8 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Free cash flow has grown 98.7% per year over the past 5 years.
Shareholder returns
Dividends have been paid for 8 consecutive years, consuming 17.3% of earnings and 14.1% of free cash flow.
The dividend has grown 31.9% per year over the past 5 years.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
2025
—
$58M
—
—
$72M
—
$552M
2024
—
$50M
—
—
$56M
—
$359M
2023
—
$63M
—
—
$54M
—
$330M
2022
—
$58M
—
—
$119M
—
$235M
2021
—
$59M
—
—
$93M
—
$487M
2020
—
$45M
—
—
$2M
—
$300M
2019
—
$29M
—
—
$26M
—
$158M
2018
—
$29M
—
—
$24M
—
$246M
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
—
$15M
—
—
$15M
—
$722M
Dec '25
—
$15M
—
—
$11M
—
$552M
Sep '25
—
$16M
—
—
$22M
—
$635M
Jun '25
—
$15M
—
—
$13M
—
$470M
Mar '25
—
$12M
—
—
$25M
—
$536M
Dec '24
—
$16M
—
—
$3M
—
$359M
Sep '24
—
$11M
—
—
$17M
—
$471M
Jun '24
—
$11M
—
—
$17M
—
$298M
Mar '24
—
$11M
—
—
$19M
—
$372M
Dec '23
—
$10M
—
—
$7M
—
$330M
Sep '23
—
$13M
—
—
$25M
—
$352M
Jun '23
—
$30M
—
—
-$2M
—
$296M
Mar '23
—
$9M
—
—
$24M
—
$328M
Dec '22
—
$13M
—
—
$3M
—
$235M
Sep '22
—
$15M
—
—
$28M
—
$330M
Jun '22
—
$16M
—
—
$18M
—
$376M
Mar '22
—
$14M
—
—
$69M
—
$529M
Dec '21
—
$15M
—
—
$18M
—
$487M
Sep '21
—
$15M
—
—
$7M
—
$328M
Jun '21
—
$14M
—
—
$60M
—
$384M
Valuation over time
How the market has priced SPFI against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 7.0× (Mar '23) to 14.1× (Jun '26).
The dividend yield has fallen from 2.0% (Mar '23) to 1.2% (Jun '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is SPFI growing its revenue and profit?
See the revenue and net-income charts above for SOUTH PLAINS FINANCIAL, INC.'s multi-year trend.
How much debt does SPFI have?
As of FY2025, SOUTH PLAINS FINANCIAL, INC. reported — of total debt against $552M of cash.
What is SPFI's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is SPFI's P/E ratio?
As of Jun '26, SOUTH PLAINS FINANCIAL, INC. traded at a price-to-earnings ratio of about 14.1× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.