 2021
#10	-8.54% Aug 30, 2024 - Oct 16, 2024	-1.23% May 14, 2026 - May 19, 2026
#11	-7.85% Nov 24, 2021 - Dec 17, 2021	-1.07% Dec 27, 2021 - Dec 31, 2021
#12	-7.57% May 21, 2019 - Jun 5, 2019	-0.66% Jul 7, 2021 - Jul 9, 2021
#13	-6.41% Feb 6, 2026 - Apr 8, 2026	-0.51% Jul 2, 2021 - Jul 7, 2021
#14	-5.54% Dec 17, 2021 - Dec 27, 2021	-0.47% Sep 2, 2021 - Sep 10, 2021
#15	-5.21% Jan 22, 2026 - Feb 2, 2026	-0.46% Sep 19, 2024 - Sep 23, 2024