River City Bank (RCBC) vs South Plains Financial (SPFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
River City Bank (RCBC) has outperformed South Plains Financial (SPFI) over the past year, gaining 41.9% versus a gain of 11.1%. Over five years, RCBC leads with a +95.2% price change compared with +73.1% for SPFI. South Plains Financial is the larger company by market cap ($806.3 million vs $765.5 million), about 1.1 times the size.
On valuation, South Plains Financial trades at a lower forward P/E (10.3x vs 11.0x for River City Bank). South Plains Financial offers the higher dividend yield (1.54% vs 0.35%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | RCBC | SPFI |
|---|---|---|
| Share price | $54.70 | $42.80 |
| Market cap | $765.52M | $806.31M |
| 1-day change | +0.09% | +0.56% |
| YTD return | +24.54% | +9.69% |
| 1-year return | +41.95% | +11.12% |
| 5-year return | +95.18% | +73.08% |
| P/E ratio (TTM) | 11.66 | 11.66 |
| Forward P/E | 11.03 | 10.27 |
| EPS (TTM) | $4.69 | $3.67 |
| Dividend yield | 0.35% | 1.54% |
| Annual dividend | $0.19 | $0.66 |
| 52-week high | $55.77 | $46.94 |
| 52-week low | $38.20 | $35.34 |
| Distance from 52-week high | -1.92% | -8.82% |
| Analyst consensus | none | none |
| Avg. price target upside | +2.38% | +18.57% |
| Average volume | 58.20K | 125.67K |
| Shares outstanding | 13.99M | 18.84M |
| Employees | — | 545 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- RCBC has outperformed SPFI by 30.8 percentage points over the past year.
- South Plains Financial offers a meaningfully higher dividend yield (1.54% vs 0.35%).
About River City Bank
RCBC stock →River City Bank, together with its subsidiaries, provides various banking products and services. The company offers checking, savings, and term certificate accounts.
Finance · Major Banks
About South Plains Financial
SPFI stock →South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals.
Finance · Major Banks · 545 employees
RCBC vs SPFI FAQ
Which is bigger, River City Bank or South Plains Financial?
South Plains Financial (SPFI) is larger, with a market capitalization of $806.31M compared with $765.52M for River City Bank (RCBC).
Which stock has performed better over the past year, RCBC or SPFI?
RCBC returned +41.95% over the past 12 months, compared with +11.12% for SPFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, RCBC or SPFI?
SPFI has the lower trailing P/E at 11.7, versus 11.7 for RCBC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, River City Bank or South Plains Financial?
South Plains Financial has the higher yield at 1.54%, compared with 0.35% for River City Bank.
Are River City Bank and South Plains Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.