SPFI - SOUTH PLAINS FINANCIAL, INC.

📈 Is growth accelerating? 7 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	20.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+241%)	18.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+200%)	10.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+69%)	—	13.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+118%)	12.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+108%)	5.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	—	-0.1% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-101%)	-40.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-775%)	3.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	—	-14.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-340%)	46.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+667%)	-16.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-368%)	—	-1.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-127%)	7.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+32%)	-4.3% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-171%)	—	-9.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-258%)	-6.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-205%)	14.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+137%)	—	54.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+812%)	43.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+627%)	34.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+467%)	—	6.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+14%)	5.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	7.1% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+19%)	—	—	—	—	—
EPS Growth YoY (%)	10.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	10.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	18.7% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	-6.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	47.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	32.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	13.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	57.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-15.0% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-60.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	22.2% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	-13.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	91.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-33.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	4.7% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	19.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-3.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-8.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	145.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	115.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	51.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	102.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	21.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	48.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	39.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-58.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-13.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	27.3% Excellent ↑ Excellent Improving Year-over-year change in net income	30.0% Excellent ↑ Excellent Improving Year-over-year change in net income	18.3% Good ↓ Good Declining Year-over-year change in net income	-7.5% Weak ↓ Weak Declining Year-over-year change in net income	45.5% Excellent ↑ Excellent Improving Year-over-year change in net income	31.2% Excellent ↑ Excellent Improving Year-over-year change in net income	13.1% Fair ↑ Fair Improving Year-over-year change in net income	59.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-16.9% Weak ↑ Weak Improving Year-over-year change in net income	-62.5% Weak ↓ Weak Declining Year-over-year change in net income	17.6% Good ↓ Good Declining Year-over-year change in net income	-18.2% Weak ↓ Weak Declining Year-over-year change in net income	-12.7% Weak ↓ Weak Declining Year-over-year change in net income	86.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-35.3% Weak ↓ Weak Declining Year-over-year change in net income	-13.6% Weak ↓ Weak Declining Year-over-year change in net income	1.8% Caution ↑ Caution Improving Year-over-year change in net income	16.4% Good ↑ Good Improving Year-over-year change in net income	-5.8% Weak ↓ Weak Declining Year-over-year change in net income	-8.2% Weak ↓ Weak Declining Year-over-year change in net income	-9.2% Weak ↓ Weak Declining Year-over-year change in net income	143.1% Excellent ↑ Excellent Improving Year-over-year change in net income	114.0% Excellent ↑ Excellent Improving Year-over-year change in net income	57.5% Excellent ↑ Excellent Improving Year-over-year change in net income	102.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-7.6% Weak ↓ Weak Declining Year-over-year change in net income	48.4% Excellent ↑ Excellent Improving Year-over-year change in net income	72.4% Excellent ↑ Excellent Improving Year-over-year change in net income	68.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-53.3% Weak Weak Year-over-year change in net income	-13.2% Weak Weak Year-over-year change in net income	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	10.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	-7.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	—	-1.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.9% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	—	-5.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-5.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	-8.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	13.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	-2.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	11.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.6% Good → Good Stable Compound annual revenue growth over 3 years	—	14.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.5% Good Good Compound annual revenue growth over 3 years	17.9% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	2.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	4.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	-0.7% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	—	-2.9% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-0.2% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	0.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	—	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.7% Fair → Fair Stable Compound annual revenue growth over 5 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	—	4.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	17.5% Excellent Excellent Compound annual revenue growth over 5 years	5.7% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	11.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	-17.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	18.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	4.0% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-0.4% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-2.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	7.2% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-7.2% Weak → Weak Stable Compound annual EPS growth over 3 years	-3.6% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-7.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-10.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-4.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	77.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	8.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	24.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	35.0% Excellent → Excellent Stable Compound annual EPS growth over 3 years	36.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	28.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	37.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-4.8% Weak Weak Compound annual EPS growth over 3 years	31.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Operating Margin (%) (%)	40.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	37.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	33.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	—	38.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	34.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	31.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	—	29.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	29.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	30.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	—	35.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	45.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	25.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	34.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	35.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	33.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	—	33.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	32.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	—	—	33.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	12.7% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	21.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	19.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	31.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	29.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	26.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	—	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	26.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	25.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	—	23.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	22.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	—	28.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	36.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	20.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	—	27.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	28.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	26.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	—	26.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	26.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	—	26.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	10.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	14.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	—	20.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	15.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	13.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	—	12.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	35.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	16.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	3.0% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	3.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	2.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	3.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	4.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	3.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	3.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	4.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	3.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	3.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	8.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	3.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Debt to Equity (x)	—	—	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.01x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—	—	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	—	0.12x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.11x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$3.46	$3.38	$3.32	—	$3.34	$3.37	$2.99	—	$2.92	$2.96	$2.85	—	$2.85	$4.79	$2.64	—	$3.24	$3.20	$3.03	—	$3.18	$2.87	$3.10	—	$3.48	$3.06	$2.72	—	$2.26	$2.34	$2.48	—	$2.58	$2.46	$2.31	—
Basic EPS, GAAP (USD)	$1.10	$0.99	$0.89	$0.94	$1.00	$0.90	$0.75	$1.01	$0.68	$0.68	$0.66	$0.64	$0.80	$1.74	$0.54	$0.74	$0.89	$0.91	$0.81	$0.82	$0.85	$0.76	$0.84	$0.88	$0.93	$0.31	$0.39	$0.58	$0.46	$0.37	$0.32	$0.39	$0.33	$0.88	$0.37	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.18	$0.17	$0.17	$0.16	$0.16	$0.15	$0.15	$0.15	$0.14	$0.14	$0.13	$0.13	$0.13	$0.13	$0.13	$0.12	$0.12	$0.11	$0.11	$0.09	$0.09	$0.07	$0.05	$0.05	$0.03	$0.03	$0.03	$0.03	$0.03	—	—	$0.84	$0.00	$1.04	$0.15	—
Book Value per Share (USD)	$33.04	$33.43	$30.90	$30.31	$29.42	$27.98	$27.33	$26.67	$27.04	$25.45	$24.87	—	$22.39	$23.13	$21.57	—	$19.77	$20.82	$21.90	—	$22.34	$21.81	$20.75	—	$19.52	$18.63	$18.10	—	$16.61	$17.69	$10.86	—	$10.77	$10.56	$10.71	—
Tangible Book Value per Share (USD)	$29.51	$29.89	$29.72	$29.12	$29.42	$26.79	$26.14	$25.50	$27.04	$25.45	$23.70	—	$21.23	$21.99	$20.42	—	$19.77	$20.82	$20.80	—	$21.25	$20.72	$19.67	—	$19.52	$18.63	$17.00	—	$16.60	$17.69	$10.86	—	$10.77	$10.56	$10.71	—
Basic Weighted Avg Shares (shares)	18.84M	19.10M	16.32M	—	16.24M	16.23M	16.42M	—	16.39M	16.43M	16.43M	—	16.84M	17.05M	17.05M	—	17.29M	17.49M	17.72M	—	17.93M	18.04M	18.07M	—	18.06M	18.06M	18.04M	—	17.99M	16.46M	14.77M	—	14.77M	14.77M	14.77M	—
Dividend Payout Ratio (%)	16.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	17.2% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	19.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	17.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	16.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	20.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	14.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	20.6% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	20.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.2% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	7.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	24.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	13.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	12.1% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	13.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	11.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.6% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	9.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	6.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	5.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	9.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	7.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	6.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	215.4% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	118.2% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	40.5% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$622.76M	$629.76M	$504.94M	$493.84M	$477.80M	$454.07M	$443.74M	$438.95M	$443.12M	$417.99M	$408.71M	$407.11M	$371.72M	$392.03M	$367.96M	$357.01M	$341.80M	$364.22M	$387.07M	$407.43M	$398.28M	$392.81M	$374.67M	$370.05M	$352.57M	$336.53M	$326.89M	$306.18M	$299.03M	$291.11M	$160.37M	$154.58M	$159.05M	$155.97M	$158.21M	$158.21M

