South Plains Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	58.47	49.72	62.75	58.24	58.61
Depreciation & Amortization	8.53	9.35	9.79	11.04	10.95
Provision for Credit Losses	5.3	4.41	4.75	-2.62	-1.92
Stock-Based Compensation	2.62	2.32	2.16	2.75	1.64
Net Change in Loans Held-for-Sale	9.47	-7	14.43	43.04	25.77
Other Adjustments	0.38	-1.58	-29.5	-4.71	-1.98
Changes in Accrued Interest and Accounts Receivable	2.96	1.42	-8.5	-1.07	3.38
Changes in Accrued Expenses	-10.24	0.74	2.66	16.92	-0.19
Operating Cash Flow	77.49	59.38	58.54	123.59	96.27
Operating Cash Flow Growth	30.50%	1.44%	-52.63%	28.38%	1610.88%
Net Change in Loans Held-for-Investment	-95.8	-46.29	-270.2	-311.46	-218.46
Net Change in Securities and Investments	28.86	33.16	93.04	-95.46	58.78
Proceeds from Business Divestments	-	-	36.08	-	-
Capital Expenditures	-5.66	-3.35	-4.68	-4.47	-2.92
Sale of Property, Plant & Equipment	2.26	0.38	0.97	0.48	1.46
Other Investing Activities	2.12	2.18	1.42	2.05	1.3
Investing Cash Flow	-68.23	-13.93	-143.38	-408.86	-159.84
Net Change in Deposits	253.2	-5.28	219.72	65.21	366.87
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-	-	-26.55
Long-Term Debt Repaid	-50	-	-12.37	-	-80.39
Net Long-Term Debt Issued (Repaid)	-50	-	-12.37	-	-80.39
Issuance of Common Stock	0.45	-	-	-	-
Repurchase of Common Stock	-9.46	-2.1	-18.49	-23.87	-0.63
Net Common Stock Issued (Repurchased)	-9.01	-2.1	-18.49	-23.87	-0.63
Common Dividends Paid	-10.1	-9.15	-8.75	-8.01	-9.23
Financing Cash Flow	184.09	-16.53	180.11	33.33	250.08
Net Cash Flow	193.36	28.92	95.28	-251.94	186.51
Free Cash Flow	71.83	56.03	53.86	119.12	93.35
Free Cash Flow Growth	28.20%	4.03%	-54.79%	27.61%	3928.96%
FCF Margin	34.77%	29.37%	25.14%	54.83%	42.21%
Free Cash Flow Per Share	4.23	3.29	3.11	6.61	5.05
Levered Free Cash Flow	4.06	57.88	49.64	80.66	-10.55
Unlevered Free Cash Flow	-4.41	8.17	-0.73	22.42	11.22

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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