OTC · Banks - Regional

River City Bank (RCBC) Stock

$46.80 +4.00% OTC: RCBC Financial Services

River City Bank, together with its subsidiaries, provides various banking products and services. The company offers checking, savings, and term certificate accounts.

Valuation

MetricValue
Price$46.80
Market Cap$674.09M
P/E Ratio8.63
P/B Ratio1.18
P/S Ratio2.16
EPS (TTM)$5.42
52-Week High$50.00
52-Week Low$36.20
Dividend Yield0.43%

Financials & Margins

MetricValue
ROE14.18%
ROA1.30%
ROCE1.79%
Gross Margin51.61%
Operating Margin34.68%
Net Margin25.13%
Debt/Equity0.05
Current Ratio19.27

Annual Financials (USD)

Metric20212022202320242025
Revenue$116.0M$100.0M$121.0M$144.0M$282.0M
Operating Profit$63.0M$67.0M$85.0M$104.0M$95.0M
Net Profit$44.0M$48.0M$60.0M$73.0M$68.0M
EPS$3.01$3.22$4.05$4.99$4.69
Op Margin54.3%67.0%70.4%72.1%33.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$3.7B$4.0B$4.9B$5.1B$5.8B
Total Liabilities$3.3B$3.7B$4.5B$4.7B$5.3B
Cash$161.0M$147.0M$549.0M$149.0M$477.0M
Borrowings$11.0M$102.0M$52.0M$52.0M$27.0M

Latest News

River City Bank Announces Pricing of Initial Public Offering Business Wire · Aug 6, 2026 River City Bank Reports Net Income of $19.6 Million for the Second Quarter of 2026 and a Quarterly Cash Dividend Business Wire · Jul 22, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$54.0M$64.0M$70.0M$62.0M$76.0M
Investing Cash Flow$-395.0M$-414.0M$-477.0M$-604.0M$-337.0M
Financing Cash Flow$315.0M$244.0M$861.0M$143.0M$615.0M
Net Cash Flow$-32.0M$-14.0M$402.0M$-400.0M$0
Free Cash Flow$53.0M$63.0M$70.0M$61.0M$75.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.05
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y28.81%
Return 3Y113.90%
Return 5Y—

Ownership

Insiders Held0.00%
Institutions Held1.75%
Institutions Float Held1.75%
Institutional HolderSharesReport Date
BANC FUNDS CO LLC101,5902026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ADBKFAddiko Bank AG $32.25 +6.67% 14.14 $622.01M 0.00%
AMBZAmerican Business Bank $73.00 +0.00% 11.44 $649.71M 1.64%
BPHLYBank of the Philippine Islands $34.33 +0.96% 9.83 $454.49M 4.95%
FFMRFirst Farmers Financial Corporation $34.01 +0.03% 13.88 $708.17M 3.06%
FMCBFarmers & Merchants Bancorp $1360.00 +0.37% 9.86 $941.51M 1.57%

About River City Bank

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.

River City Bank is headquartered in US.

River City Bank (RCBC) stock trades at $46.80 with a market capitalization of $674.09M. The stock is valued at a price-to-earnings (P/E) ratio of 8.63, price-to-book of 1.18, price-to-sales of 2.16. Over the past 52 weeks the stock has ranged between $36.20 and $50.00, and currently trades 6.4% below its 52-week high. It pays a dividend yielding 0.43%.

On profitability, River City Bank generates a return on equity (ROE) of 14.18%, above the typical market average, return on capital employed of 1.79%, an operating margin of 34.68%, a net profit margin of 25.13%.

Official website: rivercitybank.com

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