South Plains Financial Inc (SPFI) — Defensive Interval Ratio
South Plains Financial Inc (SPFI) has a Defensive Interval Ratio of 132506 days as of December 2025. Defensive assets of $588.47 Million (cash $-, short-term investments $567.54 Million, receivables $20.93 Million) cover 132506 days of daily cash needs of $4.44K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
South Plains Financial Inc Defensive Interval Ratio (2017–2025)
This chart shows how South Plains Financial Inc's Defensive Interval Ratio has evolved across 9 annual periods from 2017 to 2025. As of December 2025, the ratio stands at 132506 days, meaning defensive assets of $588.47 Million can fund 132506 days of operations without new revenue. For the complete balance sheet picture, see how large is South Plains Financial Inc's balance sheet.
Annual Defensive Interval Ratio for South Plains Financial Inc (2017–2025)
The table below presents the year-by-year Defensive Interval Ratio for South Plains Financial Inc from 2017 to 2025, covering 9 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See working capital position of South Plains Financial Inc to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 132506 days | $588.47 Million | $4.44K/day | $- | $567.54 Million | ▲ +132477 days |
| 2024 | 29 days | $289.93 Million | $9.92 Million/day | $- | $268.24 Million | ▲ +9 days |
| 2023 | 21 days | $204.74 Million | $9.93 Million/day | $- | $183.86 Million | ▼ -17559 days |
| 2022 | 17579 days | $718.14 Million | $40.85K/day | $- | $701.71 Million | ▲ +17328 days |
| 2021 | 252 days | $738.40 Million | $2.94 Million/day | $- | $724.50 Million | ▲ +153 days |
| 2020 | 99 days | $818.32 Million | $8.31 Million/day | $- | $803.09 Million | ▲ +3 days |
| 2019 | 95 days | $721.57 Million | $7.57 Million/day | $- | $707.65 Million | ▲ +40 days |
| 2018 | 55 days | $351.15 Million | $6.37 Million/day | $- | $338.20 Million | ▲ +20 days |
| 2017 | 35 days | $208.48 Million | $6.02 Million/day | $- | $194.18 Million | — |