Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
RCBC
BuyPremium GrowerRiver City Bank · Financial Services · United States · $712M · Avg Vol: $3M/d
67
StockRankGet insider-trade alerts
Q
57
V
42
M
63
P/E (TTM)
11.3x
ROE
12.5%
D/E
0.0x
Dividend %
0.4%
COMPANY DESCRIPTION
River City Bank, together with its subsidiaries, provides various banking products and services. The company offers checking, savings, and term certificate accounts.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 118.6M | 133.7M | 151.3M | 141.6M | 6.1% | 154.9M |
| EPS | 3.01 | 3.22 | 4.05 | 4.99 | 4.79 | 12.3% | 4.69 |
| Shares | — | 14.6M | 14.5M | 14.4M | 14.3M | -2.4% | 14.0M |
| Debt | 8.0M | 100.0M | — | — | — | 1150.0% | — |
| Equity | — | 353.0M | 417.7M | 484.7M | 548.5M | 15.8% | — |
| Op CF | — | 64.5M | 70.2M | 61.9M | 76.5M | 5.9% | 77.3M |
| Inv CF | — | -413.0M | -476.7M | -603.1M | -335.7M | — | — |
| Fin CF | — | 334.1M | 808.9M | 140.8M | 588.1M | — | — |
Loading 1Y...
PRICE (1Y)+8.9%
SMA 50SMA 200
Close
$52.24
RSI (14)
78.2
52W High
$54.88
From 52W High
1.0%
SCORE BREAKDOWN
Quality
57
ROIC (ROA)
1.2%*41.3
ROE
12.5%63.9
GP/Assets
2.7%N/A
Op. Margin
71.3%84.8
FCF/Assets
1.3%N/A
Piotroski
455.4
Int. Cover
—50.0
D/E Ratio
0.00xN/A
Current Ratio
bankN/A
Value
42
P/E (TTM)
11.3x61.2
EV/EBITDA
bankN/A
P/FCF
9.4xN/A
P/B
1.3x44.6
P/S
4.8x35.6
Div Yield
0.4%3.5
Momentum
63
52W High %
95%73.8
RS 6M
9%69.3
SMA 50/200
1.09x70.5
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+7%29.9
Q Growth
27%59.6
FUNDAMENTALS
Market Cap
$712M
P/E (Forward)
10.6x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of RCBC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| RCBC | River City Bank(you) | $712M | 67 | Buy |
| BCAL | California BanCorp | $684M | 67 | Buy |
| IBCP | Independent Bank Corporation | $759M | 68 | Buy |
| BHB | Bar Harbor Bankshares | $661M | 67 | Buy |
| KRNY | Kearny Financial Corp. | $638M | 67 | Buy |
| PGC | Peapack-Gladstone Financial Corporation | $800M | 65 | Hold |
| NRIM | Northrim BanCorp, Inc. | $571M | 67 | Buy |
| SMBC | Southern Missouri Bancorp, Inc. | $815M | 65 | Hold |
| HTB | HomeTrust Bancshares, Inc. | $776M | 63 | Hold |
| SPFI | South Plains Financial, Inc. | $823M | 64 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%