RRBI vs SPFI
RRBI: A Louisiana-focused community bank serving seven statewide markets with a relationship-driven commercial and retail banking franchise, achieving strong profitability with record Q1 2026 earnings and a consistent 3.51% net interest margin. SPFI: An independent West Texas community bank with $4.5 billion in assets serving small and mid-sized businesses across Texas and New Mexico markets.
Side-by-side fundamentals
| Metric | RRBI | SPFI | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $97.23 | $44.25 | |
| Market cap as of 2026-07-25 | $654M | $857M | |
| P/E as of 2026-07-25 | 14.73 | 13.16 | SPFI lower |
| PEG as of 2026-07-25 | 0.57 | 0.83 | RRBI lower |
| Net margin as of 2026-07-25 | +33.6% | +29.1% | RRBI higher |
| Operating margin as of 2026-07-25 | +41.3% | +36.8% | RRBI higher |
| ROE as of 2026-07-25 | +12.5% | +12.4% | RRBI higher |
| ROA as of 2026-07-25 | +1.4% | +1.4% | SPFI higher |
| Debt / equity as of 2026-07-25 | 0.00 | 0.10 | RRBI lower |
| Revenue growth (YoY) as of 2026-07-25 | +29.8% | +34.4% | SPFI higher |
| Dividend yield as of 2026-07-25 | +1.0% | +1.6% | SPFI higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-25 | 0.42 | 0.48 | |
| 1-year return as of 2026-07-23 close | +63.5% | +11.9% | RRBI higher |
Fundamentals: Finnhub, as of 2026-07-25. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.