South Plains Financial, Inc.

SPFI

SPFISouth Plains Financial, Inc. US flag

NASDAQ Global Select

43.25

USD

-0.63

- -

703.23MMarket Cap

Income Statement (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	134	145	158	220	214	209	176	189	206
+ Sales & Services Revenue	134	145	158	220	214	209	176	189	206
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	70	75	78	92	97	90	83	78	81
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-70	-75	-78	-92	-97	-90	-83	-78	-81
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-24	-25	-37	-57	-73	-73	-79	-63	-74
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-24	-25	-37	-57	-73	-73	-79	-63	-74
Pretax Income	24	25	37	57	73	73	79	63	74
- Income Tax Expense (Benefit)	- -	-4	7	11	15	15	17	14	16
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	24	29	29	45	59	58	63	50	58
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	24	29	29	45	59	58	63	50	58
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	24	29	29	45	59	58	63	50	58
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	24	29	29	45	59	58	63	50	58
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	5	5	5	7	6	7	6	7	6
EBITDA Margin (%)	3.96	3.58	3.31	2.99	3	3.33	3.64	3.44	2.83
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	17.7	20.2	18.51	20.65	27.36	27.83	35.6	26.26	28.41
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.45	1.72	0.06	0.14	0.3	0.47	0.53	0.56	0.62
Depreciation Expense	5	5	5	7	6	7	6	7	6
Basic Weighted Avg Shares	17	17	18	18	18	17	16	16	16
Basic EPS, GAAP	1.35	1.68	1.62	2.51	3.3	3.42	3.82	3.02	3.59
Basic EPS from Cont Ops	1.35	1.68	1.62	2.51	3.3	3.42	3.82	3.02	3.59
Diluted Weighted Avg Shares	17	17	18	18	18	17	16	16	16
Diluted EPS, GAAP	1.35	1.68	1.62	2.51	3.3	3.42	3.82	3.02	3.59
Diluted EPS from Cont Ops	1.35	1.68	1.62	2.51	3.3	3.42	3.82	3.02	3.59

