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RIVER CITY BANK/CA

RCBCNASDAQ
πŸ† #2601 by market capEarnings Oct 15US Equity
$51.20β–Ό $0.38 (βˆ’0.74%)
Market closed Β· at close
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24hβ–Ό 0.7%
7dβ–² 1.4%
14dβ–Ό 3.5%
30dβ–Ό 1.0%
ytdβ€”
1yβ€”
🏦Market Cap
$737M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+96.2%
High Growth
πŸ“ŠGross Margin
51.6%
Healthy
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
88
Very Good

Trading Snapshot

Day Range
$50.70 – $51.87
52-Week Range
$38.20 – $54.88
Volume
$2.42B
Avg Volume
$1.73B
Shares Outstanding
14.4M
Next Earnings
Oct 26, 2026

Fundamentals Snapshot

Annual Revenue
$282M
Last Q Revenue
$79M
P/E Ratio
9.4
P/S Ratio
2.4x
EPS (TTM)
$5.46
Dividend Yield
0.37%
Dilution (1yr)
βˆ’2.4%

Why Investors Own RCBC

  • βœ“High-growth profile β€” revenue up +36.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 58% gross margin and 5% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

RCBC logo

RIVER CITY BANK/CA

RCBC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$282Mβ–² +96.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
49.5%β–Ό βˆ’50.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$95Mβ–Ό βˆ’8.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$75Mβ–² +23.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
14.5Mβ–Ό βˆ’2.4% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$451Mβ–² +$476M YoY
StockOtter Β· stockotter.space

About RIVER CITY BANK/CA

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
88/100

Analyst Price Target

β“˜
Average Target
$55.42
β–² +8.2% Upside
High Target$69.47
Low Target$42.55
Based on 17 analysts

Latest News & Updates

Defense WorldΒ·3d ago

River City Bank (NASDAQ:RCBC) Stock Has Average Target Price of $55.00 According to Analysts

Shares of River City Bank (NASDAQ: RCBC - Get Free Report) have earned a consensus rating of "Hold" from the six ratings firms that are covering the stock, MarketBeat.com reports. One research analyst has rated the stock

GuruFocusΒ·28d ago

River City Bank (RCBC) Shares Surge 3.6% -- What GF Score of 63 Tells Investors

On September 02, 2026, River City Bank (RCBC) shares rose 3.6% to a current price of $52.14, continuing an upward trend with a 52-week range of $36.76 to $53.48

Defense WorldΒ·29d ago

River City Bank (NASDAQ:RCBC) Sees Large Volume Increase Following Analyst Upgrade

River City Bank (NASDAQ: RCBC - Get Free Report) shares saw unusually-high trading volume on Tuesday after Keefe, Bruyette and Woods upgraded the stock to a moderate buy rating. 32,414 shares were traded during trading,

247 WallstΒ·Aug 31

Here Are Monday’s Top Wall Street Analyst Research Calls: AGCO Corporation, Deere & Co., Edison International, Lumentum Holdings, PG&E, Sempra Energy, STAG Industrial, Ticketplus, and More

Rate hike fears rattled markets heading into the Labor Day weekend, and Wall Street analysts responded with a flurry of bold calls on utilities, farm equipment giants, and a ticketing upstart that could reshape your port

Business WireΒ·Aug 7

River City Bank Announces Closing of Initial Public Offering

SACRAMENTO, Calif.--(BUSINESS WIRE)---- $RCBC #rivercitybank--River City Bank (NASDAQ: RCBC) (the β€œBank”) today announced the successful completion of its initial public offering (IPO) of 2,700,000 shares of its common s

Business WireΒ·Aug 5

River City Bank Announces Pricing of Initial Public Offering

SACRAMENTO, Calif.--(BUSINESS WIRE)---- $RCBC #rivercitybank--River City Bank (the β€œBank”) today announced the pricing of its initial public offering (IPO) of 2,700,000 shares of its common stock at a public offering pri