Dynamic factor (DF) is an important indicator for describing the dynamic action of a train on a bridge. For small‐ and medium‐span bridges, although existing research and codes have studied and specified the DF of steel–concrete composite beam bridges, few studies have been refined to steel‐plate–concrete composite beam bridges (SPCCBs), and the effect of eccentric loads has not been considered. Considering the poor torsional properties of SPCCBs, a double‐line railway SPCCB was used as the background, and the DF under eccentric loads was investigated. The results show that the DF increased with an increase in the bridge fundamental frequency. Resonance is produced when the train travel speed and bridge frequency meet a certain relationship, which in turn significantly increases the DF. The DF generated by a single‐car train is larger than that generated by a multicar train in the conditions of nonresonance speed interval. Finally, an empirical formula that is more applicable for describing the DFs is proposed based on the results of numerous numerical analyses. In the design of railway SPCCBs with small‐ and medium‐spans, the DFs used in national codes that do not consider the eccentric load are considered unsafe and can be appropriately adjusted upward. The study can provide support for the rapid design of double‐line railway SPCCBs with small‐ and medium‐spans.