SOUTH PLAINS FINANCIAL, INC.

South Plains Financial, Inc. (SPFI) has registered zero cyber incidents and zero material red-flag 8-K filings over the past 90 days, indicating a quiet recent period by our monitoring standards. However, absence of recent events does not establish baseline risk; a 90-day window captures only recent volatility. The full $49 Report extends analysis to 12 months of SEC filings, adds dilution risk scoring, financing history, and AI-detected signals that our real-time pipeline may not surface. The full $49 Report adds institutional-grade context on capital structure, insider activity patterns, and early-warning indicators across a full fiscal cycle.