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SPFI vs VEL

Comparison between South Plains Financial Inc (SPFI, Company) and Velocity Financial Inc (VEL, Company).

Both SPFI and VEL are from the Financial Services sector.

5-Year PerformanceSPFI has outperformed VEL, delivering a return of +13.9% compared to +6.0%

SPFI vs VEL - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
SPFI
$684M
VEL
$684M
Max Drawdown
Winner
SPFI
46.76%
VEL
83.13%
Sharpe Ratio
Winner
SPFI
0.53
VEL
-0.38
5Y Beta
SPFI
0.76
Winner
VEL
0.35
Industry
SPFI
Banks - Regional
VEL
Mortgage Finance
P/E Ratio
Winner
SPFI
11.22
VEL
17.59
PEG Ratio
SPFI
0.58
Winner
VEL
0.33
Dividend Yield
SPFI
1.54%
VEL
N/A
5Y Dividends CAGR
SPFI
44.18%
VEL
N/A
5Y EPS CAGR
SPFI
4.75%
Winner
VEL
11.42%
Debt to Equity
SPFI
0.00%
VEL
0.00%
Free Cash Flow Yield
Winner
SPFI
9.02%
VEL
3.87%
P/S Ratio
SPFI
3.78
Winner
VEL
2.52
P/B Ratio
SPFI
1.59
Winner
VEL
0.99

SPFI vs VEL - Historical Returns

Returns include dividend reinvestment.

1M
Winner
SPFI
+7.57%
VEL
+0.92%
3M
Winner
SPFI
+4.56%
VEL
-1.29%
6M
Winner
SPFI
+3.75%
VEL
-10.36%
1Y
Winner
SPFI
+18.22%
VEL
-8.54%
5Y(CAGR)
Winner
SPFI
+13.89%
VEL
+5.95%
Max(CAGR)
Winner
SPFI
+14.81%
VEL
+4.18%

SPFI vs VEL - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

YearSPFIVEL
2026+11.56%-10.13%
2025+15.74%+8.58%
2024+20.74%+20.22%
2023+6.47%+81.26%
2022+0.48%-28.94%
2021+47.98%+123.56%
2020-8.88%-53.89%
2019+18.25%N/A

SPFI vs VEL Drawdown Comparison

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

The maximum drawdown for VEL was -83.13%, occurring on Apr 3, 2020. Recovery took 941 trading sessions.

The current SPFI drawdown is -4.58%. The current VEL drawdown is -15.41%.

RankSPFIVEL
#1-46.50%
Jan 27, 2020 - Mar 5, 2021
-83.13%
Feb 20, 2020 - Nov 14, 2023
#2-38.60%
Nov 10, 2022 - Jul 16, 2024
-22.09%
Nov 14, 2023 - Mar 18, 2024
#3-23.82%
Nov 11, 2024 - Jul 17, 2025
-21.48%
Dec 16, 2024 - May 9, 2025
#4-23.50%
Feb 8, 2022 - Oct 13, 2022
-13.14%
Mar 21, 2024 - May 31, 2024
#5-15.85%
Mar 11, 2021 - Oct 7, 2021
-6.83%
Jul 16, 2024 - Sep 5, 2024
#6-13.50%
Jun 5, 2019 - Nov 15, 2019
-5.08%
Sep 19, 2024 - Nov 12, 2024
#7-13.25%
Jul 21, 2025 - Jan 21, 2026
-4.07%
Jun 5, 2024 - Jul 11, 2024
#8-12.20%
Apr 9, 2026 - May 13, 2026
-3.51%
Mar 18, 2024 - Mar 21, 2024
#9-10.49%
Jul 23, 2024 - Aug 23, 2024
-3.33%
Jan 21, 2020 - Jan 29, 2020
#10-8.54%
Aug 30, 2024 - Oct 16, 2024
-3.30%
Jan 30, 2020 - Feb 12, 2020
#11-7.85%
Nov 24, 2021 - Dec 17, 2021
-2.21%
Nov 12, 2024 - Nov 25, 2024
#12-7.57%
May 21, 2019 - Jun 5, 2019
-0.97%
Dec 4, 2024 - Dec 11, 2024
#13-6.41%
Feb 6, 2026 - Apr 8, 2026
-0.97%
Dec 11, 2024 - Dec 16, 2024
#14-5.54%
Dec 17, 2021 - Dec 27, 2021
-0.69%
Feb 13, 2020 - Feb 20, 2020
#15-5.21%
Jan 22, 2026 - Feb 2, 2026
-0.54%
May 31, 2024 - Jun 4, 2024

Correlation

Correlation between SPFI and VEL is 0.88 which considered as a strong positive correlation - the stocks tend to move together.

0.88
-101

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