RCBC
River City Bank Common stock
Price Chart
Latest Quote
$46.80
+1.80 (+4.00%)
Current Price
| Previous Close | $45.00 |
| Open | $45.00 |
| Day High | $47.15 |
| Day Low | $45.00 |
| Volume | 543,158 |
Stock Information
| Quarterly Dividend / Yield | $0.19 / 0.38% |
| Shares Outstanding | 14.27M |
| Quarterly Dividend Yield | 0.38% |
| Quarterly Dividend | $0.19 |
| Cash Equivalents | $437.65M |
| Revenue | $154.93M |
| Net Income | $78.26M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $674.09M |
| P/E Ratio | 9.98 |
| EPS (TTM) | $4.69 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $217.31M |
| Sales | $154.93M |
| Income | $78.26M |
| Book/sh | $40.58 |
| Cash/sh | $30.66 |
Financial Ratios
| EPS Growth TTM | 27.30% |
Returns & Margins
| Operating Margin | 71.26% |
| Profit Margin | 50.51% |
Ownership
| Institutional Ownership | 1.75% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 4.35 |
| P/B | 1.15 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $46.17 |
| SMA50 | $43.95 |
| SMA200 | $42.29 |
| RSI | 60.55 |
| ATR | 1.0395 |
| Shares Float | 4.38M |
| Volatility | 0.16 |
| Rel Volume | 19.12 |
Performance History
| Week | -2.40% |
| Month | +7.33% |
| Quarter | +13.16% |
| 6 Months | +6.50% |
| YTD | +9.20% |
| Year | +28.81% |
| 3 Years | +114.38% |
| 5 Years | +80.82% |
| 10 Years | +291.37% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-08-06 | $46.80 | 543,200 |
| 2026-08-05 | $49.55 | 1,300 |
| 2026-08-04 | $48.22 | 300 |
| 2026-08-03 | $48.36 | 100 |
| 2026-07-31 | $47.95 | 0 |
| 2026-07-30 | $47.95 | 1,100 |
| 2026-07-29 | $47.14 | 400 |
| 2026-07-28 | $47.48 | 100 |
| 2026-07-27 | $47.85 | 2,100 |
| 2026-07-24 | $47.92 | 1,300 |
| 2026-07-23 | $45.22 | 5,400 |
| 2026-07-22 | $44.95 | 4,000 |
| 2026-07-21 | $44.46 | 700 |
| 2026-07-20 | $44.45 | 1,600 |
| 2026-07-17 | $44.70 | 2,200 |
| 2026-07-16 | $44.70 | 3,900 |
| 2026-07-15 | $43.95 | 0 |
| 2026-07-14 | $43.95 | 0 |
| 2026-07-13 | $43.95 | 600 |
| 2026-07-10 | $43.85 | 0 |
| 2026-07-09 | $43.85 | 1,700 |
| 2026-07-08 | $43.60 | 1,700 |
| 2026-07-07 | $43.35 | 4,500 |
About River City Bank Common stock
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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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $141,555,000 | $151,285,000 | $133,738,000 | $118,557,000 |
| Operating Revenue | $141,555,000 | $151,285,000 | $133,738,000 | $118,557,000 |
| Expenses | ||||
| Interest Expense | $140,429,000 | $142,449,000 | $93,102,000 | $18,724,000 |
| Operating Expense | $44,479,000 | $40,091,000 | $35,898,000 | $33,032,000 |
| Other Operating Expenses | $10,516,000 | $8,898,000 | $8,872,000 | $7,670,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $68,415,000 | $73,399,000 | $60,337,000 | $47,823,000 |
| Net Interest Income | $142,504,000 | $136,687,000 | $120,863,000 | $101,719,000 |
| Interest Income | $282,933,000 | $279,136,000 | $213,965,000 | $120,443,000 |
| Normalized Income | $68,415,000 | $73,399,000 | $60,337,000 | $47,823,000 |
| Net Income From Continuing And Discontinued Operation | $68,415,000 | $73,399,000 | $60,337,000 | $47,823,000 |
| Net Income Common Stockholders | $68,415,000 | $73,399,000 | $60,337,000 | $47,823,000 |
| Net Income | $68,415,000 | $73,399,000 | $60,337,000 | $47,823,000 |
| Net Income Including Noncontrolling Interests | $68,415,000 | $73,399,000 | $60,337,000 | $47,823,000 |
