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SOUTH PLAINS FINANCIAL, INC. (SPFI)

SOUTH PLAINS FINANCIAL, INC. (SPFI)

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Cash Flow Overview

Free Cash flow
$26,838K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Maturities, prepayments, and cal...
    • Proceeds from sales of loans hel...
    • Net cash received from acquisiti...
    • Others
Negative Cash Flow Breakdown
    • Purchases
    • Loans originated for sale
    • Loan originations and principal ...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
18,992
14,545
15,254
16,318
Provision for credit losses
350
260
1,775
500
Provision for foreclosed asset losses
0
100
100
-
Depreciation and amortization
1,970
1,502
1,455
1,420
Accretion and amortization
-589
-559
-518
-722
Other gains, net
34
99
18
0
Gain on sale of subsidiary
-
-
0
-
Loss on sale of securities
-
-
0
-
Net gain on sales of loans
2,733
2,332
2,021
2,338
Proceeds from sales of loans held for sale
86,521
57,711
67,876
75,034
Loans originated for sale
78,830
62,909
63,050
68,809
Deferred income tax expense
4
428
316
-611
Earnings on bank-owned life insurance
508
425
420
415
Stock-based compensation
873
668
651
650
Change in valuation of mortgage servicing rights
515
250
-665
-925
Accrued interest receivable and other assets
1,821
-5,409
2,762
216
Accrued expenses and other liabilities
3,016
1,003
-7,906
1,036
Net cash from operating activities
27,874
16,170
12,433
24,216
Purchases
150,944
351,389
404,041
7,529
Sales
-
-
0
-
Maturities, prepayments, and calls
208,910
314,406
412,110
18,165
Loan originations and principal collections, net
36,520
-40,439
92,713
-42,791
Net cash received from acquisition of boh holdings, inc
30,823
-
-
-
Purchases of premises and equipment
1,036
1,354
1,046
1,753
Proceeds from sales of premises and equipment
20
38
18
0
Proceeds from sale of subsidiary
-
-
0
-
Capital improvements to foreclosed assets
-
-
131
-
Proceeds from sales of foreclosed assets
533
954
1,084
189
Net cash from investing activities
51,786
3,094
-84,719
51,863
Net change in deposits
17,195
153,509
-7,066
142,205
Net change in short-term borrowings
-15,000
-
-
-
Proceeds from common stock issuance
0
258
0
216
Payments made on subordinated debt
-
-
0
50,000
Payments to tax authorities for stock-based compensation
1
699
656
0
Cash dividends paid on common stock
3,255
2,771
2,599
2,598
Payments to repurchase common stock
12,842
0
0
0
Net cash from financing activities
-13,903
150,297
-10,321
88,471
Net change in cash and cash equivalents
65,757
169,561
-82,607
164,550
Beginning cash and cash equivalents
722,000
552,439
635,046
359,082
Ending cash and cash equivalents
787,757
722,000
552,439
635,046
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Maturities, prepayments,and calls$208,910K (969.52%↑ Y/Y)Proceeds from sales ofloans held for sale$86,521K (-40.54%↓ Y/Y)Net cash receivedfrom acquisition of...$30,823K Proceeds from sales offoreclosed assets$533K (-45.28%↓ Y/Y)Proceeds from sales ofpremises and equipment$20K (-99.11%↓ Y/Y)Net income$18,992K (-29.40%↓ Y/Y)Accrued expenses andother liabilities$3,016K (189.58%↑ Y/Y)Depreciation andamortization$1,970K (-32.97%↓ Y/Y)Stock-based compensation$873K (-34.01%↓ Y/Y)Accretion andamortization-$589K (60.01%↑ Y/Y)Provision for creditlosses$350K (-88.01%↓ Y/Y)Deferred income taxexpense$4K (100.55%↑ Y/Y)Net cash frominvesting activities$51,786K (246.42%↑ Y/Y)Net cash fromoperating activities$27,874K (-31.75%↓ Y/Y)Canceled cashflow$188,500K Canceled cashflow$84,441K Net change in cashand cash...$65,757K (-40.98%↓ Y/Y)Canceled cashflow$13,903K Purchases$150,944K (1510.24%↑ Y/Y)Loan originationsand principal...$36,520K (-20.40%↓ Y/Y)Purchases of premises andequipment$1,036K (-63.80%↓ Y/Y)Loans originated forsale$78,830K (-42.66%↓ Y/Y)Net gain on sales ofloans$2,733K (-47.90%↓ Y/Y)Accrued interestreceivable and other assets$1,821K (130.68%↑ Y/Y)Change in valuation ofmortgage servicing...$515K (129.58%↑ Y/Y)Earnings on bank-ownedlife insurance$508K (-36.89%↓ Y/Y)Other gains, net$34K (-87.22%↓ Y/Y)Net change indeposits$17,195K (-85.44%↓ Y/Y)Net cash fromfinancing activities-$13,903K (-113.12%↓ Y/Y)Canceled cashflow$17,195K Net change inshort-term borrowings-$15,000K (-1209.47%↓ Y/Y)Payments to repurchasecommon stock$12,842K (50.62%↑ Y/Y)Cash dividends paidon common stock$3,255K (-33.63%↓ Y/Y)Payments to taxauthorities for stock-based...$1K (-99.64%↓ Y/Y)