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

River City Bank and South Plains Financial, Inc. are both Banks Regional companies. River City Bank and South Plains Financial, Inc. are of similar size ($828.4M and $807.8M). Across the 5 metrics below, South Plains Financial, Inc. leads on 4 and River City Bank on 1.

Valuation

Metric RCBC SPFI Banks Regional median
P/E — 10.93 12.02
P/S n/m 2.47 2.36
P/B 1.53 1.30 1.23
Price to free cash flow n/m 9.65 10.60
EV/EBITDA n/m — —
EV/Sales n/m — —
Earnings yield — 9.15% 8.21%
Free cash flow yield 0.00% 10.36% 9.23%

Profitability

Metric RCBC SPFI Banks Regional median
Gross margin — 72.58% 69.81%
Operating margin — 0.00% 0.00%
Net margin — 21.23% 18.82%
Free cash flow margin — 25.54% 17.97%
Return on equity — 12.64% 10.28%
Return on assets — 1.41% 1.13%
Return on invested capital 0.00% 0.00% 8.45%

Growth

Metric RCBC SPFI Banks Regional median
Revenue growth (TTM) — 10.25% 6.37%
EPS growth (last fiscal year) (5.98%) 17.81% 18.85%
Revenue growth, 5-year CAGR — 4.36% 12.65%
Net income growth, 5-year CAGR — 5.21% 9.81%

Health

Metric RCBC SPFI Banks Regional median
Debt to equity 0.00 0.10 0.17
Current ratio 0.91 0.97 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RCBC SPFI Banks Regional median
Dividend yield — 1.66% 2.49%
Payout ratio — 0.19 0.29

Size

Metric RCBC SPFI Banks Regional median
Market cap 828.41m 807.80m 934.85m

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