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Discontinued — last reported Q4 '25

Total debt at other companies

SMB
SmartFinancialSMBK
$11.38M-7.0%
CTB
Community Trust BancorpCTBI
$16M-2.8%
Southside Bancshares logo
Southside BancsharesSBSI
$538.23M-31.0%
First Financial Bankshares logo
First Financial BanksharesFFIN
$22.31M-17.3%
JPMorgan Chase logo
JPMorgan ChaseJPM
Wells Fargo & Company logo
Wells Fargo & CompanyWFC

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 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×

Where this comes from

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

Plus components not separately reported this period.

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

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Questions, answered.

What is South Plains Financial, Inc.'s total debt?
South Plains Financial, Inc. (SPFI) reported total debt of $7.93M in Q4 2025.
How has South Plains Financial, Inc.'s total debt changed year-over-year?
South Plains Financial, Inc.'s total debt decreased by 10.9% year-over-year, from $8.91M to $7.93M.
What is the long-term trend for South Plains Financial, Inc.'s total debt?
Over 4 years (2020 to 2025), South Plains Financial, Inc.'s total debt has grown at a -26.1% compound annual growth rate (CAGR), from $26.55M to $7.93M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.