📋 What is driving earnings? 4 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$65.27M	$64.49M	$54.15M	—	$54.18M	$54.67M	$49.15M	—	$47.93M	$48.60M	$46.78M	—	$47.97M	$81.69M	$45.01M	—	$56.04M	$55.94M	$53.64M	—	$56.97M	$51.84M	$56.04M	—	$62.93M	$55.34M	$49.07M	—	$40.68M	$38.54M	$36.62M	—	$38.08M	$36.41M	$34.19M	—
Depreciation Expense (USD)	$1.74M	$1.97M	$1.50M	$1.46M	$1.42M	—	$1.48M	$1.60M	$1.66M	$1.63M	$1.62M	$1.63M	—	—	$1.70M	$1.69M	$1.77M	$1.80M	$1.71M	$1.60M	—	—	$1.62M	$1.64M	$1.68M	$1.65M	$1.61M	$1.49M	—	$1.22M	$1.25M	$1.28M	$1.30M	$1.28M	$1.33M	—
Net Income, GAAP (USD)	$20.77M	$18.99M	$14.54M	$15.25M	$16.32M	$14.61M	$12.29M	$16.50M	$11.21M	$11.13M	$10.87M	$10.32M	$13.49M	$29.68M	$9.24M	$12.62M	$15.46M	$15.88M	$14.28M	$14.61M	$15.19M	$13.65M	$15.16M	$15.92M	$16.73M	$5.62M	$7.08M	$10.11M	$8.26M	$6.08M	$4.77M	$5.86M	$4.91M	$13.01M	$5.50M	—
Operating Cash Flow (USD)	$30.93M	$27.87M	$16.17M	$12.43M	$24.22M	—	$26.09M	$4.17M	$17.87M	$18.18M	$19.16M	$6.56M	—	—	$25.38M	$4.64M	$29.50M	$18.83M	$70.62M	$18.57M	—	—	$8.15M	$-28.22M	$42.42M	$-12.89M	$4.32M	$8.01M	—	$-7.67M	$29.33M	$-18.28M	$24.50M	$5.09M	$15.62M	—

🏛️ Sector-Specific 2 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Net Interest Margin (approx.) (%)	3.8%	3.7%	3.7%	3.8%	—	3.9%	3.5%	3.6%	—	—	3.4%	—	3.4%	3.3%	3.4%	—	—	—	3.0%	—	3.3%	3.2%	3.2%	3.4%	—	—	3.8%	3.5%	3.8%	—	3.6%	3.6%	—	—	—	—
Efficiency Ratio (%) (%)	58.3%	61.8%	65.6%	—	60.9%	61.4%	67.2%	—	69.1%	67.0%	68.3%	—	65.6%	49.6%	71.9%	—	66.7%	64.5%	70.7%	—	66.8%	70.9%	66.1%	—	57.2%	63.6%	69.3%	—	73.8%	77.7%	82.0%	—	75.2%	78.1%	81.5%	—

SOUTH PLAINS FINANCIAL, INC.

Analytical Summary

36-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

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Signals

Percentile Rankings

Peer Comparison

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