RCBC
River City Bank
RCBC's fundamentals are mixed, but it looks cheap: trading at 11x earnings, below its usual 16x.
RCBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
RCBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like RCBC.
RCBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.9x | $53.86 | -8.5% |
| Current | 11x | $58.89 | — |
| Fair | 16x | $84.39 | +43% |
| Expensive | 20x | $109 | +86% |
Historical ranges are pointers, not guarantees.
RCBC's PE is in its cheap range at 11x.
RCBC Forward outlook
There aren't enough analyst estimates for RCBC to show an outlook.
RCBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $5.42 | +22% |
| Q4 2006 | $0.99 | -24% |
RCBC earned $5.42 per share over the past year, up 22% from the year before.
RCBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $78.6M | +39% |
| Q1 2026 | $75.9M | +46% |
| Q4 2025 | $84.3M | +108% |
| Q3 2025 | $72.6M | +124% |
| Q4 2006 | $7.2M | -39% |
| Q3 2006 | $135K | +7.1% |
| Q2 2006 | $92K | +31% |
| Q1 2006 | $103K | +203% |
RCBC's revenue has grown year over year for eight quarters in a row: $79M last quarter, up 39% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 34% | -3.8 points |
| Q1 2026 | 33% | -0.6 points |
| Q4 2025 | 34% | +13 points |
| Q3 2025 | 38% | -62 points |
| Q2 2025 | 38% | N/A |
| Q1 2025 | 33% | N/A |
| Q4 2024 | 21% | N/A |
| Q3 2024 | 100% | N/A |
RCBC's operating margin was 34% last quarter, down 3.8 points from the same quarter a year ago.
RCBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
RCBC's free cash flow was $0 over the past year, against $0 the year before. Free cash flow isn't a meaningful measure for financial services companies like RCBC.
RCBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -176K shares |
| 1 year | -2.1% | -307K shares |
| 3 years | +0.9% | +131K shares |
| 5 years | +54% | +5M shares |
RCBC has 14M diluted shares, down 2.1% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
RCBC hasn't bought back shares in the past year.
RCBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -3.3x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -4.7x | Net Cash |
| Q3 2025 | -5.1x | Net Cash |
| Q2 2025 | -1.4x | Net Cash |
| Q4 2006 | 4.7x | High |
RCBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like RCBC.
RCBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 79.5 | Overbought |
| Stochastic | 85.6 | Overbought |
RCBC's weekly RSI is 79 (overbought) and its Stochastic is 86 (overbought).
RCBC PE vs Financial Services Sector
| Metric | RCBC | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 24 | 63 | 39 pts below |
RCBC is trading at 11x earnings, a 17% discount to the Financial Services sector's median of 13x.
RCBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $55.6 | 5.9% above |
| 20 week MA | $51.2 | 15% above |
| 50 week MA | $46.0 | 28% above |
| 100 week MA | $40.6 | 45% above |
| 200 week MA | $32.4 | 82% above |
RCBC is in an uptrend: it's above all five of its weekly moving averages, and 82% above its 200-week average.
RCBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.5 | $16.3 | -28% |
| 2021 | $16.3 | $27.9 | +72% |
| 2022 | $27.9 | $23.8 | -15% |
| 2023 | $23.8 | $22.5 | -5.3% |
| 2024 | $22.5 | $31.0 | +38% |
| 2025 | $31.0 | $43.0 | +39% |
| 2026 YTD | $43.0 | $58.9 | +37% |
RCBC is up 37% so far in 2026, after finishing lower in three of the previous six years.