| Net Income Continuous Operations | $68,415,000 | $73,399,000 | $60,337,000 | $47,823,000 |
| Pretax Income | $95,091,000 | $103,655,000 | $85,255,000 | $67,120,000 |
| Per Share | ||||
| Diluted EPS | - | $4.99 | $4.05 | $3.22 |
| Basic EPS | - | $4.99 | $4.05 | $3.22 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $-3,753,000 | $-7,676,000 | $763,000 | $4,476,000 |
| Diluted NI Availto Com Stockholders | $68,415,000 | $73,399,000 | $60,337,000 | $47,823,000 |
| Tax Provision | $26,676,000 | $30,256,000 | $24,918,000 | $19,297,000 |
| Gain On Sale Of Security | $43,000 | $1,212,000 | - | $3,023,000 |
| Insurance And Claims | $2,450,000 | $2,658,000 | $1,996,000 | $1,083,000 |
| Rent And Landing Fees | $2,480,000 | $2,275,000 | $2,354,000 | $4,268,000 |
| Diluted Average Shares | - | $14,710,670 | $14,899,910 | $14,840,550 |
| Basic Average Shares | - | $14,710,670 | $14,899,910 | $14,840,550 |
Fetched: 2026-08-07
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $548,491,000 | $484,740,000 | $417,730,000 | $353,014,000 |
| Total Assets | $5,801,890,000 | $5,143,528,000 | $4,932,029,000 | $4,041,345,000 |
| Investmentin Financial Assets | $331,841,000 | $597,947,000 | $218,082,000 | $763,751,000 |
| Receivables | $23,208,000 | $23,390,000 | $16,669,000 | $12,063,000 |
| Cash And Cash Equivalents | $477,471,000 | $148,666,000 | $549,033,000 | $146,591,000 |
| Cash Cash Equivalents And Federal Funds Sold | $477,471,000 | $148,666,000 | $549,033,000 | $146,591,000 |
| Cash Financial | - | - | - | $146,591,000 |
| Debt | ||||
| Total Debt | - | - | - | $100,000,000 |
| Long Term Debt And Capital Lease Obligation | - | - | - | $100,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $5,253,399,000 | $4,658,788,000 | $4,514,299,000 | $3,688,331,000 |
| Derivative Product Liabilities | $59,090,000 | $130,050,000 | $114,940,000 | $127,760,000 |
| Payables | $5,152,000 | $4,925,000 | $7,161,000 | $994,000 |
| Accounts Payable | $5,152,000 | $4,925,000 | $7,161,000 | $994,000 |
| Equity | ||||
| Common Stock Equity | $548,491,000 | $484,740,000 | $417,730,000 | $353,014,000 |
| Total Equity Gross Minority Interest | $548,491,000 | $484,740,000 | $417,730,000 | $353,014,000 |
| Stockholders Equity | $548,491,000 | $484,740,000 | $417,730,000 | $353,014,000 |
| Retained Earnings | $513,521,000 | $447,574,000 | $376,354,000 | $318,107,000 |
| Other | ||||
| Ordinary Shares Number | $14,272,790 | $14,403,700 | $14,528,070 | $14,627,660 |
| Share Issued | $14,272,790 | $14,403,700 | $14,528,070 | $14,627,660 |
| Tangible Book Value | $548,491,000 | $484,740,000 | $417,730,000 | $353,014,000 |
| Capital Stock | $28,340,000 | $33,280,000 | $37,275,000 | $40,064,000 |
| Common Stock | $28,340,000 | $33,280,000 | $37,275,000 | $40,064,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $331,841,000 | $597,947,000 | $218,082,000 | $763,751,000 |
| Available For Sale Securities | $257,424,000 | $455,505,000 | $94,493,000 | $619,736,000 |
| Net PPE | $10,717,000 | $10,608,000 | $11,018,000 | $11,901,000 |
| Accumulated Depreciation | $-16,533,000 | $-15,898,000 | $-16,024,000 | $-15,070,000 |
| Gross PPE | $27,250,000 | $26,506,000 | $27,042,000 | $26,971,000 |
| Machinery Furniture Equipment | $5,085,000 | $4,721,000 | $5,235,000 | $5,071,000 |
| Buildings And Improvements | $19,458,000 | $19,078,000 | $19,100,000 | $19,193,000 |
