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South Plains Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$30.5M in Q3 2026 · $83.5M over twelve months

Operating cash flow$30.9M
Capital spending−$436K
Free cash flow+$30.5M
Cash / net income1.5×

Analysis

In Q3 2026, South Plains Financial generated $30.9M of operating cash flow and spent $436K on capital projects, leaving free cash flow of $30.5M. That is $8.0M more than in Q3 2025 ($22.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $87.4M; the largest uses were other investing ($85.0M), buybacks ($12.8M), dividends ($12.0M); besides operations, cash came from other financing ($169M), shares issued ($566K); the cash balance rose by $142M.

Operating cash flow was $30.9M against net income of $20.8M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities +$6.8M, depreciation & amortization +$1.7M, stock-based pay +$763K.

Free cash flow

South Plains Financial: free cash flow by quarterSouth Plains Financial: free cash flow by quarter$3.1MQ4 2024$25.0MQ1 2025$13.0MQ2 2025$22.5MQ3 2025$11.4MQ4 2025$14.8MQ1 2026$26.8MQ2 2026$30.5MQ3 2026
Operating cash flow less capital spending.
South Plains Financial: operating cash flow against capital spendingSouth Plains Financial: operating cash flow against capital spendingOperating cash flowCapital spending$4.2M$1.0MQ4 2024$26.1M$1.1MQ1 2025$14.7M$1.7MQ2 2025$24.2M$1.8MQ3 2025$12.4M$1.0MQ4 2025$16.2M$1.4MQ1 2026$27.9M$1.0MQ2 2026$30.9M$436KQ3 2026
Latest (Q3 2026): Operating cash flow $30.9M, Capital spending $436K.

Capital allocation, year by year

South Plains Financial: where the cash came from (up) and went (down), by fiscal yearSouth Plains Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $96.3MFY2021: Net borrowing −$26.6MFY2021: Asset sales $1.5MFY2021: Capital spending −$2.9MFY2021: Buybacks −$9.2MFY2021: Dividends −$5.4M$97.7MFY2021FY2022: Operating cash flow $124MFY2022: Asset sales $480KFY2022: Capital spending −$4.5MFY2022: Buybacks −$22.7MFY2022: Dividends −$8.0M$124MFY2022FY2023: Operating cash flow $58.5MFY2023: Asset sales $968KFY2023: Capital spending −$4.7MFY2023: Buybacks −$17.8MFY2023: Dividends −$8.7M$59.5MFY2023FY2024: Operating cash flow $59.4MFY2024: Asset sales $380KFY2024: Capital spending −$3.4MFY2024: Buybacks −$1.3MFY2024: Dividends −$9.2M$59.8MFY2024FY2025: Operating cash flow $77.5MFY2025: Shares issued $451KFY2025: Asset sales $2.3MFY2025: Capital spending −$5.7MFY2025: Buybacks −$8.5MFY2025: Dividends −$10.1M$80.2MFY2025
Over these 5 years operating cash flow totalled $415M; the largest uses were buybacks ($59.6M) and dividends ($41.4M). Cash-flow statements as filed.

Where the cash came from and went

South Plains Financial: sources (+) and uses (−) of cash, Q3 2026South Plains Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$58.6MOperating cash flow$30.9MOther financing$20.1MCash drawn (+) / kept (−)$11.0MDividends−$3.4MCapital spending−$436KShares issued$308KAsset & business sales$76K
South Plains Financial: sources (+) and uses (−) of cash, TTM to Q3 2026South Plains Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing$169MCash drawn (+) / kept (−)−$142MOperating cash flow$87.4MOther investing−$85.0MBuybacks−$12.8MDividends−$12.0MCapital spending−$3.9MTaxes on employees’ shares−$1.4MShares issued$566KAsset & business sales$152K

From profit to cash

South Plains Financial: net income to operating cash flow, Q3 2026South Plains Financial: net income to operating cash flow, Q3 2026Net income$20.8MDepreciation & amortization$1.7MStock-based pay$763KDeferred taxes−$571KAccrued liabilities$6.8MOperating cash flow$30.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$30.9M−$436K—−$3.4M—$308K$11.0M$30.5M
Q2 2026$27.9M−$1.0M−$12.8M−$3.3M——−$65.8M$26.8M
Q1 2026$16.2M−$1.4M—−$2.8M—$258K−$170M$14.8M
Q4 2025$12.4M−$1.0M—−$2.6M——$82.6M$11.4M
Q3 2025$24.2M−$1.8M—−$2.6M−$1.4M$216K−$165M$22.5M
Q2 2025$14.7M−$1.7M−$276K−$2.4M——$65.8M$13.0M
Q1 2025$26.1M−$1.1M−$8.2M−$2.5M—$235K−$177M$25.0M
Q4 2024$4.2M−$1.0M—−$2.5M——$112M$3.1M

South Plains Financial: income statement and cash flow

South Plains Financial, Q3 2026: revenue $65.3M (+20% year over year), operating margin 40.4%. The chart follows the revenue to costs, profit and cash.

South Plains Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.