OTC · Banks - Regional

River City Bank (RCBC) Stock

$54.87 +0.31% OTC: RCBC Financial Services

Valuation

MetricValue
Price$54.87
Market Cap$790.33M
P/E Ratio10.05
P/B Ratio1.38
P/S Ratio2.52
EPS (TTM)$5.42
52-Week High$55.59
52-Week Low$38.20
Dividend Yield0.37%

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
BHBBar Harbor Bankshares, Inc. $38.20 -0.74% 13.28 $639.46M 3.45%
BWBBridgewater Bancshares, Inc. $20.23 -0.76% 10.90 $563.95M 0.00%
CCBGCapital City Bank Group $48.25 -0.74% 13.79 $825.73M 2.17%
CHCOCity Holding Company $140.61 +0.39% 15.63 $1.98B 2.80%
EGBNEagle Bancorp, Inc. $28.23 -0.25% -22.52 $860.88M 0.14%

About River City Bank

River City Bank is headquartered in US.

River City Bank (RCBC) stock trades at $54.87 with a market capitalization of $790.33M. The stock is valued at a price-to-earnings (P/E) ratio of 10.05, price-to-book of 1.38, price-to-sales of 2.52. Over the past 52 weeks the stock has ranged between $38.20 and $55.59, and currently trades 1.3% below its 52-week high. It pays a dividend yielding 0.37%.

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%.

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