River City Bank (RCBC) AI Stock Analysis

• Market Cap: $589.14M
• Dividend Yield: 0.4%
• Average Volume (3M): 148.00
• Price to Earnings (P/E): 7.9
• Beta (1Y): 0.44
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 1,476,542
• 10 Day Avg. Volume: 294
• 30 Day Avg. Volume: 148
• PEG Ratio: 0.29
• Price to Book (P/B): 0.94
• Price to Sales (P/S): 3.17
• P/FCF Ratio: 7.45
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: $451.00 ▲(14.03% Upside)

River City Bank's strong financial performance and undervalued valuation are the primary drivers of its stock score. The technical analysis indicates bullish momentum, though caution is advised due to overbought signals. The absence of recent earnings call data and corporate events does not impact the score.

River City Bank Business Overview & Revenue Model

Company Description

River City Bank (RCBC) is a community-focused financial institution headquartered in the heart of its namesake city, offering a range of banking services tailored to individuals, families, and businesses. The bank operates primarily in the retail banking sector, providing products such as personal and business checking and savings accounts, loans, mortgages, and investment services. RCBC is committed to fostering local economic growth by supporting small businesses and providing personalized banking solutions to meet the diverse needs of its clientele.

How the Company Makes Money

River City Bank generates revenue through various key streams. Primarily, the bank earns interest income from loans issued to customers, including personal loans, mortgages, and commercial loans. The interest rate charged on these loans is typically higher than the interest paid to depositors, creating a profit margin known as the net interest margin. Additionally, RCBC earns non-interest income through fees associated with account maintenance, overdrafts, ATM usage, and transaction processing. The bank may also generate revenue from investment services and wealth management products offered to clients. Strategic partnerships with local businesses and community organizations can enhance its service offerings and customer base, further contributing to its earnings. Overall, RCBC's diversified revenue model allows for stability and growth in an ever-changing financial landscape.

River City Bank Financial Statement Overview

Summary

Overall, River City Bank is in a strong financial position, characterized by solid revenue growth, improved profitability, and effective cost management. The elimination of debt strengthens the balance sheet, although maintaining a low equity ratio is typical for the sector. Cash flow metrics remain healthy, despite a slight decline in free cash flow, underscoring the need for ongoing cash management. The bank is well-positioned for continued growth with sound financial practices.

Income Statement

River City Bank has demonstrated strong revenue growth with a 24.89% increase from the previous year, indicating robust business expansion. The gross profit margin remained steady at 100%, reflecting efficient cost management. The net profit margin improved to 48.51%, showcasing enhanced profitability. EBIT margin is notably high at 73.49%, indicating effective operational management. However, the absence of reported EBITDA slightly limits the assessment of operational cash flow strength.

Balance Sheet

The bank maintains a solid equity base with an equity ratio of 9.42%, although it is relatively low, indicating significant leverage typical in the banking industry. The debt-to-equity ratio has improved to 0.00 due to the elimination of total debt, highlighting financial prudence. ROE stands at 15.14%, reflecting effective utilization of equity to generate profits, though slightly lower compared to peers in the banking sector.

Cash Flow

River City Bank shows strong cash flow management with positive free cash flow and a healthy operating cash flow to net income ratio of 0.84. The free cash flow to net income ratio is robust at 0.83, indicating good cash generation relative to profit. However, a 12.42% decrease in free cash flow from the previous year suggests a need to monitor future cash flow trends closely.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	0.00	143.75M	121.15M	100.15M	115.90M	73.45M
Gross Profit	0.00	143.75M	121.15M	100.15M	103.30M	105.31M
EBITDA	16.92M	95.98M	86.42M	71.60M	69.54M	47.29M
Net Income	4.20M	73.40M	60.34M	47.82M	44.48M	31.63M
Balance Sheet
Total Assets	0.00	5.14B	4.93B	4.04B	3.66B	3.32B
Cash, Cash Equivalents and Short-Term Investments	0.00	148.67M	549.03M	146.59M	161.06M	193.01M
Total Debt	0.00	51.73M	51.63M	101.53M	10.72M	16.86M
Total Liabilities	0.00	4.66B	4.51B	3.69B	3.35B	3.05B
Stockholders Equity	418.00M	484.74M	417.73M	353.01M	308.36M	269.48M
Cash Flow
Free Cash Flow	0.00	61.25M	69.93M	63.34M	53.46M	45.10M
Operating Cash Flow	0.00	61.92M	70.23M	64.49M	53.95M	45.97M
Investing Cash Flow	0.00	-603.10M	-476.69M	-413.04M	-394.32M	-629.26M
Financing Cash Flow	0.00	140.81M	808.91M	334.09M	308.42M	728.79M

River City Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 395.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RCBC, the sentiment is Positive. The current price of 395.5 is above the 20-day moving average (MA) of 388.01, above the 50-day MA of 379.97, and above the 200-day MA of 349.62, indicating a bullish trend. The MACD of 4.94 indicates Negative momentum. The RSI at 73.73 is Negative, neither overbought nor oversold. The STOCH value of 94.12 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RCBC.

River City Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RCBC	76 Outperform	$589.14M	7.94	―	0.40%	―	―
GNTY	75 Outperform	―	―	―	―	1.61%	38.81%
ALRS	71 Outperform	$533.07M	12.49	9.19%	3.78%	40.69%	373.32%
HIFS	68 Neutral	$650.46M	14.53	10.23%	0.84%	8.26%	94.53%
SHBI	68 Neutral	$526.99M	9.25	10.25%	3.05%	6.01%	38.05%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WASH	52 Neutral	$526.96M	―	-4.73%	8.05%	-27.77%	-159.63%