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River City Bank
(NASDAQ:RCBC)
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Rating:80Outperform
Price Target:
$57.00
▲(14.43% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by strong financial performance (solid profitability, conservative leverage, and robust cash generation) and very attractive valuation (low P/E and very high dividend yield). Technicals are supportive given the uptrend, but the stock appears overbought on RSI/Stochastics, which tempers the overall rating.
Positive Factors
Conservative balance sheet
Low debt relative to equity and a steadily growing equity base provide durable financial flexibility. An improving leverage profile versus elevated 2022 levels supports capacity to absorb credit losses, fund organic growth or opportunistic lending, and maintain regulatory buffers over the next several quarters.
Negative Factors
Margin compression in 2025
Material margin compression despite higher revenue suggests rising costs, mix shifts, or lower yield lending that reduce profitability leverage. Persisting pressure would erode return on equity and free cash flow margins, limiting ability to sustainably increase shareholder distributions or reinvest for growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low debt relative to equity and a steadily growing equity base provide durable financial flexibility. An improving leverage profile versus elevated 2022 levels supports capacity to absorb credit losses, fund organic growth or opportunistic lending, and maintain regulatory buffers over the next several quarters.
Read all positive factors
River City Bank (RCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$737.78M
Dividend Yield0.37%
Average Volume (3M)298.00
Price to Earnings (P/E)9.4
Beta (1Y)0.34
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees6,692
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.42
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
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...
River City Bank Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 311.40M | 281.98M | 143.75M | 121.15M | 100.15M | 115.90M |
| Gross Profit | 160.70M | 139.57M | 143.75M | 121.15M | 100.15M | 103.30M |
| EBITDA | 107.99M | 95.09M | 95.98M | 86.42M | 71.60M | 69.54M |
| Net Income | 78.26M | 68.42M | 73.40M | 60.34M | 47.82M | 44.48M |
Balance Sheet | ||||||
| Total Assets | 6.04B | 5.81B | 5.14B | 4.93B | 4.04B | 3.66B |
| Cash, Cash Equivalents and Short-Term Investments | 353.37M | 477.47M | 148.67M | 549.03M | 146.59M | 161.06M |
| Total Debt | 0.00 | 26.57M | 51.73M | 51.63M | 101.53M | 10.72M |
| Total Liabilities | 5.47B | 5.26B | 4.66B | 4.51B | 3.69B | 3.35B |
| Stockholders Equity | 567.88M | 548.49M | 484.74M | 417.73M | 353.01M | 308.36M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 75.47M | 61.25M | 69.93M | 63.34M | 53.46M |
| Operating Cash Flow | 0.00 | 76.48M | 61.92M | 70.23M | 64.49M | 53.95M |
| Investing Cash Flow | 0.00 | -335.75M | -603.10M | -476.69M | -413.04M | -394.32M |
| Financing Cash Flow | 0.00 | 588.07M | 140.81M | 808.91M | 334.09M | 308.42M |
River City Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $737.78M | 9.39 | 14.18% | 0.38% | ― | ― | |
76 Outperform | $752.86M | 13.56 | 10.18% | 5.83% | 27.43% | ― | |
71 Outperform | $644.63M | 9.75 | 13.73% | 1.15% | 12.91% | 95.79% | |
69 Neutral | $772.23M | 11.63 | 11.10% | 2.12% | 2.79% | 22.84% | |
68 Neutral | $824.80M | 30.11 | 4.88% | 2.60% | -11.76% | -35.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
RCBC
River City Bank
50.87
14.27
38.98%
HIFS
Hingham Institution For Savings
295.67
14.77
5.26%
SHBI
Shore Bancshares
23.14
6.30
37.41%
WASH
Washington Bancorp
39.47
11.22
39.72%
ALRS
Alerus Financial
33.12
11.61
53.98%
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.