Balance Sheet (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	489	584	866	1,103	1,211	937	514	627	1,120
+ Cash & Cash Equivalents	295	246	158	300	487	235	330	359	552
+ ST Investments	194	338	708	803	725	702	184	268	567
+ Accounts & Notes Receiv	14	13	14	15	14	16	21	22	21
+ Accounts Receivable, Net	14	13	14	15	14	16	21	22	21
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-503	-597	-880	-1,119	-1,225	-953	-535	-649	-1,140
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	62	60	62	60	58	56	55	53	52
+ Property, Plant & Equip	111	114	120	123	125	124	128	125	127
- Accumulated Depreciation	49	54	58	63	67	68	73	72	75
+ LT Investments & Receivables	284	338	708	803	725	702	184	268	567
+ LT Investments	284	338	708	803	725	702	184	268	567
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-346	-398	-770	-863	-782	-758	-239	-321	-619
+ Total Intangible Assets	- -	- -	29	36	45	51	48	47	44
+ Goodwill	- -	- -	19	20	20	20	19	19	19
+ Other Intangible Assets	- -	- -	11	17	26	32	29	28	25
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-346	-398	-799	-900	-827	-809	-287	-369	-663
Total Assets	2,573	2,713	3,237	3,599	3,902	3,944	4,205	4,232	4,480
+ Payables & Accruals	26	29	29	31	31	58	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	26	29	29	31	31	58	- -	- -	- -
+ ST Debt	- -	- -	20	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	20	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-26	-29	-49	-31	-31	-58	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-26	-29	-49	-31	-31	-58	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	162	175	168	197	122	122	110	110	60
+ LT Borrowings	162	175	168	197	122	122	110	110	60
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-162	-175	-168	-197	-122	-122	-110	-110	-60
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-162	-175	-168	-197	-122	-122	-110	-110	-60
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	2,415	2,558	2,931	3,229	3,494	3,587	3,798	3,793	3,987
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	101	95	159	159	151	130	114	114	107
+ Common Stock	15	15	18	18	18	17	16	16	16
+ Additional Paid in Capital	86	80	140	141	133	113	97	97	91
- Treasury Stock	6	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	121	120	147	190	243	292	345	386	434
+ Other Equity	- -	-2	1	21	14	-65	-52	-61	-48
Equity Before Minority Interest	158	155	306	370	407	357	407	439	494
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	158	155	306	370	407	357	407	439	494
Total Liabilities & Equity	2,573	2,713	3,237	3,599	3,902	3,944	4,205	4,232	4,480
Shares Outstanding	17	17	18	18	18	17	16	16	16
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-132	-71	30	-103	-365	-113	-220	-249	-492
Net Debt to Equity	-83.61	-45.67	9.72	-27.92	-89.5	-31.52	-54.04	-56.66	-99.62
Tangible Common Equity Ratio	6.15	5.7	8.63	9.37	9.39	7.85	8.63	9.36	10.13
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	24	29	29	45	59	58	63	50	58
+ Depreciation & Amortization	5	5	5	7	6	7	6	7	6
+ Non-Cash Items	3	-3	-9	-45	28	43	-5	1	20
+ Stock-Based Compensation	- -	- -	1	1	2	3	2	2	3
+ Deferred Income Taxes	- -	- -	- -	-2	1	1	- -	-1	-1
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	3	-3	-10	-45	25	38	-7	- -	19
+ Chg in Non-Cash Work Cap	3	-5	5	-1	3	16	-6	2	-7
+ (Inc) Dec in Accts Receiv	-2	-8	- -	-3	3	-1	-9	1	3
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	5	3	5	2	- -	17	3	1	-10
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	35	27	30	6	96	124	59	59	77
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	1	- -	1	- -	2
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	1	- -	1	- -	2
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-9	-3	-4	-3	-3	-4	-5	-3	-6
+ Acq of Fixed Prod Assets	-9	-3	-4	-3	-3	-4	-5	-3	-6
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	51	- -	-9	-23	-18	-1	-8
+ Increase in Capital Stock	- -	- -	51	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	-9	-23	-18	-1	-9
+ Net Change in LT Investment	36	-57	-297	-70	59	-95	93	33	29
+ Dec in LT Investment	365	482	192	209	120	81	293	338	450
+ Inc in LT Investment	-328	-539	-489	-280	-62	-177	-200	-305	-421
+ Net Cash From Acq & Div	- -	- -	78	-1	- -	- -	36	- -	- -
+ Cash from Divestitures	- -	- -	78	- -	- -	- -	36	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	-1	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-176	-124	9	-82	-217	-309	-269	-44	-94
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-148	-184	-213	-156	-160	-409	-143	-14	-68
+ Dividends Paid	-8	-30	-1	-3	-5	-8	-9	-9	-10
+ Net Cash From Debt	-11	15	12	18	-102	- -	-12	- -	-50
+ Cash From Debt	- -	15	19	124	- -	- -	- -	- -	- -
+ Repayments of Debt	-11	- -	-8	-106	-102	- -	-12	- -	-50
+ Other Financing Activities	63	123	33	277	366	64	219	-6	252
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	44	109	95	293	250	33	180	-17	184
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-69	-49	-88	142	187	-252	95	29	193
EBITDA	5	5	5	7	6	7	6	7	6
EBITDA Margin (%)	3.96	3.58	3.31	2.99	3	3.33	3.64	3.44	2.83
Free Cash Flow	26	24	26	2	93	119	54	56	72
Net Cash Paid for Acquisitions	- -	- -	-78	1	- -	- -	-36	- -	- -
Free Cash Flow to Firm	26	- -	26	2	93	119	54	56	72
Free Cash Flow to Equity	- -	39	38	21	-7	120	42	56	24
Free Cash Flow per Basic Share	1.51	1.36	1.47	0.13	5.26	7	3.28	3.4	4.41
Price/Free Cash Flow	- -	- -	10.92	38.33	4.98	3.66	7.52	9.12	7.6
Cash Flow to Net Income	1.49	0.92	1.04	0.12	1.64	2.12	0.93	1.19	1.33
Capital Expenditures	-9	-3	-4	-3	-3	-4	-5	-3	-6