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South Plains Financial, Inc. SPFI Debt-to-assets

Debt-to-assets at other companies

JPMorgan ChaseJPM

0.1×0.0×

Cullen/Frost BankersCFR

0×—

Wells Fargo & CompanyWFC

0.1×-0.1×

Prosperity BancsharesPB

0×—

SMB

SmartFinancialSMBK

0×0.0×

CTB

Community Trust BancorpCTBI

0×0.0×

Other financials

Income statement

Revenue$54.1M+10.2%

Net income$14.5M+18.3%

EPS (diluted)$0.85+18.1%

Balance sheet

Cash & equivalents$722.0M+34.6%

Total debt$7.9M-10.9%

Total equity$504.9M+13.8%

Total assets$4.6B+5.5%

Cash flow

Operating cash flow$16.2M-38.0%

CapEx$1.4M+19.3%

Free cash flow$14.8M-40.6%

Valuation

Market cap$820.4M+43.6%

P/E13.5×+2.3×

P/S3.8×+0.9×

Profitability

Net margin28%+2.1pp

FCF margin28.4%-3.1pp

Returns & leverage

Return on equity12.8%+0.8pp

Debt / equity0×0.0×

Where this comes from

Calculated from South Plains Financial, Inc.’s reported figures.

total debt/total assets=0×

Based on the most recent quarter.

The official record: South Plains Financial, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is South Plains Financial, Inc.'s debt-to-assets?: South Plains Financial, Inc. (SPFI) reported debt-to-assets of 0× in Q4 2025.
How has South Plains Financial, Inc.'s debt-to-assets changed year-over-year?: South Plains Financial, Inc.'s debt-to-assets decreased by 14.3% year-over-year, from 0× to 0×.
What is the long-term trend for South Plains Financial, Inc.'s debt-to-assets?: Over 4 years (2020 to 2025), South Plains Financial, Inc.'s debt-to-assets has grown at a -29.8% compound annual growth rate (CAGR), from 0× to 0×.
What does debt-to-assets mean?: Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.