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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$37.10 - $53.48
Previous CloseN/A
Volume2.10K
Average Volume (3M)46.53K
Market Cap
$753.15M
Enterprise Value$270.48
Total Cash (Recent Filing)$353.37M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)9.8
Beta0.34
Next Earnings
Oct 15, 2026EPS Estimate
1.19Next Dividend Ex-DateN/A
Dividend Yield0.36%
Share Statistics
EPS (TTM)5.42
Shares Outstanding14,199,704
10 Day Avg. Volume45,095
30 Day Avg. Volume46,531
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$55.75Price Target Upside11.93% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)4.77
Revenue Forecast (FY)$149.80M
Bulls Say, Bears Say
Bulls Say
Revenue ExpansionMeaningful multi-year revenue expansion, including a sharp 2025 increase, indicates strong top-line momentum and growing business scale. If sustained, this provides a broader base for operating leverage, continued investment, and stronger competitive positioning over the next several quarters.
Conservative LeverageLow debt relative to equity and steadily rising equity provide River City Bank with a durable balance-sheet cushion. This supports resilience through changing conditions, preserves financial flexibility, and gives management greater capacity to fund operations and pursue growth without excessive leverage.
Strong Cash GenerationConsistently positive operating and free cash flow, closely tracking net income, supports the quality and convertibility of reported earnings. Reliable internal cash generation can strengthen capital flexibility, support ongoing investment, and reduce reliance on external financing over time.
Bears Say
Margin CompressionMaterial 2025 margin compression and lower net income despite stronger revenue suggest that growth is not currently translating proportionally into profits. If this pattern persists, it could limit earnings expansion, weaken return efficiency, and make future profitability more dependent on expense or mix improvement.
Volatile Debt-Service CoverageThe wide historical variability in operating cash flow coverage of debt-service and interest-related needs indicates uneven cash-flow protection. Although coverage improved substantially in 2025, recurring volatility could constrain financial planning and reduce confidence in the durability of liquidity support.
No Primary IPO CapitalBecause the IPO consisted entirely of existing shareholder shares, the transaction did not add new shares or directly increase the bank’s equity capital. That limits the balance-sheet and growth-funding benefit typically available from a primary issuance, despite improving public-market access.
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 $37.10 and its highest was $53.48 in the past 12 months.
What is River City Bank’s market cap?
River City Bank’s market cap is $753.15M.
When is River City Bank’s upcoming earnings report date?
River City Bank’s upcoming earnings report date is Oct 15, 2026 which is in 38 days.
How were River City Bank’s earnings last quarter?
River City Bank released its earnings results on Jul 22, 2026. The company reported $1.37 earnings per share for the quarter, beating the consensus estimate of $1.33 by $0.04.
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 0.36%. See more information on River City Bank dividends here
What is River City Bank’s EPS estimate?
River City Bank’s EPS estimate is 1.19.
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 $1.37 in its last earnings report, beating expectations of $1.33. Following the earnings report the stock price went up 1.102%.
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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10
Analyst Consensus
Moderate Buy
Average Price Target:
$55.75 (11.93% Upside)
$55.75 (11.93% Upside)
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
42.06%
12-Months-Change
Fundamentals
Return on Equity
0.36%
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
Hingham Institution For Savings
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Shore Bancshares
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Washington Bancorp
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Alerus Financial
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