| Land And Improvements | $2,707,000 | $2,707,000 | $2,707,000 | $2,707,000 |
| Invested Capital | - | - | - | $453,014,000 |
| Total Capitalization | - | - | - | $453,014,000 |
| Held To Maturity Securities | - | - | - | $0 |
Fetched: 2026-08-07
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $75,468,000 | $61,247,000 | $69,931,000 | $63,342,000 |
| Operating Activities | ||||
| Operating Cash Flow | $76,481,000 | $61,918,000 | $70,227,000 | $64,488,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,013,000 | $-671,000 | $-296,000 | $-1,146,000 |
| Investing Cash Flow | $-335,749,000 | $-603,095,000 | $-476,693,000 | $-413,044,000 |
| Net Other Investing Changes | - | - | - | $40,000,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-7,429,000 | $-5,973,000 | $-4,542,000 | $0 |
| Financing Cash Flow | $588,073,000 | $140,810,000 | $808,908,000 | $334,091,000 |
| Cash Dividends Paid | $-2,338,000 | $-2,179,000 | $-2,090,000 | $-1,960,000 |
| Common Stock Dividend Paid | $-2,338,000 | $-2,179,000 | $-2,090,000 | $-1,960,000 |
| Net Common Stock Issuance | $-7,429,000 | $-5,973,000 | $-4,542,000 | $0 |
| Other | ||||
| Repayment Of Debt | $-25,000,000 | $0 | $-50,000,000 | - |
| End Cash Position | $477,471,000 | $148,666,000 | $549,033,000 | $146,591,000 |
| Beginning Cash Position | $148,666,000 | $549,033,000 | $146,591,000 | $161,056,000 |
| Changes In Cash | $328,805,000 | $-400,367,000 | $402,442,000 | $-14,465,000 |
| Common Stock Payments | $-7,429,000 | $-5,973,000 | $-4,542,000 | $0 |
| Net Issuance Payments Of Debt | $-25,000,000 | $0 | $-50,000,000 | $92,000,000 |
| Net Long Term Debt Issuance | $-25,000,000 | $0 | $-50,000,000 | $92,000,000 |
| Long Term Debt Payments | $-25,000,000 | $0 | $-50,000,000 | - |
| Net Investment Purchase And Sale | $19,114,000 | $-14,535,000 | $-29,117,000 | $50,383,000 |
| Sale Of Investment | $526,596,000 | $505,360,000 | $394,193,000 | $261,772,000 |
| Purchase Of Investment | $-507,482,000 | $-519,895,000 | $-423,310,000 | $-211,389,000 |
| Net PPE Purchase And Sale | $-1,013,000 | $-671,000 | $-296,000 | $-190,000 |
| Purchase Of PPE | $-1,013,000 | $-671,000 | $-296,000 | $-1,146,000 |
| Change In Working Capital | $-2,700,000 | $-9,515,000 | $-177,000 | $5,405,000 |
| Change In Other Current Liabilities | $-3,801,000 | $-3,648,000 | $3,695,000 | $3,377,000 |
| Change In Other Current Assets | $692,000 | $997,000 | $-5,433,000 | $4,443,000 |
| Change In Payable | $227,000 | $-2,236,000 | $6,167,000 | $543,000 |
| Change In Receivables | $182,000 | $-4,628,000 | $-4,606,000 | $-2,958,000 |
| Other Non Cash Items | $-57,651,000 | $17,312,000 | $-22,405,000 | $105,962,000 |
| Stock Based Compensation | $2,359,000 | $1,978,000 | $1,753,000 | $2,319,000 |
| Provisionand Write Offof Assets | $1,985,000 | $7,539,000 | $12,585,000 | $18,405,000 |
| Deferred Tax | $-1,574,000 | $-1,277,000 | $-3,559,000 | $-3,418,000 |
| Depreciation And Amortization | $-3,753,000 | $-7,676,000 | $763,000 | $4,476,000 |
| Depreciation | $-3,753,000 | $-7,676,000 | $763,000 | $4,476,000 |
| Gain Loss On Investment Securities | $69,400,000 | $-19,842,000 | $20,930,000 | $-115,803,000 |
| Net Income From Continuing Operations | $68,415,000 | $73,399,000 | $60,337,000 | $47,823,000 |
| Sale Of PPE | - | - | - | $956,000 |
| Gain Loss On Sale Of PPE | - | - | - | $-681,000 |
Fetched: 2026-08-07