River City Bank
RCBC | NASDAQ
$57.99
-$0.76 (-1.29%)
At close: Oct 30, 2026, 4:00 PM ET
$57.99
$0.00 (0.00%)
After-hours:
Oct 30, 2026, 7:30 PM ET
Market Data
Market Cap $823.44M
Enterprise Value $337.57M
Beta 0.17
Average Volume 60.07K
Shares Outstanding (Diluted) 14.19M
Shares Change YoY -2.25%
Institutional Ownership N/A
Exchange NASDAQ
ISIN US76803X1063
Price Performance
Price Change 1M 13.3%
Price Change 3M 20.8%
Price Change 6M 40.1%
Price Change YTD 32.2%
Price Change 1Y 45.3%
Price Change 3Y 188.5%
Price Change 5Y 104.2%
1M CAGR (ann.) 10.6%
1Y CAGR (ann.) 45.9%
5Y CAGR (ann.) 16.3%
All-Time CAGR 16.8%
Valuation
PE Ratio 9.32
Forward PE 11.09
PEG Ratio 0.29
Forward PEG 2.08
PS Ratio 2.45
Forward PS 5.10
PB Ratio 1.39
P/FCF Ratio N/A
P/Adj. FCF Ratio -244.34
P/OCF Ratio N/A
EV/Sales 1.01
EV/EBIT 2.74
EV/EBITDA 2.74
EV/FCF N/A
Earnings Yield 10.7%
FCF Yield 0.0%
Adj. FCF Yield -0.4%
Financial Health
Net Cash $485.87M
Total Debt $0
Cash & Short-Term Investments $485.87M
Total Assets $6.38B
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 0.00
Debt / EBITDA 0.00
Debt / FCF N/A
OCF / Debt N/A
Interest Coverage 0.82
Altman Z-Score 0.30
Piotroski F-Score 4
Margins & Profitability
Gross Profit Margin 52.4%
Operating Profit Margin 36.7%
EBITDA Margin 36.7%
Net Profit Margin 26.6%
FCF Margin 0.0%
Adj. FCF Margin -1.0%
SBC / Revenue 1.0%
SBC Impact (per share) N/A
Returns
Return on Assets 1.4%
Return on Equity 15.7%
Return on Invested Capital 1.4%
Return on Capital Employed 1.9%
Return on Tangible Assets 1.4%
Historical Growth (CAGR)
Revenue CAGR 3Y 77.1%
Revenue CAGR 5Y 94.7%
Revenue CAGR 10Y 20.2%
EPS CAGR 3Y 28.3%
EPS CAGR 5Y 36.5%
EPS CAGR 10Y 18.9%
FCF CAGR 3Y 6.0%
FCF CAGR 5Y 10.8%
FCF CAGR 10Y 15.9%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 1
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 22, 2027
EPS Estimate (next Q) $1.24
EPS Growth Est (next Q) N/A
Revenue Est (next Q) $39.31M
Revenue Growth Est (next Q) -53.4%
Fair Value Estimates
Graham Number $76.34
Graham Upside 31.6%
Lynch Fair Value $155.50
Lynch Upside 168.2%
Price Target $58.50
Price Target Upside 0.9%
Cash Flow
Operating Cash Flow $0
Free Cash Flow $0
Adj. Free Cash Flow $-3.37M
FCF Per Share $0.00
OCF Per Share $0.00
OCF/S Ratio 0.0%
Income Statement
Revenue $335.6M
Gross Profit $176M
Operating Income $123.25M
EBITDA $123.25M
Net Income $89.19M
EPS (Diluted) $6.22
Revenue / Employee $50.15K
Profit / Employee $13.33K
Employees 6,692
Dividends
Annual Dividend $0.19
Dividend Yield 0.33%
Payout Ratio 3.0%
FCF Payout Ratio N/A
Adj. FCF Payout Ratio 0.0%
Dividend Growth (YoY) 21.0%
Pay Frequency Quarterly
Ex-Dividend Date Nov 3, 2026
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