SPFI - NASDAQ
South Plains Financial, Inc.
$39.58
-2.2%South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. The company operates through two segments, Banking and Insurance. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides commercial real estate loans; general and specialized commercial loans, including agricultural production and real estate, energy, finance, investment, and insurance loans, as well as loans to goods, services, restaurant and retail, construction, and other industries; residential construction loans; and 1-4 family residential loans, auto loans, and other loans for recreational vehicles or other purposes. In addition, it offers crop insurance products; trust products and services; investment services; mortgage banking services; online and mobile banking services; and debit and credit cards. The company operates 25 full-service banking locations; and 15 loan production offices located throughout Texas and Eastern New Mexico. South Plains Financial, Inc. was founded in 1941 and is headquartered in Lubbock, Texas.
At a Glance
Live SnapshotSouth Plains Financial, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
South Plains Financial, Inc. Cash Flow Statement
SPFI • NASDAQ
| South Plains Financial, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 |
|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||
58.5M | 49.7M | 62.7M | 58.2M | 58.6M | 45.4M | 29.2M | 29.3M | 23.6M | |
5.8M | 6.5M | 6.4M | 7M | 6.4M | 6.6M | 5.2M | 5.2M | 5.3M | |
-1M | -1M | 99K | 1.4M | 1.5M | -1.6M | 0.0 | 0.0 | 0.0 | |
2.6M | 2.3M | 2.2M | 2.8M | 1.6M | 1.3M | 853K | 0.0 | 0.0 | |
18.9M | -280K | -7M | 38.4M | 24.9M | -44.6M | -9.6M | -2.6M | 3.3M | |
(0.0) | (12.5M) | (19.4M) | (13.8M) | (12.4M) | (13.5M) | (6.5M) | (2.7M) | (107K) | |
-7.3M | 2.2M | -5.8M | 15.9M | 3.2M | -1.4M | 4.8M | -4.9M | 3.1M | |
77.5M | 59.4M | 58.5M | 123.6M | 96.3M | 5.6M | 30.5M | 26.9M | 35.3M | |
INVESTING ACTIVITIES | |||||||||
(0.0) | -3.4M | -4.7M | -4.5M | -2.9M | -3.3M | -4M | -3.1M | -9M | |
(0.0) | (0.0) | (36.1M) | (0.0) | (0.0) | -687K | (78.2M) | (0.0) | (0.0) | |
(0.0) | -304.8M | -199.9M | -176.7M | -61.5M | -279.7M | -489M | -539.1M | -328.2M | |
0.0 | 337.9M | 292.9M | 81.3M | 120.3M | 209.4M | 191.8M | 481.9M | 364.6M | |
-68.2M | -43.7M | -267.8M | -308.9M | -215.7M | -81.9M | 9.6M | -123.8M | -175.5M | |
-68.2M | -13.9M | -143.4M | -408.9M | -159.8M | -156.2M | -213.5M | -184.1M | -148.1M | |
FINANCING ACTIVITIES | |||||||||
-8.1M | -1.3M | -17.8M | -22.7M | -9.2M | -293K | 51.4M | 0.0 | 0.0 | |
-50M | 0.0 | -12.4M | 0.0 | -101.6M | 18.5M | 11.6M | 15.3M | -11.4M | |
-10.1M | -9.2M | -8.7M | -8M | -5.4M | -2.5M | -1.1M | -30M | -7.9M | |
-8.5M | -1.3M | -17.8M | -22.7M | -9.2M | -293K | (0.0) | (0.0) | (0.0) | |
252.3M | -6M | 219M | 64M | 366.2M | 277.2M | 33.2M | 123.4M | 63.2M | |
184.1M | -16.5M | 180.1M | 33.3M | 250.1M | 292.8M | 95.1M | 108.6M | 43.9M | |
CASH FLOW SUMMARY | |||||||||
193.4M | 28.9M | 95.3M | -251.9M | 186.5M | 142.2M | -87.9M | -48.6M | -68.8M | |
359.1M | 330.2M | 234.9M | 486.8M | 300.3M | 158.1M | 246M | 294.6M | 363.4M | |
552.4M | 359.1M | 330.2M | 234.9M | 486.8M | 300.3M | 158.1M | 246M | 294.6M | |
71.8M | 56M | 53.9M | 119.1M | 93.4M | 2.3M | 26.5M | 23.8M | 26.3M |
SEC Filings
SPFI - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 14, 2026 | May 11, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 05, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 28, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 16, 2026 | April 16, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 06, 2026 | May 11, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 01, 2026 | April 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 23, 2026 | March 23, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 05, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 23, 2026 | February 18, 2026 | 2026 | |
S-4/A S-4/A (Amended) N/A | February 13, 2026 | February 13, 2026 |
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