20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
South Plains Financial Inc (SPFI) operates in the BANKS - REGIONAL industry and is headquartered in Lubbock, United States with about 545 employees. Its market capitalization is roughly $827 million. In the fiscal year ended 2025-12-31, SPFI reported $297M in revenue and $58M in net income.
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $303M | $297M | $283M | $212M | $232M | $228M | $236M | $186M | $167M | $150M |
| Gross Profit | $218M | $207M | $185M | $212M | $212M | $216M | $194M | $155M | $138M | $130M |
| Gross Margin % | 72.0% | 69.6% | 65.3% | 100.0% | 91.3% | 95.0% | 82.4% | 83.3% | 82.5% | 86.7% |
| Operating Income (EBIT) | $82M | $74M | $63M | $79M | $73M | $73M | $57M | $37M | $25M | $24M |
| Operating Margin % | 27.2% | 24.9% | 22.4% | 37.5% | 31.5% | 32.1% | 24.0% | 19.7% | 15.2% | 15.9% |
| Net Income | $65M | $58M | $50M | $63M | $58M | $59M | $45M | $29M | $29M | $24M |
| Net Margin % | 21.5% | 19.7% | 17.6% | 29.6% | 25.1% | 25.8% | 19.2% | 15.7% | 17.5% | 15.8% |
| EBITDA | $88M | $80M | $70M | $79M | $80M | $80M | $63M | $42M | $31M | $29M |
| Earnings Per Share (EPS) | $3.67 | $3.44 | $3.02 | $3.82 | $3.23 | $3.17 | $2.51 | $1.62 | $1.68 | $1.35 |
| Shares Outstanding (M) | 20M | 17M | 16M | 16M | 18M | 18M | 18M | 18M | 17M | 17M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $81M | $74M | $74M | $74M | $76M | $69M | $73M | $71M |
| Gross Profit | $60M | $54M | $52M | $52M | $52M | $47M | $49M | $46M |
| Gross Margin % | 74.6% | 72.9% | 70.1% | 70.3% | 68.4% | 68.4% | 67.2% | 64.9% |
| Operating Income (EBIT) | $24M | $18M | $19M | $21M | $19M | $16M | $21M | $14M |
| Operating Margin % | 30.1% | 24.8% | 25.7% | 27.9% | 24.4% | 22.7% | 28.3% | 20.2% |
| Net Income | $19M | $15M | $15M | $16M | $15M | $12M | $16M | $11M |
| Net Margin % | 23.5% | 19.7% | 20.5% | 22.0% | 19.1% | 17.8% | 22.5% | 15.8% |
| EBITDA | $26M | $20M | $21M | $22M | $20M | $17M | $22M | $16M |
| Earnings Per Share (EPS) | $0.96 | $0.85 | $0.90 | $0.96 | $0.86 | $0.72 | $0.96 | $0.66 |
| Shares Outstanding (M) | 20M | 17M | 17M | 17M | 17M | 17M | 17M | 17M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $81M | $77M | $59M | $59M | $124M | $96M | $6M | $30M | $27M | $35M |
| Capital Expenditures (CapEx) | $5M | $6M | $3M | $5M | $4M | $3M | $3M | $4M | $3M | $9M |
| Free Cash Flow (FCF) | $76M | $72M | $56M | $54M | $119M | $93M | $2M | $26M | $24M | $26M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $11M | $10M | $9M | $9M | $8M | $5M | $3M | $1M | $30M | $8M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $28M | $16M | $12M | $24M | $15M | $26M | $4M | $18M |
| Capital Expenditures (CapEx) | $1M | $1M | $1M | $2M | $2M | $1M | $1M | $1M |
| Free Cash Flow (FCF) | $27M | $15M | $11M | $22M | $13M | $25M | $3M | $17M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.4B | $4.5B | $4.2B | $4.2B | $3.9B | $3.9B | $3.6B | $3.2B | $2.7B | $2.6B |
| Cash & Cash Equivalents | $788M | $552M | $359M | $330M | $235M | $487M | $300M | $158M | $246M | $295M |
| Total Liabilities | $4.8B | $4.0B | $3.8B | $3.8B | $3.6B | $122M | $3.2B | $2.9B | $2.6B | $2.4B |
| Total Debt (Short + Long-Term) | $60M | $60M | $112M | $112M | $124M | $198M | $224M | $205M | $193M | $178M |
| Total Shareholders' Equity | $630M | $494M | $439M | $407M | $357M | $3.8B | $370M | $306M | $155M | $158M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive SPFI viewer.
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