South Plains Financial Inc (SPFI) — Financial Flexibility Index
South Plains Financial Inc (SPFI) has a Financial Flexibility Index of 0.01x as of March 2026. Free cash flow of $22.72 Million (operating CF $21.37 Million minus capex $1.35 Million) represents 0% of total liabilities ($4.14 Billion). Check total reinvestment intensity of South Plains Financial Inc to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
South Plains Financial Inc Financial Flexibility Index (2017–2025)
Historical Financial Flexibility Index trend for South Plains Financial Inc across 9 annual periods. For the full cash flow conversion analysis, see South Plains Financial Inc cash conversion from operations.
Annual Financial Flexibility Index for South Plains Financial Inc (2017–2025)
Year-by-year free cash flow to debt coverage for South Plains Financial Inc. Explore how well can South Plains Financial Inc service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $83.15 Million | $77.49 Million | $3.99 Billion | ▲ +26.1% |
| 2024 | 0.02x | $62.73 Million | $59.38 Million | $3.79 Billion | ▼ -0.7% |
| 2023 | 0.02x | $63.22 Million | $58.54 Million | $3.80 Billion | ▼ -53.4% |
| 2022 | 0.04x | $128.06 Million | $123.59 Million | $3.59 Billion | ▼ -95.6% |
| 2021 | 0.81x | $99.19 Million | $96.27 Million | $122.17 Million | ▲ +29236.4% |
| 2020 | 0.00x | $8.94 Million | $5.63 Million | $3.23 Billion | ▼ -76.5% |
| 2019 | 0.01x | $34.48 Million | $30.48 Million | $2.93 Billion | ▲ +0.1% |
| 2018 | 0.01x | $30.05 Million | $26.92 Million | $2.56 Billion | ▼ -36.0% |
| 2017 | 0.02x | $44.35 Million | $35.32 Million | $2.42 Billion | — |