Financial Statements — SPFI
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.79 | 0.72 | 0.64 | 0.47 | 0.54 | 0.47 | 0.30 | 0.37 | 0.35 | 0.30 | 0.33 | 0.33 | 0.38 | 0.53 | 0.33 | 0.38 | 0.41 |
| Net Loans & Leases | 3.72 | 3.06 | 3.01 | 3.05 | 3.03 | 2.99 | 3.05 | 2.97 | 2.95 | 2.94 | 2.75 | 2.65 | 2.54 | 2.41 | 2.39 | 2.26 | -- |
| Total Assets | 5.39 | 4.65 | 4.48 | 4.36 | 4.41 | 4.34 | 4.22 | 4.22 | 4.19 | 4.15 | 4.06 | 3.99 | 3.97 | 4.00 | 3.77 | 3.71 | 3.73 |
| Total Deposits | 4.64 | 4.03 | 3.88 | 3.74 | 3.79 | 3.72 | 3.62 | 3.64 | 3.62 | 3.57 | 3.51 | 3.46 | 3.43 | 3.45 | 3.21 | 3.16 | 3.16 |
| Total Liabilities | 4.76 | 4.14 | 4.00 | 3.91 | 3.96 | 3.89 | 3.80 | 3.81 | 3.81 | 3.76 | 3.69 | 3.65 | 3.61 | 3.61 | 3.38 | 3.32 | 3.36 |
| Retained Earnings | 0.46 | 0.45 | 0.42 | 0.41 | 0.40 | 0.37 | 0.36 | 0.35 | 0.34 | 0.33 | 0.30 | 0.28 | 0.27 | 0.26 | 0.23 | 0.22 | 0.20 |
| Total Stockholder Equity | 0.63 | 0.50 | 0.48 | 0.45 | 0.44 | 0.44 | 0.42 | 0.41 | 0.37 | 0.39 | 0.37 | 0.34 | 0.36 | 0.39 | 0.40 | 0.39 | 0.37 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Interest & Dividend Income | 75.00 | 62.63 | 63.42 | 64.52 | 64.14 | 59.92 | 61.32 | 61.64 | 59.21 | 58.73 | 57.24 | 56.53 | 50.82 | 47.45 | 46.23 | 41.11 | 40.75 | 33.08 | 34.60 | 34.44 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 23.36 | 22.07 | 20.84 | 16.24 | 13.13 | 9.91 | 6.01 | 3.65 | 3.13 | 3.15 | 3.26 |
| Net Interest Income | 50.35 | 42.85 | 42.95 | 43.02 | 42.50 | 38.53 | 38.55 | 37.29 | 35.89 | 35.37 | 35.16 | 35.69 | 34.58 | 34.32 | 36.32 | 35.10 | 37.10 | 29.95 | 31.45 | 31.18 |
| Provision for Credit Losses | 0.35 | 0.26 | 1.78 | 0.50 | 2.50 | 0.42 | 1.20 | 0.50 | 1.78 | 0.83 | 0.60 | (0.70) | 3.70 | 1.01 | 0.25 | (0.78) | 0.00 | (2.08) | 0.00 | 0.00 |
| Non-interest Income | 14.14 | 11.30 | 10.93 | 11.17 | 12.17 | 10.63 | 13.32 | 10.64 | 12.71 | 11.41 | 9.15 | 12.28 | 47.11 | 10.69 | 12.68 | 20.94 | 18.84 | 23.70 | 22.93 | 25.79 |
| Non-interest Expense | 39.86 | 35.53 | 33.02 | 33.02 | 33.54 | 33.03 | 29.95 | 33.13 | 32.57 | 31.93 | 30.60 | 31.49 | 40.50 | 32.36 | 32.71 | 37.40 | 36.06 | 37.92 | 36.13 | 38.06 |
| Pretax Income | 24.28 | 18.36 | 19.09 | 20.66 | 18.63 | 15.70 | 20.72 | 14.31 | 14.25 | 14.02 | 13.11 | 17.18 | 37.49 | 11.64 | 16.04 | 19.42 | 19.88 | 17.81 | 18.25 | 18.91 |
| Tax Provision | 5.29 | 3.82 | 3.83 | 4.34 | 4.02 | 3.41 | 4.22 | 3.09 | 3.12 | 3.14 | 2.79 | 3.68 | 7.81 | 2.39 | 3.42 | 3.96 | 4.00 | 3.53 | 3.63 | 3.72 |
| Net Income | 18.99 | 14.55 | 15.25 | 16.32 | 14.61 | 12.29 | 16.50 | 11.21 | 11.13 | 10.87 | 10.32 | 13.49 | 29.68 | 9.24 | 12.62 | 15.46 | 15.88 | 14.28 | 14.61 | 15.19 |
| Basic EPS | 0.99 | 0.89 | 0.94 | 1.00 | 0.90 | 0.75 | 1.01 | 0.68 | 0.68 | 0.66 | 0.65 | 0.80 | 1.74 | 0.54 | 0.74 | 0.89 | 0.91 | 0.81 | 0.81 | 0.85 |
| Diluted EPS | 0.96 | 0.85 | 0.90 | 0.96 | 0.86 | 0.72 | 0.96 | 0.66 | 0.66 | 0.64 | 0.60 | 0.78 | 1.71 | 0.53 | 0.71 | 0.86 | 0.88 | 0.78 | 0.79 | 0.82 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 27.87 | 16.17 | 12.43 | 24.22 | 14.75 | 26.10 | 4.17 | 17.87 | 18.18 | 19.16 | 6.56 | 26.25 | 0.35 | 25.38 | 4.64 | 29.50 | 18.83 | 70.62 | 18.57 | 8.49 |
| Capital Expenditures | 1.04 | 1.35 | 1.05 | 1.75 | 1.73 | 1.14 | 1.03 | 0.77 | 1.08 | 0.47 | -0.00 | 1.23 | 1.89 | 1.56 | 1.18 | 1.30 | 0.68 | 1.32 | 0.60 | 1.13 |
| Free Cash Flow* | 26.84 | 14.82 | 11.39 | 22.46 | 13.02 | 24.96 | 3.14 | 17.10 | 17.10 | 18.69 | 6.56 | 25.02 | (1.54) | 23.82 | 3.47 | 28.20 | 18.15 | 69.30 | 17.97 | 7.37 |
| Investing Cash Flow | 51.79 | 3.09 | (84.72) | 51.86 | (25.59) | (9.77) | (14.69) | 63.73 | (75.46) | 12.50 | (13.62) | (3.95) | (94.48) | (31.33) | (38.92) | (98.03) | (139.30) | (132.60) | 16.94 | (108.68) |
| Financing Cash Flow | (13.90) | 150.30 | (10.32) | 88.47 | (54.95) | 160.90 | (101.56) | 91.56 | (16.65) | 10.12 | (15.21) | 34.54 | 61.71 | 99.07 | (60.80) | 22.81 | (32.45) | 103.77 | 123.71 | 43.84 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Dividends Per Share | 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 |
