SPFI (South Plains Financial) Interest Expense: $-83.4 Mil (TTM As of Mar. 2026)


SPFI South Plains Financial Inc SPFI
66 GF Score
Price $43.48
GF Value $40.60
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is South Plains Financial Interest Expense?

South Plains Financial SPFI +0.16% 66 Interest Expense is $-83.4 Mil as of Mar. 2026. GuruFocus rates SPFI with a GF Score™ of 66/100 and a GF Value™ of $40.60 (Fairly Valued). The stock has 5 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. South Plains Financial's interest expense for the three months ended in Mar. 2026 was $ -19.8 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was $-83.4 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. South Plains Financial's Operating Income for the three months ended in Mar. 2026 was $ Mil. South Plains Financial's Interest Expense for the three months ended in Mar. 2026 was $ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

South Plains Financial Interest Expense Historical Data

* Premium members only.

The historical data trend for South Plains Financial's Interest Expense can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

South Plains Financial Interest Expense Chart

South Plains Financial Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only -13.27 -22.69 -72.29 -93.80 -85.00

South Plains Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -21.40 -21.63 -21.50 -20.47 -19.78
SPFI
66GF Score
South Plains Financial Inc SPFI
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

South Plains Financial Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-83.4 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-83.4 Mil mean?
South Plains Financial (SPFI) has a Interest Expense of $-83.4 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on South Plains Financial and its competitors.
Is South Plains Financial's Interest Expense too high?
South Plains Financial's current Interest Expense is $-83.4 Mil. Overall, South Plains Financial has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does South Plains Financial's Interest Expense compare to HTB and SMBK?
South Plains Financial's Interest Expense of $-83.4 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on South Plains Financial and its competitors. South Plains Financial's current Interest Expense is $-83.4 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is South Plains Financial stock overvalued right now?
Based on GuruFocus' analysis, South Plains Financial (SPFI) is currently considered Fairly Valued. The stock's GF Value™ is $40.60, compared to a current price of $43.48 — trading 7.1% above its estimated fair value. The current Interest Expense is $-83.4 Mil. South Plains Financial's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For South Plains Financial (SPFI), the current Interest Expense is $-83.4 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is South Plains Financial (SPFI) Overvalued in 2026?

Based on GuruFocus' analysis, South Plains Financial stock appears to be overvalued. The current stock price of $43.48 is trading 7.1% above its estimated GF Value™ of $40.60. GuruFocus considers South Plains Financial to be Fairly Valued.

Key valuation signals for SPFI:

  • Interest Expense: $-83.4 Mil
  • GF Value™: $40.60 vs. price of $43.48 (7.1% above fair value)
  • GF Score™: 66/100 with 5 warning signs

No single metric tells the full story. See the SPFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

South Plains Financial Business Description

Other Exchanges 4S4:Germany
Address 5219 City Bank Parkway, Lubbock, TX, USA, 79407
South Plains Financial Inc operates as a bank holding company. The company provides a wide range of commercial and consumer financial services to small and medium-sized businesses and individuals. The principal business activities include commercial and retail banking, along with insurance, investment, trust, and mortgage services. The company has one reportable segment: banking. The majority of the company's revenues is derived from interest income and other sources, including loans, securities and derivatives.
66GF Score

Get the complete analysis for SPFI

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.48
Price
$40.60
GF Value