River City Bank(RCBC)
$58.78+0.06 (+0.10%)
RCBC
River City Bank financials statements
$58.78
At close:+0.06 (+0.10%)
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River City Bank (RCBC) Ratios
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River City Bank Ratios
RCBC's free cash flow for Q2 2026 was $0.00. For the 2026 fiscal year, RCBC's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 19.59 | 0.08 | 0.13 | 0.05 | 0.07 |
| Quick Ratio | 19.59 | 0.08 | 0.13 | 0.05 | 0.07 |
| Cash Ratio | 18.68 | 0.03 | 0.13 | 0.05 | 0.05 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 2.99 | 0.01 | 0.02 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 2.99 | 1.23 | 1.40 | 0.64 | 5.96 |
| Net Current Asset Value | $ -4.76B | $ -4.32B | $ -3.97B | $ -3.53B | $ -3.14B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.01 | 0.01 | 0.03 | 0.00 |
| Debt-to-Equity Ratio | 0.05 | 0.11 | 0.12 | 0.29 | 0.03 |
| Debt-to-Capital Ratio | 0.05 | 0.10 | 0.11 | 0.22 | 0.03 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 10.59 | 10.61 | 11.81 | 11.45 | 11.86 |
| Debt Service Coverage Ratio | 0.41 | 0.34 | 0.43 | 0.44 | 2.36 |
| Interest Coverage Ratio | 0.68 | 0.73 | 0.92 | 3.58 | 5.00 |
| Debt to Market Cap | 0.04 | 0.11 | 0.15 | 0.28 | 0.02 |
| Interest Debt Per Share | 11.45 | 13.20 | 9.71 | 8.10 | 1.58 |
| Net Debt to EBITDA | -4.74 | -1.01 | -5.76 | -0.63 | -2.16 |
| Profitability Margins | |||||
| Gross Profit Margin | 49.50% | 100.00% | 100.00% | 100.00% | 89.13% |
| EBIT Margin | 33.72% | 72.11% | 70.37% | 67.02% | 54.30% |
| EBITDA Margin | 33.72% | 66.77% | 71.33% | 71.49% | 60.00% |
| Operating Profit Margin | 33.72% | 72.11% | 70.37% | 67.02% | 54.30% |
| Pretax Profit Margin | 33.72% | 72.11% | 70.37% | 67.02% | 54.30% |
| Net Profit Margin | 24.26% | 51.06% | 49.80% | 47.75% | 38.37% |
| Continuous Operations Profit Margin | 24.26% | 51.06% | 49.80% | 47.75% | 38.37% |
| Net Income Per EBT | 71.95% | 70.81% | 70.77% | 71.25% | 70.67% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.18% | 1.43% | 1.22% | 1.18% | 1.22% |
| Return on Equity (ROE) | 12.47% | 15.14% | 14.44% | 13.55% | 14.42% |
| Return on Capital Employed (ROCE) | 1.64% | 12.69% | 12.19% | 6.65% | 9.78% |
| Return on Invested Capital (ROIC) | 1.18% | 8.46% | 8.09% | 4.26% | 6.77% |
| Return on Tangible Assets | 1.18% | 1.43% | 1.22% | 12.98% | 15.88% |
| Earnings Yield | 10.69% | 16.10% | 17.97% | 13.43% | 11.08% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.15 | 6.75 | 7.27 | 8.30 | 12.73 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 27.93 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 23.22 | 11.80 | 9.64 | 7.51 | 7.82 |
| Asset Turnover | 0.05 | 0.03 | 0.02 | 0.02 | 0.03 |
| Working Capital Turnover Ratio | -0.16 | -0.04 | -0.04 | -0.04 | -0.04 |
| Cash Conversion Cycle | 30.04 | 54.08 | 50.22 | 43.96 | 15.60 |
| Days of Sales Outstanding | 30.04 | 54.08 | 50.22 | 43.96 | 28.67 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 13.07 |
| Operating Cycle | 30.04 | 54.08 | 50.22 | 43.96 | 28.67 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 5.24 | 4.21 | 4.71 | 4.35 | 3.65 |
| Free Cash Flow Per Share | 5.17 | 4.16 | 4.69 | 4.27 | 3.62 |
| Dividend Paid and CapEx Coverage Ratio | 22.82 | 21.73 | 29.43 | 20.76 | 22.99 |
| Capital Expenditure Coverage Ratio | 75.50 | 92.28 | 237.25 | 56.27 | 111.00 |
| Operating Cash Flow Coverage Ratio | 2.88 | 1.20 | 1.36 | 0.64 | 5.03 |
| Operating Cash Flow to Sales Ratio | 0.27 | 0.43 | 0.58 | 0.64 | 0.47 |
| Free Cash Flow Yield | 11.79% | 13.43% | 20.83% | 17.78% | 13.32% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.36 | 6.21 | 5.56 | 7.45 | 9.03 |
| Price-to-Sales (P/S) Ratio | 2.27 | 3.17 | 2.77 | 3.56 | 3.46 |
| Price-to-Book (P/B) Ratio | 1.17 | 0.94 | 0.80 | 1.01 | 1.30 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.48 | 7.45 | 4.80 | 5.62 | 7.51 |
| Price-to-Operating Cash Flow Ratio | 8.37 | 7.36 | 4.78 | 5.52 | 7.44 |
| Price-to-Earnings Growth (PEG) Ratio | -1.56 | 0.27 | 0.22 | 1.08 | 0.23 |
| Enterprise Value Multiple | 1.99 | 3.74 | -1.87 | 4.35 | 3.61 |
| Enterprise Value | 189.05M | 359.07M | -161.70M | 311.10M | 251.14M |
| EV to EBITDA | 1.99 | 3.74 | -1.87 | 4.35 | 3.61 |
| EV to Sales | 0.67 | 2.50 | -1.33 | 3.11 | 2.17 |
| EV to Free Cash Flow | 2.51 | 5.86 | -2.31 | 4.91 | 4.70 |
| EV to Operating Cash Flow | 2.47 | 5.80 | -2.30 | 4.82 | 4.66 |
| Tangible Book Value Per Share | 37.61 | 32.95 | 28.04 | 22.98 | 20.27 |
| Shareholders’ Equity Per Share | 37.61 | 32.95 | 28.04 | 23.79 | 20.89 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.28 | 0.29 | 0.29 | 0.29 | 0.29 |
| Revenue Per Share | 19.33 | 9.77 | 8.13 | 6.75 | 7.85 |
| Net Income Per Share | 4.69 | 4.99 | 4.05 | 3.22 | 3.01 |
| Tax Burden | 0.72 | 0.71 | 0.71 | 0.71 | 0.71 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.11 | 0.22 | 0.03 | 0.03 | 0.03 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.02 | 0.02 |
| Income Quality | 1.12 | 0.84 | 1.16 | 1.35 | 1.21 |
Currency in USD
