River City Bank RCBC FINANCIAL
Company Overview
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, commercial, agriculture, and residential mortgage loans; and home equity lines of credit. In addition, the company offers cash management services; lockbox, integrated payables, clean energy financing and solutions, and premier banking services; debit and credit cards; and online and mobile banking services. The company serves agribusiness, construction, healthcare, manufacturing and distribution, nonprofits, professional services, property management, and representative payee industries. The company was formerly known as RCB Corporation and changed its name to River City Banki in November 2010. River City Bank was incorporated in 1963 and is headquartered in Sacramento, California.
Why Investors Should Care
Net profit has compounded at 12.7% per year over the last five years.
Trades at a P/E of 11.3, below the sector median of 12.9.
Maintains a net profit margin of 50.5%.
Carries low leverage with a debt-to-equity ratio of 0.18.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $141.56M (-6.4% YoY); net profit $68.42M.
- Trailing 12 Months Year-on-year growth — revenue +19.8%, earnings +30.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 6.1%, profit CAGR 12.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 6.09% |
| 1 Year: | 19.80% |
Compounded Profit Growth
| 5 Years: | 12.68% |
| 1 Year: | 30.00% |
Stock Price Performance
| 1 Year: | +47.05% |
| 6 Months: | +22.96% |
| 3 Months: | +27.23% |
| 1 Month: | +12.77% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)82.40 · Overbought
P/E of 11.30 is below the sector median of 12.89 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 50.5%.
- Profit CAGR of 12.7% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- RSI at 82 suggests overbought conditions.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | RCBC River City Bank FINANCIAL | 53.00 | 11.30 | $741.73M | 0.36% | - | 12.47% | 6.09% | 12.68% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 118.56M | 133.74M | 151.28M | 141.56M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 33.03M | 35.90M | 40.09M | 44.48M |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 18.72M | 93.10M | 142.45M | 140.43M |
| Pretax Income | - | 67.12M | 85.25M | 103.66M | 95.09M |
| Tax Provision | - | 19.30M | 24.92M | 30.26M | 26.68M |
| Net Income | - | 47.82M | 60.34M | 73.40M | 68.42M |
| Diluted EPS | 3.01 | 3.22 | 4.05 | 4.99 | - |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 4.04B | 4.93B | 5.14B | 5.80B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 146.59M | 549.03M | 148.67M | 477.47M |
| Inventory | - | - | - | - | - |
| Receivables | - | 12.06M | 16.67M | 23.39M | 23.21M |
| Total Liabilities | - | 3.69B | 4.51B | 4.66B | 5.25B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | 8.00M | 100.00M | - | - | - |
| Total Equity | - | 353.01M | 417.73M | 484.74M | 548.49M |
| Shares Outstanding | - | 14.63M | 14.53M | 14.40M | 14.27M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 64.49M | 70.23M | 61.92M | 76.48M |
| Investing Cash Flow | - | -413.04M | -476.69M | -603.10M | -335.75M |
| Financing Cash Flow | - | 334.09M | 808.91M | 140.81M | 588.07M |
| Capital Expenditure | - | -1.15M | -296.00K | -671.00K | -1.01M |
| Free Cash Flow | - | 63.34M | 69.93M | 61.25M | 75.47M |
| Net Change in Cash | - | -14.46M | 402.44M | -400.37M | 328.81M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 40.3% | 45.1% | 48.5% | 48.3% |
| ROE % | - | 13.5% | 14.4% | 15.1% | 12.5% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | BANC FUNDS CO LLC | 0.90% | 128.35K | $6.73M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for RCBC
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RCBC — Frequently Asked Questions
What is the current share price of River City Bank (RCBC)?
As of 2026-09-19 21:16 PDT, River City Bank (RCBC) trades at $53.00 on NasdaqCM. Its 52-week range is $36.04 to $53.04.
What is the market capitalisation of RCBC?
River City Bank (RCBC) has a market capitalisation of $741.73M on NasdaqCM.
What is the P/E ratio of RCBC?
RCBC trades at a trailing price-to-earnings (P/E) ratio of 11.30. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.29.
Does RCBC pay a dividend?
River City Bank (RCBC) currently offers a dividend yield of 0.36%.
What is the return on equity (ROE) of RCBC?
RCBC has a return on equity (ROE) of 12.47%.
Is RCBC a good stock to buy?
This page provides a data-driven analysis of River City Bank (RCBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.