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River City Bank (RCBC)
OTHER OTC:RCBC
RCBC Stock Chart & Stats
$42.50
-$11.00(-3.49%)
At close: 4:00 PM EST
$42.50
-$11.00(-3.49%)
Day’s Range― - ―
52-Week Range$31.16 - $50.00
Previous CloseN/A
Volume7.00
Average Volume (3M)298.00
Market Cap
$634.52M
Enterprise Value$359.07M
Total Cash (Recent Filing)N/A
Total Debt (Recent Filing)N/A
Price to Earnings (P/E)8.9
Beta0.41
Next Earnings
Apr 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.36%
Share Statistics
EPS (TTM)N/A
Shares Outstanding14,503,240
10 Day Avg. Volume93
30 Day Avg. Volume298
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)0.94
Price to Sales (P/S)3.17
P/FCF Ratio7.45
Enterprise Value/Market Cap0.57
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained revenue growth near 25% indicates expanding core lending and fee businesses, supporting longer-term earnings power. That magnitude of top-line expansion helps absorb shocks, fund investment in services, and underpins durable profitability if credit quality and cost control remain intact.
Debt Elimination / Balance SheetRemoving total debt materially reduces financial leverage and interest burden, increasing strategic flexibility. A debt-free position lowers default risk, enhances resilience in downturns, and permits capital deployment toward loans, reserves, or shareholder returns without additional borrowing needs.
Cash Flow GenerationStrong operating and free cash flow metrics show the bank converts earnings into cash reliably, supporting loan growth, capital needs, and dividend or buyback capacity. High conversion ratios point to quality earnings and reduce reliance on external funding for core operations.
Bears Say
Low Equity RatioAn equity ratio under 10% implies significant leverage typical for banking but raises sensitivity to credit losses or prolonged earnings pressure. Lower capital cushions limit loss-absorption capacity and may require capital actions in stress, constraining long-term strategic options.
Declining Free Cash FlowA double-digit drop in free cash flow can signal emerging pressures on liquidity or higher cash requirements for operations or investments. If the decline persists it could limit capacity for organic growth, capital returns, or building reserves against credit deterioration.
Limited Operational ReportingMissing standard operational metrics like EBITDA constrains apples-to-apples performance analysis versus peers, reducing transparency for investors and management benchmarking. Persistent reporting gaps make it harder to assess core operating efficiency over time and identify structural issues.
River City Bank News
RCBC FAQ
What was River City Bank’s price range in the past 12 months?
River City Bank lowest stock price was $31.16 and its highest was $50.00 in the past 12 months.
What is River City Bank’s market cap?
River City Bank’s market cap is $634.52M.
When is River City Bank’s upcoming earnings report date?
River City Bank’s upcoming earnings report date is Apr 22, 2026 which is in 49 days.
How were River City Bank’s earnings last quarter?
Currently, no data Available
Is River City Bank overvalued?
According to Wall Street analysts River City Bank’s price is currently Overvalued.
Does River City Bank pay dividends?
River City Bank pays a Quarterly dividend of $0.04 which represents an annual dividend yield of 0.36%. See more information on River City Bank dividends here
What is River City Bank’s EPS estimate?
River City Bank’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does River City Bank have?
River City Bank has 14,503,240 shares outstanding.
What happened to River City Bank’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of River City Bank?
Currently, no hedge funds are holding shares in RCBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
River City Bank Stock Smart Score
Neutral
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Company Description
River City Bank
River City Bank provides various banking services for business, consumer, and commercial real estate sectors in the United States. It offers checking, savings, and term certificate accounts. The company also provides personal loans, home equity loans, revolving lines of credit, non-revolving line of credit, and letters of credit, as well as commercial real estate, agriculture, and residential mortgage loans. In addition, it provides cash management services; lockbox, clean energy, and premier banking services; debit and credit cards; and online and mobile banking services. The company operates nine branch locations within El Dorado, Placer, Sacramento, and Yolo counties, as well as two loan production offices in San Francisco and Sonoma counties. River City Bank was founded in 1963 is headquartered in Sacramento, California.
Technical Analysis
Hingham Institution For Savings
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