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RCBC Stock Chart & Stats
$49.81
-$0.07(-0.15%)
At close: 4:00 PM EDT
$49.81
-$0.07(-0.15%)
Day’s Range― - ―
52-Week Range$38.50 - $56.71
Previous CloseN/A
Volume2.10K
Average Volume (3M)113.50K
Market Cap
$783.40M
Enterprise Value$270.48M
Total Cash (Recent Filing)$353.37M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)10.2
Beta0.31
Next Earnings
Jan 28, 2027EPS Estimate
1.21Next Dividend Ex-DateN/A
Dividend Yield0.34%
Share Statistics
EPS (TTM)5.42
Shares Outstanding14,199,704
10 Day Avg. Volume124,403
30 Day Avg. Volume113,505
Financial Highlights & Ratios
PEG Ratio-1.56
Price to Book (P/B)1.17
Price to Sales (P/S)2.27
P/FCF Ratio8.48
Enterprise Value/Market Cap0.35
Enterprise Value/Revenue0.87
Enterprise Value/Gross Profit1.68
Enterprise Value/Ebitda2.50
Forecast
1Y Price Target
$55.75Price Target Upside11.93% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)4.96
Revenue Forecast (FY)$154.15M
Bulls Say, Bears Say
Bulls Say
Revenue ExpansionMeaningful multi-year revenue expansion indicates stronger business activity and supports a larger earnings base. The sharp 2025 increase provides durable growth potential over the next several quarters, although translating that growth into improved profits remains important.
Conservative Balance SheetLow leverage and steadily increasing equity provide financial resilience and preserve flexibility for lending, investment, or absorbing operating pressure. This balance-sheet strength can support continued growth while reducing the risks associated with excessive debt dependence.
Strong Cash GenerationConsistently positive operating and free cash flow, together with close alignment between free cash flow and net income, supports earnings quality. Rebounding free cash flow growth in 2025 also strengthens the company’s capacity to fund operations and capital allocation internally.
Bears Say
Margin CompressionMaterial margin compression means recent revenue growth has not translated proportionally into profitability. If the pressure persists, lower earnings conversion could weaken internal capital generation and reduce the benefit of the company’s otherwise strong top-line expansion.
Volatile Debt-Service CoverageThe wide swings in operating cash flow coverage indicate that the company’s ability to meet debt-service and interest-related needs has been inconsistent. Although 2025 improved materially, this historical variability remains a structural financial-monitoring concern.
Lower Return EfficiencySoftening return on equity suggests profitability is not scaling as efficiently as the balance sheet expands. Unless earnings growth catches up with rising equity, capital may generate lower returns over time, limiting the quality of otherwise solid financial growth.
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 $38.50 and its highest was $56.70 in the past 12 months.
What is River City Bank’s market cap?
River City Bank’s market cap is $783.40M.
When is River City Bank’s upcoming earnings report date?
River City Bank’s upcoming earnings report date is Jan 28, 2027 which is in 96 days.
How were River City Bank’s earnings last quarter?
River City Bank released its earnings results on Oct 23, 2026. The company reported $2.16 earnings per share for the quarter, beating the consensus estimate of $1.262 by $0.898.
Is River City Bank overvalued?
According to Wall Street analysts River City Bank’s price is currently Undervalued.
Does River City Bank pay dividends?
River City Bank pays a Quarterly dividend of $0.05 which represents an annual dividend yield of 0.34%. See more information on River City Bank dividends here
What is River City Bank’s EPS estimate?
River City Bank’s EPS estimate is 1.21.
How many shares outstanding does River City Bank have?
River City Bank has 14,199,704 shares outstanding.
What happened to River City Bank’s price movement after its last earnings report?
River City Bank reported an EPS of $2.16 in its last earnings report, beating expectations of $1.262. Following the earnings report the stock price went same N/A.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$55.75 (11.93% Upside)
$55.75 (11.93% Upside)
Blogger Sentiment
Bearish
RCBC Sentiment 100%
Sector Average 60%
Sector Average 60%
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
39.93%
12-Months-Change
Fundamentals
Return on Equity
14.18%
Trailing 12-Months
Asset Growth
13.52%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
River City Bank
River City Bank, together with its subsidiaries, provides various banking products and services. The company offers checking, savings, and term certificate accounts. It also provides personal, consumer, commercial real estate, commercial, commercial, agriculture, and residential mortgage loans; and home equity lines of credit. In addition, the company offers cash management services; lockbox, integrated payables, clean energy financing and solutions, and premier banking services; debit and credit cards; and online and mobile banking services. The company serves agribusiness, construction, healthcare, manufacturing and distribution, nonprofits, professional services, property management, and representative payee industries. The company was formerly known as RCB Corporation and changed its name to River City Banki in November 2010. River City Bank was incorporated in 1963 and is headquartered in Sacramento, California.
RCBC Stock 12 Month Forecast
Average Price Target
$55.75
▲(11.93% Upside)
Technical Analysis
Bank Of Marin Bancorp
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Community West Bancshares
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California BanCorp
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Private Bancorp of America
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Avidbank Holdings
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Ownership Overview
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Insiders
― Other Institutional Investors
98.81% Public Companies and
Individual Investors