South Plains Financial Inc (SPFI) — Cash Flow Quality Index
South Plains Financial Inc (SPFI) has a Cash Flow Quality Index of 1.47x as of March 2026. Operating cash flow of $21.37 Million exceeds net income of $14.54 Million, indicating high earnings quality where cash backs reported profits. Explore South Plains Financial Inc (SPFI) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
South Plains Financial Inc Cash Flow Quality Index (2017–2025)
Historical Cash Flow Quality Index for South Plains Financial Inc across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see SPFI cash flow metrics.
Annual Cash Flow Quality Index for South Plains Financial Inc (2017–2025)
Year-by-year earnings quality comparison for South Plains Financial Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.33x | $77.49 Million | $58.47 Million | ▲ +11.0% |
| 2024 | 1.19x | $59.38 Million | $49.72 Million | ▲ +28.0% |
| 2023 | 0.93x | $58.54 Million | $62.74 Million | ▼ -56.0% |
| 2022 | 2.12x | $123.59 Million | $58.24 Million | ▲ +29.2% |
| 2021 | 1.64x | $96.27 Million | $58.61 Million | ▲ +1223.8% |
| 2020 | 0.12x | $5.63 Million | $45.35 Million | ▼ -88.1% |
| 2019 | 1.04x | $30.48 Million | $29.22 Million | ▲ +13.5% |
| 2018 | 0.92x | $26.92 Million | $29.29 Million | ▼ -38.5% |
| 2017 | 1.49x | $35.32 Million | $23.64 Million | — |