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South Plains Financial, Inc. SPFI Finance Lease Liabilities

Finance Lease Liabilities at other companies

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Other financials

Income statement

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Revenue$64.5M+18.0%
Net income$19.0M+30.0%
EPS (diluted)$0.96+11.6%

Balance sheet

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Cash & equivalents$787.8M+67.4%
Total debt$7.9M-10.9%
Total equity$629.8M+38.7%
Total assets$5.4B+23.5%

Cash flow

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Operating cash flow$27.9M+89.0%
CapEx$1.0M-40.0%
Free cash flow$26.8M+106%

Valuation

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Market cap$841.17M+39.7%
P/E12.9×+1.9×
P/S3.7×+0.8×

Profitability

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Net margin28.7%+1.9pp
FCF margin33.3%+4.7pp

Returns & leverage

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Return on equity12%-0.5pp
Debt / equity0.0×

Where this comes from

Reported directly by South Plains Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:FinanceLeaseLiability.

The source filing: South Plains Financial, Inc.’s 10-K, filed March 5, 2026.

Filed
Mar 5, 2026, 4:46 PM EST
Fiscal year
FY2025
Accession
0001140361-26-008087

The Company leases space, primarily for branch facilities and small equipment under operating leases. The Company’s leases often include one or more options to renew at the Company’s discretion, and some of the Company’s leases include options to terminate within one year. When it is reasonably certain that the Company will exercise the option to renew or extend the lease term, that option is included in estimating the value of the ROU asset and lease liability. The Company’s leases contain customary restrictions and covenants and do not contain any residual value guarantees. The Company has certain intercompany leases and subleases between its subsidiaries, and these transactions and balances have been eliminated in consolidation and are not reflected in the tables and information presented below. As of December 31, 2025 and 2024, the Company had no finance leases.

Item 8. Financial Statements and Supplementary Data

FAQ

What is South Plains Financial, Inc.'s finance lease liabilities?
South Plains Financial, Inc. (SPFI) reported finance lease liabilities of $0 in Q4 2025.
What does finance lease liabilities mean?
Present value of future payments on leases classified as finance leases under ASC 842 — treated similarly to debt on the balance sheet.

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