# SOUTH PLAINS FINANCIAL, INC. (SPFI) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from SOUTH PLAINS FINANCIAL, INC.'s 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/SPFI/mda/fy2025/): filed 2026-03-05; accession 0001140361-26-008087 (https://www.sec.gov/Archives/edgar/data/1163668/000114036126008087/ef20060591_10k.htm); latest 10-K
- [FY 2024 MD&A](/company/SPFI/mda/fy2024/): filed 2025-03-07; accession 0001140361-25-007609 (https://www.sec.gov/Archives/edgar/data/1163668/000114036125007609/ef20039031_10k.htm)
- [FY 2023 MD&A](/company/SPFI/mda/fy2023/): filed 2024-03-15; accession 0001140361-24-013519 (https://www.sec.gov/Archives/edgar/data/1163668/000114036124013519/ef20015269_10k.htm)
- [FY 2022 MD&A](/company/SPFI/mda/fy2022/): filed 2023-03-13; accession 0001140361-23-011435 (https://www.sec.gov/Archives/edgar/data/1163668/000114036123011435/brhc10049609_10k.htm)
- [FY 2021 MD&A](/company/SPFI/mda/fy2021/): filed 2022-03-08; accession 0001140361-22-008216 (https://www.sec.gov/Archives/edgar/data/1163668/000114036122008216/brhc10034805_10k.htm)

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