River City Bank (RCBC)
OTHER OTC:RCBC
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River City Bank
(OTC:RCBC)
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Rating:70Outperform
Price Target:
$46.00
▲(8.24% Upside)
Action:Reiterated
Date:03/19/26
The score is driven primarily by solid financial performance (strong growth, conservative balance sheet, and healthy cash generation) and supportive valuation (low P/E and very high dividend yield). These positives are tempered by weak technical momentum, with the stock below key moving averages and bearish MACD/oversold readings.
Positive Factors
Conservative balance sheet
A 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.
Negative Factors
Margin compression
Material 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
A 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.
Read all positive factors
River City Bank (RCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$633.79M
Dividend Yield0.36%
Average Volume (3M)298.00
Price to Earnings (P/E)8.5
Beta (1Y)0.34
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees6,692
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.24
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 Cap0.30
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
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
River City Bank Business Overview & Revenue Model
Company Description
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, commerci...
How the Company Makes Money
RCBC primarily makes money through (1) net interest income and (2) non-interest income. 1) Net interest income: The bank earns interest and interest-related fees on loans and other interest-earning assets and pays interest on customer deposits and...
River City Bank Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
78
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 281.98M | 143.75M | 121.15M | 100.15M | 115.90M |
| Gross Profit | 139.57M | 143.75M | 121.15M | 100.15M | 103.30M |
| EBITDA | 95.09M | 95.98M | 86.42M | 71.60M | 69.54M |
| Net Income | 68.42M | 73.40M | 60.34M | 47.82M | 44.48M |
Balance Sheet | |||||
| Total Assets | 5.81B | 5.14B | 4.93B | 4.04B | 3.66B |
| Cash, Cash Equivalents and Short-Term Investments | 477.47M | 148.67M | 549.03M | 146.59M | 161.06M |
| Total Debt | 26.57M | 51.73M | 51.63M | 101.53M | 10.72M |
| Total Liabilities | 5.26B | 4.66B | 4.51B | 3.69B | 3.35B |
| Stockholders Equity | 548.49M | 484.74M | 417.73M | 353.01M | 308.36M |
Cash Flow | |||||
| Free Cash Flow | 75.47M | 61.25M | 69.93M | 63.34M | 53.46M |
| Operating Cash Flow | 76.48M | 61.92M | 70.23M | 64.49M | 53.95M |
| Investing Cash Flow | -335.75M | -603.10M | -476.69M | -413.04M | -394.32M |
| Financing Cash Flow | 588.07M | 140.81M | 808.91M | 334.09M | 308.42M |
River City Bank Technical Analysis
Positive
42.50
Price Trends
41.63
Positive
42.37
Positive
41.35
Positive
Market Momentum
0.55
Negative
83.25
Negative
94.71
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 42.5 is above the 20-day moving average (MA) of 42.41, above the 50-day MA of 41.63, and above the 200-day MA of 41.35, indicating a bullish trend. The MACD of 0.55 indicates Negative momentum. The RSI at 83.25 is Negative, neither overbought nor oversold. The STOCH value of 94.71 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $779.19M | 12.39 | 10.76% | 2.66% | 4.05% | 26.62% | |
70 Outperform | $633.79M | 8.47 | 13.78% | 0.36% | ― | ― | |
69 Neutral | $774.46M | 28.80 | 4.87% | 3.71% | -6.85% | -13.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $703.33M | 13.37 | 9.79% | 7.17% | 25.15% | ― | |
57 Neutral | $672.39M | 13.39 | 10.76% | 0.84% | 5.79% | 76.61% |
* Financial Sector Average
RCBC
River City Bank
43.70
10.15
30.25%
HIFS
Hingham Institution For Savings
308.40
62.98
25.66%
SHBI
Shore Bancshares
23.29
8.01
52.43%
WASH
Washington Bancorp
36.89
10.67
40.69%
ALRS
Alerus Financial
30.82
9.92
47.46%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.