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River City Bank RCBC

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Price alert · RCBC

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58.77 USD +0.78 +1.35%

As of Nov 2, 12:42 PM ET

Bid
58.54 × 1
Ask
58.99 × 1
58.08 Day range 58.80
38.76 52-week range 59.25
YTD
+33.93%
1 year
+47.29%
Open
58.34
Prev close
57.99
Mkt cap
822.90M
Vol
44.17K
Avg vol
83.62K
EPS
4.69
P/E
12.54
Div yield
0.00%
More statistics
Low
58.08
High
58.80

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Financial health

Altman Z-Score

0.30 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 4
  • P/B 3

Valuation

P/E 9.4×
FY 2016: 12.4×FY 2017: 15.4×FY 2018: 11.2×FY 2019: 12.1×FY 2020: 7.6×FY 2021: 9.0×FY 2022: 7.4×FY 2023: 5.6×FY 2024: 6.2×FY 2025: 9.4×
FY 2016 5y median 7.4× FY 2025
P/S 2.3×
FY 2016: 3.5×FY 2017: 4.0×FY 2018: 4.3×FY 2019: 4.5×FY 2020: 3.3×FY 2021: 3.5×FY 2022: 2.6×FY 2023: 1.5×FY 2024: 1.6×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
P/B 1.2×
FY 2016: 1.0×FY 2017: 1.3×FY 2018: 1.3×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 1.3×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 1.0× FY 2025
P/FCF 8.5×
FY 2016: 15.2×FY 2017: 14.6×FY 2018: 9.8×FY 2019: 10.9×FY 2020: 5.3×FY 2021: 7.5×FY 2022: 5.6×FY 2023: 4.8×FY 2024: 7.4×FY 2025: 8.5×
FY 2016 5y median 7.4× FY 2025
EV/EBITDA 2.0×
FY 2016: 16.2×FY 2017: 12.7×FY 2018: 12.9×FY 2019: 10.8×FY 2020: 1.3×FY 2021: 3.6×FY 2022: 3.4×FY 2023: -0.9×FY 2024: 1.5×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
EV/Sales 0.7×
FY 2016: 9.4×FY 2017: 8.0×FY 2018: 7.5×FY 2019: 5.7×FY 2020: 0.9×FY 2021: 2.2×FY 2022: 2.3×FY 2023: -0.7×FY 2024: 1.2×FY 2025: 0.7×
FY 2016 5y median 1.2× FY 2025
FCF Yield 11.8%
FY 2016: 6.6%FY 2017: 6.8%FY 2018: 10.2%FY 2019: 9.2%FY 2020: 18.9%FY 2021: 13.3%FY 2022: 17.8%FY 2023: 20.8%FY 2024: 13.4%FY 2025: 11.8%
FY 2016 5y median 13.4% FY 2025

