South Plains Financial, Inc. (SPFI)

South Plains Financial Financials Overview

Financials in millions USD. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	234.58	206.69	190.87	210.95	217.24	221.15
Revenue Growth	14.29%	8.29%	-9.52%	-2.89%	-1.77%	11.51%
Net Income Net Income Growth	69.56	58.47	49.72	62.75	58.24	58.61
Earnings Per Share EPS Growth	3.79	3.44	2.92	3.62	3.23	3.17
EPS Growth	7.90%	17.81%	-19.34%	12.07%	1.89%	28.34%

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	786.53	561.04	373.71	345.85	254.51	492.61
Total Debt Total Debt Growth	60.62	68.49	119.27	120.23	131.38	122.7
Net Cash (Debt) Net Cash Growth	725.91	492.55	254.44	225.62	123.13	369.91
Net Cash Growth	24.30%	93.58%	12.77%	83.24%	-66.71%	367.34%
Net Cash Per Share Net Cash Per Share Growth	39.55	29.00	14.94	13.02	6.83	20.00

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	87.4	77.49	59.38	58.54	123.59	96.27
Capital Expenditures CapEx Growth	-3.87	-5.66	-3.35	-4.68	-4.47	-2.92
Free Cash Flow Free Cash Flow Growth	83.53	71.83	56.03	53.86	119.12	93.35
Free Cash Flow Growth	31.37%	28.20%	4.03%	-54.79%	27.61%	3928.96%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	29.65%	28.29%	26.05%	29.74%	26.81%	26.50%
FCF Margin	35.61%	34.75%	29.35%	25.53%	54.83%	42.21%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov 15, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.720	0.620	0.560	0.520	0.460	0.300
Dividend Per Share Growth	14.52%	10.71%	7.69%	13.04%	53.33%	114.29%
Dividend Yield	1.69%	1.60%	1.62%	1.79%	1.67%	1.08%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov 15, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	11.27	10.78	11.46	7.61	8.04	8.44
Forward PE	10.46	10.75	13.00	12.09	10.93	11.94
P/FCF Ratio	9.62	8.78	10.16	8.86	3.93	5.30
PS Ratio	3.43	3.05	2.98	2.26	2.15	2.24

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 13, 2026

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