What is South Plains Financial, Inc.'s discount rate?

South Plains Financial, Inc. (SPFI) reported discount rate of 9.7% in Q1 2026.

How has South Plains Financial, Inc.'s discount rate changed year-over-year?

South Plains Financial, Inc.'s discount rate decreased by 4.6% year-over-year, from 10.2% to 9.7%.

What does discount rate mean?

The interest rate used to discount the projected future cash flows of servicing assets to their present value. It reflects the market's required return and risk profile for holding these servicing rights.

South Plains Financial, Inc. SPFI Discount rate

Discount rate at other companies

Lakeland FinancialLKFN

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SouthStateSSB

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Other financials

Income statement

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Revenue$54.1M+10.2%

Net income$14.5M+18.3%

EPS (diluted)$0.85+18.1%

Balance sheet

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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

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Operating cash flow$16.2M-38.0%

CapEx$1.4M+19.3%

Free cash flow$14.8M-40.6%

Valuation

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Market cap$807.57M+41.4%

P/E13.3×+2.1×

P/S3.7×+0.8×

Profitability

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Net margin28%+2.1pp

FCF margin28.4%-3.1pp

Returns & leverage

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Return on equity12.8%+0.8pp

Debt / equity0×0.0×

Where this comes from

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

Tagged under the XBRL concept us-gaap:ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate.

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 discount rate?: South Plains Financial, Inc. (SPFI) reported discount rate of 9.7% in Q1 2026.
How has South Plains Financial, Inc.'s discount rate changed year-over-year?: South Plains Financial, Inc.'s discount rate decreased by 4.6% year-over-year, from 10.2% to 9.7%.
What does discount rate mean?: The interest rate used to discount the projected future cash flows of servicing assets to their present value. It reflects the market's required return and risk profile for holding these servicing rights.