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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$35.76 - $50.00
Previous CloseN/A
Volume7.00
Average Volume (3M)298.00
Market Cap
$649.02M
Enterprise Value$185.60
Total Cash (Recent Filing)$689.52M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)8.7
Beta0.35
Next Earnings
Jul 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.36%
Share Statistics
EPS (TTM)4.05
Shares Outstanding14,503,240
10 Day Avg. Volume93
30 Day Avg. Volume298
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 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
Conservative Balance SheetA conservatively levered balance sheet with steady equity growth improves resilience to credit and interest-rate stress, preserves lending capacity and regulatory headroom, and supports long-term strategic initiatives. This structural strength underpins funding stability and capital flexibility over months.
Strong Cash GenerationConsistent positive operating and free cash flow that closely tracks net income indicates high earnings quality and reliable internal funding. Sustained FCF supports dividends, loan growth, and capital investments without overreliance on external financing, improving durability over the medium term.
Meaningful Revenue ExpansionA clear multi-year revenue expansion, including a sharp 2025 step-up, reflects franchise growth and stronger loan/fee activity. Durable top-line momentum broadens the deposit and fee base, enabling scale benefits and providing runway to restore margins and improve profitability over the coming months.
Bears Say
Margin CompressionMaterial margin compression reduces profit per revenue dollar and can signal adverse mix, rising funding costs, or elevated operating expenses. If persistent, lower margins erode return on equity and cash available for reinvestment or distributions, challenging medium-term profitability targets.
Net Income Fell Despite RevenueA decline in net income while revenue rises indicates worsening cost structure, credit losses, or non-operating headwinds that prevent revenue from translating into earnings. This divergence weakens earnings quality and may limit capital accumulation and strategic flexibility over months ahead.
Volatile Cash-flow CoverageHigh variability in operating cash-flow coverage of interest and debt service raises refinancing and liquidity risk in stress periods. Even with 2025 improvement, inconsistent cash conversion complicates planning for dividends, loan originations, and buffer capital, increasing medium-term operational risk.
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 $35.76 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 $649.02M.
When is River City Bank’s upcoming earnings report date?
River City Bank’s upcoming earnings report date is Jul 22, 2026 which is in 2 days.
How were River City Bank’s earnings last quarter?
River City Bank released its earnings results on Apr 22, 2026. The company reported $1.24 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 $0.05 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 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?
River City Bank reported an EPS of $1.24 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -0.879%.
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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8
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
19.49%
12-Months-Change
Fundamentals
Return on Equity
13.78%
Trailing 12-Months
Asset Growth
14.39%
Trailing 12-Months
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.
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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