River City Bank (RCBC) AI Stock Analysis

• Market Cap: $538.80M
• Dividend Yield: 0.44%
• Average Volume (3M): 159.00
• Price to Earnings (P/E): 7.3
• Beta (1Y): 0.46
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 1,476,542
• 10 Day Avg. Volume: 56
• 30 Day Avg. Volume: 159
• PEG Ratio: N/A
• Price to Book (P/B): 1.06
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.41
• Enterprise Value/Market Cap: 0.68
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: 21.24
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 79 Outperform
• Price Target: ―

River City Bank is well-positioned with strong financial fundamentals and an attractive valuation. The elimination of debt and robust profitability metrics underscore its financial health, while a high dividend yield and low P/E ratio make it appealing for value investors. However, mixed technical indicators suggest caution in the near term, with neutral momentum and no clear trend direction. Overall, the stock holds promise for growth and income, but investors should monitor technical signals closely.

River City Bank Business Overview & Revenue Model

Company Description

River City Bank (RCBC) is a regional financial institution that provides a comprehensive range of banking services to individuals, businesses, and government entities. The bank operates in the financial services sector, offering core products such as personal and business banking, mortgage lending, wealth management, and commercial loans. RCBC is dedicated to delivering customer-focused solutions with an emphasis on community development and financial growth.

How the Company Makes Money

River City Bank generates revenue primarily through interest income from loans and credit products extended to customers, including personal loans, mortgages, and commercial loans. Additionally, the bank earns money from non-interest income sources, such as fees and service charges associated with deposit accounts, transaction services, and wealth management advisory services. RCBC also benefits from strategic partnerships with financial technology firms and other financial institutions, which enhance its service offerings and contribute to its earnings.

River City Bank Financial Statement Overview

Summary

Overall, River City Bank is in a strong financial position, characterized by solid revenue growth, improved profitability, and effective cost management. The elimination of debt strengthens the balance sheet, although maintaining a low equity ratio is typical for the sector. Cash flow metrics remain healthy, despite a slight decline in free cash flow, underscoring the need for ongoing cash management. The bank is well-positioned for continued growth with sound financial practices.

Income Statement

River City Bank has demonstrated strong revenue growth with a 24.89% increase from the previous year, indicating robust business expansion. The gross profit margin remained steady at 100%, reflecting efficient cost management. The net profit margin improved to 48.51%, showcasing enhanced profitability. EBIT margin is notably high at 73.49%, indicating effective operational management. However, the absence of reported EBITDA slightly limits the assessment of operational cash flow strength.

Balance Sheet

The bank maintains a solid equity base with an equity ratio of 9.42%, although it is relatively low, indicating significant leverage typical in the banking industry. The debt-to-equity ratio has improved to 0.00 due to the elimination of total debt, highlighting financial prudence. ROE stands at 15.14%, reflecting effective utilization of equity to generate profits, though slightly lower compared to peers in the banking sector.

Cash Flow

River City Bank shows strong cash flow management with positive free cash flow and a healthy operating cash flow to net income ratio of 0.84. The free cash flow to net income ratio is robust at 0.83, indicating good cash generation relative to profit. However, a 12.42% decrease in free cash flow from the previous year suggests a need to monitor future cash flow trends closely.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	0.00	143.75M	121.15M	118.56M	115.90M	73.45M
Gross Profit	0.00	143.75M	121.15M	100.15M	103.30M	105.31M
EBITDA	16.92M	95.98M	86.42M	71.60M	69.54M	47.29M
Net Income	4.20M	73.40M	60.34M	47.82M	44.48M	31.63M
Balance Sheet
Total Assets	0.00	5.14B	4.93B	4.04B	3.66B	3.32B
Cash, Cash Equivalents and Short-Term Investments	0.00	148.67M	549.03M	146.59M	161.06M	193.01M
Total Debt	0.00	0.00	51.63M	101.53M	10.72M	16.86M
Total Liabilities	0.00	4.66B	4.51B	3.69B	3.35B	3.05B
Stockholders Equity	418.00M	484.74M	417.73M	353.01M	308.36M	269.48M
Cash Flow
Free Cash Flow	0.00	61.25M	69.93M	62.85M	55.62M	41.25M
Operating Cash Flow	0.00	61.92M	70.23M	64.49M	53.95M	45.97M
Investing Cash Flow	0.00	-603.10M	-476.69M	-413.04M	-394.32M	-629.26M
Financing Cash Flow	0.00	140.81M	808.91M	334.09M	308.42M	728.79M

River City Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 348.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RCBC, the sentiment is Positive. The current price of 348.24 is above the 20-day moving average (MA) of 341.74, above the 50-day MA of 338.30, and above the 200-day MA of 325.81, indicating a bullish trend. The MACD of 4.56 indicates Negative momentum. The RSI at 82.12 is Negative, neither overbought nor oversold. The STOCH value of 73.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RCBC.

River City Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RCBC	79 Outperform	$538.80M	7.31	14.44%	0.44%	―	―
MPB	77 Outperform	$677.01M	10.25	8.38%	2.71%	13.17%	24.36%
FMNB	74 Outperform	$519.44M	10.74	11.69%	4.93%	6.53%	-10.99%
SMBK	70 Outperform	$593.74M	15.46	7.98%	0.92%	17.26%	44.45%
Sector *	67 Neutral	$16.64B	11.61	9.79%	3.78%	11.89%	-8.13%
HIFS	67 Neutral	$582.65M	17.42	7.82%	0.94%	6.63%	62.84%
WASH	50 Neutral	$549.99M	12.16	-5.43%	7.86%	-20.25%	-157.94%