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

RCBC has the lower trailing P/E: RCBC trades at 10.09 and SPFI at 11.65. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, RCBC or SPFI?

Over the past five years, RCBC grew revenue faster — RCBC at a 30.88% CAGR versus SPFI at 5.08%.

Does RCBC or SPFI pay a bigger dividend?

RCBC yields 0.35% and SPFI yields 1.58% based on trailing dividends and the latest price.

Is RCBC or SPFI more profitable?

RCBC runs the higher net margin — RCBC at 25.13% versus SPFI at 21.48%.

How have RCBC and SPFI total returns compared?

Over the past 5 years, RCBC delivered 14.99% and SPFI delivered 13.77% annualized total return. Past performance doesn't predict future results.

River City Bank (RCBC) vs South Plains Financial, Inc. (SPFI)

A side-by-side comparison of River City Bank and South Plains Financial, 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

$788M

$54.70Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

SPFI

South Plains Financial, Inc.

$819M

$42.76Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — RCBC vs SPFI

growth of $100 · dividends reinvested · last 7y

RCBC +195.4% (+16.7%/yr)SPFI +169.7% (+15.2%/yr)RCBC compounded faster over this window

RCBC SPFI

RCBC vs SPFI: by the numbers

•SPFI is the larger company ($819M vs $788M market cap).
•RCBC trades at the lower trailing earnings multiple (10.09 vs 11.65 P/E), one valuation lens rather than an overall verdict.
•RCBC converts more revenue to profit (25.13% vs 21.48% net margin).
•RCBC grew revenue faster over the past five years (30.88% vs 5.08% CAGR).
•SPFI pays the higher dividend yield (1.58% vs 0.35%).

Metrics side by side

Valuation

Metric	RCBC	SPFI
P/E ratio	10.09	11.65
Forward P/E	10.90	10.96
PEG ratio	0.60	1.79
P/S ratio	2.53	2.70
P/B ratio	1.39	1.30

Profitability

Metric	RCBC	SPFI
Operating margin	34.68%	27.18%
Net margin	25.13%	21.48%
ROE	13.78%	10.34%

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.

South Plains Financial, 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	SPFI
Dividend yield	0.35%	1.58%
Payout ratio	3.51%	18.53%

Growth (annualized)

Metric	RCBC	SPFI
Revenue CAGR (5Y)	30.88%	5.08%
EPS CAGR (5Y)	16.80%	7.48%
Total return CAGR (5Y)	14.99%	13.77%

Frequently asked

Which has the lower trailing P/E, RCBC or SPFI?: RCBC has the lower trailing P/E: RCBC trades at 10.09 and SPFI at 11.65. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, RCBC or SPFI?: Over the past five years, RCBC grew revenue faster — RCBC at a 30.88% CAGR versus SPFI at 5.08%.
Does RCBC or SPFI pay a bigger dividend?: RCBC yields 0.35% and SPFI yields 1.58% based on trailing dividends and the latest price.
Is RCBC or SPFI more profitable?: RCBC runs the higher net margin — RCBC at 25.13% versus SPFI at 21.48%.
How have RCBC and SPFI total returns compared?: Over the past 5 years, RCBC delivered 14.99% and SPFI delivered 13.77% annualized total return. Past performance doesn't predict future results.

Go deeper

Full RCBC analysis Full SPFI analysis Interactive comparison tool

Dig into the metrics

River City Bank P/E ratio South Plains Financial P/E ratio River City Bank dividend yield South Plains Financial dividend yield River City Bank ROE South Plains Financial ROE River City Bank operating margin South Plains Financial operating margin River City Bank revenue growth South Plains Financial revenue growth

River City Bank & South Plains Financial 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.