River City Bank (RCBC)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 53 | 103 | 81 | 28 | 1 | 142 | 166 | - |
| Operating profit | $m | 95 | 108 | ||||||
| Net profit | $m | 32 | 44 | 48 | 60 | 73 | 68 | 78 | 73 |
| EPS reported | $ | 4.69 | 5.42 | ||||||
| Operating cashflow per share | $ | 5.24 | 0.00 | ||||||
| Capex per share | $ | 0.07 | 0.00 | ||||||
| FCF per share | $ | 5.17 | 0.00 | ||||||
| Free cash flow | $m | 75 | 0 | ||||||
| Net debt | $m | -452 | -353 | ||||||
| Book value equity | $m | 548 | 568 | ||||||
| Book value per share | $ | 37.61 | 39.60 | ||||||
| Number of shares | m | 14.58 | 14.34 | ||||||
| DPS (TTM paid) | $ | 0.16 | 0.19 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.36 | 17.43 | ||||||
| P/B LTM | x | 1.17 | 1.13 | ||||||
| P/S LTM | x | 4.52 | 3.86 | ||||||
| P/FCF LTM | x | 8.48 | 0.00 | ||||||
| EV/EBITDA LTM | x | 1.99 | 1.75 | ||||||
| EV/Sales LTM | x | 0.67 | -0.14 | ||||||
| Earnings Yield LTM | % | +10.68% | +5.74% | ||||||
| FCF Yield | % | +11.79% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +12.47% | +13.78% | ||||||
| ROIC | % | +1.18% | +1.22% | ||||||
| Operating margin | % | +33.72% | +35.43% | ||||||
| Gross margin | % | +49.50% | +49.51% | ||||||
| FCF/Sales | % | +26.76% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -6.01% | +8.62% | ||||||
| Sales Growth YoY | % | - | - | ||||||
| Net Income Growth YoY | % | -6.79% | +6.62% | ||||||
| FCF Growth | % | +23.22% | -100.00% | ||||||
| Operating Profit Growth | % | -8.26% | +4.18% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.37% | +0.40% | ||||||
| Dividend Growth | % | +8.11% | +28.38% | ||||||
| Payout Ratio | % | +3.42% | +3.42% | ||||||
| FCF/Debt | x | 2.84 | - | ||||||
| Net Debt/EBITDA | x | -4.74 | -6.72 | ||||||
| EBIT/Net interest | x | 0.68 | 0.72 | ||||||
| Net debt/market cap | % | +3.99% | 0.00% | ||||||
| Net debt/Equity | x | -0.82 | -0.62 | ||||||
| Gross debt/equity | x | 0.05 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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