Which has the lower trailing P/E, RCBC or SMBC?

RCBC has the lower trailing P/E: RCBC trades at 10.10 and SMBC at 11.18. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, RCBC or SMBC?

Over the past five years, RCBC grew revenue faster — RCBC at a 30.88% CAGR versus SMBC at 19.02%.

Does RCBC or SMBC pay a bigger dividend?

RCBC yields 0.35% and SMBC yields 1.42% based on trailing dividends and the latest price.

Is RCBC or SMBC more profitable?

RCBC runs the higher net margin — RCBC at 25.13% versus SMBC at 23.23%.

How have RCBC and SMBC total returns compared?

Over the past 10 years, RCBC delivered 16.32% and SMBC delivered 13.14% annualized total return. Past performance doesn't predict future results.

River City Bank (RCBC) vs Southern Missouri Bancorp, Inc. (SMBC)

A side-by-side comparison of River City Bank and Southern Missouri Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

RCBC

River City Bank

$789M

$54.75Financial ServicesDelayed quote: Oct 6, 2026, 2:01 PM EDT

SMBC

Southern Missouri Bancorp, Inc.

$792M

$71.86Financial ServicesDelayed quote: Oct 6, 2026, 2:04 PM EDT

Total return — RCBC vs SMBC

growth of $100 · dividends reinvested · last 10y

RCBC +353.5% (+16.3%/yr)SMBC +244.3% (+13.2%/yr)RCBC compounded faster over this window

RCBC SMBC

RCBC vs SMBC: by the numbers

•SMBC is the larger company ($792M vs $789M market cap).
•RCBC trades at the lower trailing earnings multiple (10.10 vs 11.18 P/E), one valuation lens rather than an overall verdict.
•RCBC converts more revenue to profit (25.13% vs 23.23% net margin).
•RCBC grew revenue faster over the past five years (30.88% vs 19.02% CAGR).
•SMBC pays the higher dividend yield (1.42% vs 0.35%).

Metrics side by side

Valuation

Metric	RCBC	SMBC
P/E ratio	10.10	11.18
Forward P/E	10.91	10.82
PEG ratio	0.60	2.62
P/S ratio	2.53	2.56
P/B ratio	1.39	1.34

Profitability

Metric	RCBC	SMBC
Operating margin	34.68%	28.70%
Net margin	25.13%	23.23%
ROE	13.78%	12.16%

River City Bank: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Southern Missouri Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	RCBC	SMBC
Dividend yield	0.35%	1.42%
Payout ratio	3.51%	15.86%

Growth (annualized)

Metric	RCBC	SMBC
Revenue CAGR (5Y)	30.88%	19.02%
EPS CAGR (5Y)	16.80%	4.32%
Total return CAGR (5Y)	14.99%	11.41%

Frequently asked

Which has the lower trailing P/E, RCBC or SMBC?: RCBC has the lower trailing P/E: RCBC trades at 10.10 and SMBC at 11.18. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, RCBC or SMBC?: Over the past five years, RCBC grew revenue faster — RCBC at a 30.88% CAGR versus SMBC at 19.02%.
Does RCBC or SMBC pay a bigger dividend?: RCBC yields 0.35% and SMBC yields 1.42% based on trailing dividends and the latest price.
Is RCBC or SMBC more profitable?: RCBC runs the higher net margin — RCBC at 25.13% versus SMBC at 23.23%.
How have RCBC and SMBC total returns compared?: Over the past 10 years, RCBC delivered 16.32% and SMBC delivered 13.14% annualized total return. Past performance doesn't predict future results.

Go deeper

Full RCBC analysis Full SMBC analysis Interactive comparison tool

Dig into the metrics

River City Bank P/E ratio Southern Missouri Bancorp P/E ratio River City Bank dividend yield Southern Missouri Bancorp dividend yield River City Bank ROE Southern Missouri Bancorp ROE River City Bank operating margin Southern Missouri Bancorp operating margin River City Bank revenue growth Southern Missouri Bancorp revenue growth

River City Bank & Southern Missouri Bancorp appear in these rankings

Fastest Revenue Growth Stocks Highest Operating Margin Stocks Highest 10-Year Total Return Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.