All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2022-03-11.
From the record
South Plains Financial, Inc.'s filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2022-03-11) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+11.4% a year over 8 filed years; profitable in 8 of 8.
From the record
South Plains Financial, Inc.'s 8 filed years say what it did: revenue went from $118 million in fiscal 2018 to $252 million in fiscal 2025, up 11.4% a year; it rose in 6 of 7 years; the deepest fall was 2% from fiscal 2020 to fiscal 2021; net income was positive in 8 of 8 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 2.0% a year. 28% of cash flow returned. Insiders: 13 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, South Plains Financial, Inc.'s diluted share count shrank about 2.0% a year, and dividends and buybacks returned about 28% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 13 sales and 1 purchase of their own stock on the open market in the year to 2026-11-12 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 12%: 12¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, South Plains Financial, Inc. earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 0.3% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 48% of 155 in its family; net margin 23.2%.
From the record
South Plains Financial, Inc.'s standing among 155 graded names in its industry family: revenue of $252 million in fiscal 2025 ranks in the bottom 42% by size; a net margin of 23.2% ranks in the top 40%; revenue growth of 16.1% a year over the last 3 filed years ranks in the bottom 42% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 44% of 150 in its family for leadership; chief executive since 2019.
From the record
South Plains Financial, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Griffith, Curtis C (Chairman and CEO, as filed), filing under that title since 2019-05-10, 7.5 years (bottom 46% of its family); the 10 officers and directors filing in the last fifteen months have been on the record a median of 7.5 years (top 48%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 10 people in charge now (top 28%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 17% of 142 in its family for room to expand.
From the record
South Plains Financial, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $552 million against no long-term debt tagged leaves 12.3% of its assets as net cash, top 5% of its family; cash from operations less capital spending is 28.5% of revenue (top 29%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 45% of 152 in its family for growth drivers.
From the record
South Plains Financial, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 16.1% a year over the last three filed years against 11.4% over all 8, speeding up (top 41% of its family); the newest year grew 4.6% (top 49%); capital spending grew 8.2% a year (top 45%) (its annual reports). South Plains Financial, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 39% of 150 in its family for expectations against reality.
From the record
South Plains Financial, Inc.'s newest year against its own record: revenue of $252 million in fiscal 2025 came in 14.4% below the $294 million its prior three years' pace pointed to (top 45% of its family); net income of $58 million against a prior three-year average of $57 million (bottom 31%); a net margin of 23.2% against 28.8% before (bottom 30%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made