Profitability

Gross Margin 49.5%
FY 2016: 116.3%FY 2017: 116.7%FY 2018: 95.6%FY 2019: 91.3%FY 2020: 143.4%FY 2021: 89.1%FY 2022: 72.9%FY 2023: 59.0%FY 2024: 48.9%FY 2025: 49.5%
FY 2016 5y median 59.0% FY 2025
Operating Margin 33.7%
FY 2016: 58.0%FY 2017: 58.4%FY 2018: 61.5%FY 2019: 51.4%FY 2020: 67.1%FY 2021: 54.3%FY 2022: 48.9%FY 2023: 37.6%FY 2024: 35.3%FY 2025: 33.7%
FY 2016 5y median 37.6% FY 2025
Net Margin 24.3%
FY 2016: 29.6%FY 2017: 27.1%FY 2018: 38.6%FY 2019: 36.8%FY 2020: 43.1%FY 2021: 38.4%FY 2022: 34.9%FY 2023: 26.6%FY 2024: 25.0%FY 2025: 24.3%
FY 2016 5y median 26.6% FY 2025
ROE 12.5%
FY 2016: 8.7%FY 2017: 9.0%FY 2018: 11.5%FY 2019: 10.7%FY 2020: 11.7%FY 2021: 14.4%FY 2022: 13.5%FY 2023: 14.4%FY 2024: 15.1%FY 2025: 12.5%
FY 2016 5y median 14.4% FY 2025
ROIC 1.2%
FY 2016: 2.0%FY 2017: 1.9%FY 2018: 3.2%FY 2019: 4.5%FY 2020: 5.9%FY 2021: 6.8%FY 2022: 4.3%FY 2023: 8.1%FY 2024: 8.5%FY 2025: 1.2%
FY 2016 5y median 6.8% FY 2025
ROA 1.2%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 1.1%FY 2019: 1.0%FY 2020: 1.0%FY 2021: 1.2%FY 2022: 1.2%FY 2023: 1.2%FY 2024: 1.4%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue -4.0%
FY 2016: 12.7%FY 2017: 22.2%FY 2018: 1.2%FY 2019: 10.5%FY 2020: 6.9%FY 2021: 57.8%FY 2022: 18.3%FY 2023: 65.4%FY 2024: 29.5%FY 2025: -4.0%
FY 2016 FY 2025
Operating Income -8.3%
FY 2016: 16.7%FY 2017: 23.1%FY 2018: 6.5%FY 2019: -7.7%FY 2020: 39.6%FY 2021: 27.6%FY 2022: 6.6%FY 2023: 27.0%FY 2024: 21.6%FY 2025: -8.3%
FY 2016 FY 2025
EPS (diluted) -6.0%
FY 2016: 25.0%FY 2017: 11.4%FY 2018: 43.2%FY 2019: 5.0%FY 2020: 24.5%FY 2021: 39.7%FY 2022: 6.9%FY 2023: 25.7%FY 2024: 23.2%FY 2025: -6.0%
FY 2016 FY 2025
Free Cash Flow 23.2%
FY 2016: -33.1%FY 2017: 46.2%FY 2018: 62.3%FY 2019: 2.9%FY 2020: 60.0%FY 2021: 18.5%FY 2022: 18.5%FY 2023: 10.4%FY 2024: -12.4%FY 2025: 23.2%
FY 2016 FY 2025

Financial Health

Current Ratio 19.6×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 19.6×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 19.6×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 19.6×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.0×
FY 2016: 1.9×FY 2017: 1.7×FY 2018: 1.3×FY 2019: 0.6×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.3×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -4.7×
FY 2016: 10.2×FY 2017: 6.3×FY 2018: 5.5×FY 2019: 2.3×FY 2020: -3.7×FY 2021: -2.2×FY 2022: -0.5×FY 2023: -2.8×FY 2024: -0.4×FY 2025: -4.7×
FY 2016 5y median -2.2× FY 2025
Interest Coverage 0.7×
FY 2016: 6.0×FY 2017: 4.1×FY 2018: 2.5×FY 2019: 1.5×FY 2020: 2.5×FY 2021: 5.0×FY 2022: 3.6×FY 2023: 0.9×FY 2024: 0.7×FY 2025: 0.7×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 0.4%
FY 2016: 1.0%FY 2017: 0.8%FY 2018: 0.6%FY 2019: 0.5%FY 2020: 0.7%FY 2021: 0.5%FY 2022: 0.6%FY 2023: 0.6%FY 2024: 0.5%FY 2025: 0.4%
FY 2016 5y median 0.5% FY 2025
Payout Ratio 3.4%
FY 2016: 11.8%FY 2017: 11.2%FY 2018: 6.3%FY 2019: 6.5%FY 2020: 5.6%FY 2021: 4.2%FY 2022: 4.1%FY 2023: 3.5%FY 2024: 3.0%FY 2025: 3.4%
FY 2016 5y median 3.5% FY 2025

Annual · latest fiscal year ends 2025-12-31