Filing Flows › South Plains Financial (SPFI) › How it makes money
How South Plains Financial (SPFI) makes money
South Plains Financial (SPFI) made $65.3M of revenue in the third quarter 2026 (Q3 2026), +20% from a year earlier. Net interest income brought in $51.5M (79%); Noninterest income brought in $13.8M (21%). Of every dollar of revenue, 40¢ was left as operating profit, 32¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $51.5M | 78.8% | +2% | +20% |
| Noninterest income | $13.8M | 21.2% | -2% | +24% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $65.3M | 100.0% |
| Operating profit | $26.4M | 40.4% |
| Income tax | $5.6M | 8.6% |
| Net earnings | $20.8M | 31.8% |
| Operating cash flow | $30.9M | 47.4% |
| Free cash flow | $30.5M | 46.7% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $65.3M | +20% |
From South Plains Financial's 10-Q filed Nov 3, 2026 (on EDGAR).
Questions
How does South Plains Financial make money?
South Plains Financial (SPFI) made $65.3M of revenue in the third quarter 2026 (Q3 2026), +20% from a year earlier. Net interest income brought in $51.5M (79%); Noninterest income brought in $13.8M (21%). Of every dollar of revenue, 40¢ was left as operating profit, 32¢ was left as net earnings.
What is South Plains Financial's biggest business?
Net interest income: $51.5M in the third quarter 2026, 79% of revenue, +20% from a year earlier.
What is South Plains Financial's profit margin?
Net earnings were $20.8M, 31.8% of revenue, in the third quarter 2026; the operating margin was 40.4%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.