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River City Bank (RCBC)
NASDAQ:RCBC
US Market
RCBC
River City Bank
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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 $0.50. For the 2026 fiscal year, RCBC's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 19.59 0.08 0.13 0.05
Quick Ratio
 0.00 19.59 0.08 0.13 0.05
Cash Ratio
 0.00 18.68 0.03 0.13 0.05
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 2.99 0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 2.99 1.23 1.40 0.64
Net Current Asset Value
$ -5.10B$ -4.76B$ -4.32B$ -3.97B$ -3.53B
Leverage Ratios
Debt-to-Assets Ratio
 0.00 <0.01 0.01 0.01 0.03
Debt-to-Equity Ratio
 0.00 0.05 0.11 0.12 0.29
Debt-to-Capital Ratio
 0.00 0.05 0.10 0.11 0.22
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 10.64 10.59 10.61 11.81 11.45
Debt Service Coverage Ratio
 0.54 0.41 0.34 0.43 0.44
Interest Coverage Ratio
 0.74 0.68 0.73 0.92 3.58
Debt to Market Cap
 0.00 0.04 0.11 0.15 0.28
Interest Debt Per Share
 10.15 11.45 13.20 9.71 8.10
Net Debt to EBITDA
 -3.27 -4.74 -1.01 -5.76 -0.63
Profitability Margins
Gross Profit Margin
51.61%49.50%100.00%100.00%100.00%
EBIT Margin
34.68%33.72%72.11%70.37%67.02%
EBITDA Margin
34.68%33.72%66.77%71.33%71.49%
Operating Profit Margin
34.68%33.72%72.11%70.37%67.02%
Pretax Profit Margin
34.68%33.72%72.11%70.37%67.02%
Net Profit Margin
25.13%24.26%51.06%49.80%47.75%
Continuous Operations Profit Margin
25.13%24.26%51.06%49.80%47.75%
Net Income Per EBT
72.47%71.95%70.81%70.77%71.25%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.30%1.18%1.43%1.22%1.18%
Return on Equity (ROE)
14.18%12.47%15.14%14.44%13.55%
Return on Capital Employed (ROCE)
1.79%1.64%12.69%12.19%6.65%
Return on Invested Capital (ROIC)
1.30%1.18%8.46%8.09%4.26%
Return on Tangible Assets
1.30%1.18%1.43%1.22%12.98%
Earnings Yield
10.38%10.69%16.10%17.97%13.43%
Efficiency Ratios
Receivables Turnover
 13.65 12.15 6.75 7.27 8.30
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 29.07 23.22 11.80 9.64 7.51
Asset Turnover
 0.05 0.05 0.03 0.02 0.02
Working Capital Turnover Ratio
 0.57 -0.16 -0.04 -0.04 -0.04
Cash Conversion Cycle
 26.74 30.04 54.08 50.22 43.96
Days of Sales Outstanding
 26.74 30.04 54.08 50.22 43.96
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 0.00
Operating Cycle
 26.74 30.04 54.08 50.22 43.96
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 5.24 4.21 4.71 4.35
Free Cash Flow Per Share
 0.00 5.17 4.16 4.69 4.27
CapEx Per Share
 0.00 0.07 0.05 0.02 0.08
Free Cash Flow to Operating Cash Flow
 0.00 0.99 0.99 1.00 0.98
Dividend Paid and CapEx Coverage Ratio
 0.00 22.82 21.73 29.43 20.76
Capital Expenditure Coverage Ratio
 0.00 75.50 92.28 237.25 56.27
Operating Cash Flow Coverage Ratio
 0.00 2.88 1.20 1.36 0.64
Operating Cash Flow to Sales Ratio
 0.00 0.27 0.43 0.58 0.64
Free Cash Flow Yield
0.00%11.79%13.43%20.83%17.78%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.70 9.36 6.21 5.56 7.45
Price-to-Sales (P/S) Ratio
 2.43 2.27 3.17 2.77 3.56
Price-to-Book (P/B) Ratio
 1.33 1.17 0.94 0.80 1.01
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 8.48 7.45 4.80 5.62
Price-to-Operating Cash Flow Ratio
 0.00 8.37 7.36 4.78 5.52
Price-to-Earnings Growth (PEG) Ratio
 0.05 -1.56 0.27 0.22 1.08
Price-to-Fair Value
 1.33 1.17 0.94 0.80 1.01
Enterprise Value Multiple
 3.74 1.99 3.74 -1.87 4.35
Enterprise Value
 403.55M 189.05M 359.07M -161.70M 311.10M
EV to EBITDA
 3.74 1.99 3.74 -1.87 4.35
EV to Sales
 1.30 0.67 2.50 -1.33 3.11
EV to Free Cash Flow
 0.00 2.51 5.86 -2.31 4.91
EV to Operating Cash Flow
 0.00 2.47 5.80 -2.30 4.82
Tangible Book Value Per Share
 39.60 37.61 32.95 28.04 22.98
Shareholders’ Equity Per Share
 39.60 37.61 32.95 28.04 23.79
Tax and Other Ratios
Effective Tax Rate
 0.28 0.28 0.29 0.29 0.29
Revenue Per Share
 21.71 19.33 9.77 8.13 6.75
Net Income Per Share
 5.46 4.69 4.99 4.05 3.22
Tax Burden
 0.72 0.72 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
 0.06 0.11 0.22 0.03 0.03
Stock-Based Compensation to Revenue
 0.01 0.00 0.01 0.01 0.02
Income Quality
 0.00 1.12 0.84 1.16 1.35
Currency in USD