River City Bank (RCBC) Ratios

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River City Bank Ratios

See a summary of RCBC’s cash flow.

Ratios	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	19.59	0.08	0.13	0.05
Quick Ratio	―	19.59	0.08	0.13	0.05
Cash Ratio	―	18.68	0.03	0.13	0.05
Solvency Ratio	―	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	―	2.99	0.01	0.02	0.02
Short-Term Operating Cash Flow Coverage	―	2.99	1.23	1.40	0.64
Net Current Asset Value	$ ―	$ -4.76B	$ -4.32B	$ -3.97B	$ -3.53B
Leverage Ratios
Debt-to-Assets Ratio	―	<0.01	0.01	0.01	0.03
Debt-to-Equity Ratio	―	0.05	0.11	0.12	0.29
Debt-to-Capital Ratio	―	0.05	0.10	0.11	0.22
Long-Term Debt-to-Capital Ratio	―	0.00	0.00	0.00	0.00
Financial Leverage Ratio	―	10.59	10.61	11.81	11.45
Debt Service Coverage Ratio	―	0.41	0.34	0.43	0.44
Interest Coverage Ratio	―	0.68	0.73	0.92	3.58
Debt to Market Cap	―	0.04	0.11	0.15	0.28
Interest Debt Per Share	―	11.45	13.20	9.71	8.10
Net Debt to EBITDA	―	-4.74	-1.01	-5.76	-0.63
Profitability Margins
Gross Profit Margin	―	49.50%	100.00%	100.00%	100.00%
EBIT Margin	―	33.72%	72.11%	70.37%	67.02%
EBITDA Margin	―	33.72%	66.77%	71.33%	71.49%
Operating Profit Margin	―	33.72%	72.11%	70.37%	67.02%
Pretax Profit Margin	―	33.72%	72.11%	70.37%	67.02%
Net Profit Margin	―	24.26%	51.06%	49.80%	47.75%
Continuous Operations Profit Margin	―	24.26%	51.06%	49.80%	47.75%
Net Income Per EBT	―	71.95%	70.81%	70.77%	71.25%
EBT Per EBIT	―	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	―	1.18%	1.43%	1.22%	1.18%
Return on Equity (ROE)	―	12.47%	15.14%	14.44%	13.55%
Return on Capital Employed (ROCE)	―	1.64%	12.69%	12.19%	6.65%
Return on Invested Capital (ROIC)	―	1.18%	8.46%	8.09%	4.26%
Return on Tangible Assets	―	1.18%	1.43%	1.22%	12.98%
Earnings Yield	―	10.69%	16.10%	17.97%	13.43%
Efficiency Ratios
Receivables Turnover	―	12.15	6.75	7.27	8.30
Payables Turnover	―	0.00	0.00	0.00	0.00
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	23.22	11.80	9.64	7.51
Asset Turnover	―	0.05	0.03	0.02	0.02
Working Capital Turnover Ratio	―	-0.16	-0.04	-0.04	-0.04
Cash Conversion Cycle	―	30.04	54.08	50.22	43.96
Days of Sales Outstanding	―	30.04	54.08	50.22	43.96
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	0.00	0.00	0.00
Operating Cycle	―	30.04	54.08	50.22	43.96
Cash Flow Ratios
Operating Cash Flow Per Share	―	5.24	4.21	4.71	4.35
Free Cash Flow Per Share	―	5.17	4.16	4.69	4.27
CapEx Per Share	―	0.07	0.05	0.02	0.08
Free Cash Flow to Operating Cash Flow	―	0.99	0.99	1.00	0.98
Dividend Paid and CapEx Coverage Ratio	―	22.82	21.73	29.43	20.76
Capital Expenditure Coverage Ratio	―	75.50	92.28	237.25	56.27
Operating Cash Flow Coverage Ratio	―	2.88	1.20	1.36	0.64
Operating Cash Flow to Sales Ratio	―	0.27	0.43	0.58	0.64
Free Cash Flow Yield	―	11.79%	13.43%	20.83%	17.78%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	9.35	6.21	5.56	7.45
Price-to-Sales (P/S) Ratio	―	2.27	3.17	2.77	3.56
Price-to-Book (P/B) Ratio	―	1.17	0.94	0.80	1.01
Price-to-Free Cash Flow (P/FCF) Ratio	―	8.48	7.45	4.80	5.62
Price-to-Operating Cash Flow Ratio	―	8.37	7.36	4.78	5.52
Price-to-Earnings Growth (PEG) Ratio	―	-1.56	0.27	0.22	1.08
Price-to-Fair Value	―	1.17	0.94	0.80	1.01
Enterprise Value Multiple	―	1.99	3.74	-1.87	4.35
Enterprise Value	―	189.05M	359.07M	-161.70M	311.10M
EV to EBITDA	―	1.99	3.74	-1.87	4.35
EV to Sales	―	0.67	2.50	-1.33	3.11
EV to Free Cash Flow	―	2.51	5.86	-2.31	4.91
EV to Operating Cash Flow	―	2.47	5.80	-2.30	4.82
Tangible Book Value Per Share	―	37.61	32.95	28.04	22.98
Shareholders’ Equity Per Share	―	37.61	32.95	28.04	23.79
Tax and Other Ratios
Effective Tax Rate	―	0.28	0.29	0.29	0.29
Revenue Per Share	―	19.33	9.77	8.13	6.75
Net Income Per Share	―	4.69	4.99	4.05	3.22
Tax Burden	―	0.72	0.71	0.71	0.71
Interest Burden	―	1.00	1.00	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.11	0.22	0.03	0.03
Stock-Based Compensation to Revenue	―	0.00	0.01	0.01	0.02
Income Quality	―	1.12	0.84	1.16	1.35

Currency in USD