Financial Services
River City Bank(RCBC)
Live Price
Offline$43.20
+0.00% today
1Y Change
+28.48%
Window
Jun 23, 2025 → Jun 18, 2026
- Market Cap
- $600.00M
- Revenue Growth
- +96.2%
- EPS Growth
- -6.0%
- Dividend Yield
- 0.4%
Coverage: 249 bars · Jun 23, 2025 → Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
River City Bank (RCBC) is a Financial Services stock with a market cap of $600.00M and listed on OTC. The stock last traded around $43.20 and up 28.5% across the available one-year price window (Jun 23, 2025 → Jun 18, 2026). Baseline metrics include revenue growth of +96.2%, EPS growth of -6.0%, a dividend yield of 0.4%. What stands out right now is revenue +96.2%, EPS -6.0%, free cash flow +23.2% with operating margin 35.4% and ROIC 1.2%. The dividend is present but secondary, with a yield around 0.4%. Valuation is more restrained than many high-expectation growth names at P/E 8.1 and price/sales 2.1. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines RCBC price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+96.2% vs +3.4% peer median
Operating Margin
Above sector median
+35.4% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
The operating picture looks softer than before
Revenue is at +96.2% and EPS is at -6.0%, with operating margin around 35.4%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 0.4%, which matters if the thesis depends on income as much as growth.
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
RCBC
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
RCBC Max Drawdown
-10.50%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for RCBC and SPY.
Company Overview
River City Bank
Other OTC
River City Bank provides various banking services for business, consumer, and commercial real estate sectors in the United States. It offers checking, savings, and term certificate accounts. The company also provides personal loans, home equity loans, revolving lines of credit, non-revolving line of credit, and letters of credit, as well as commercial real estate, agriculture, and residential mortgage loans. In addition, it provides cash management services; lockbox, clean energy, and premier banking services; debit and credit cards; and online and mobile banking services. The company operates nine branch locations within El Dorado, Placer, Sacramento, and Yolo counties, as well as two loan production offices in San Francisco and Sonoma counties. River City Bank was founded in 1963 is headquartered in Sacramento, California.
- Leadership
- Stephen A. Fleming
- IPO Date
- Jan 30, 2008
- Employees
- 160
- Street Address
- 2485 Natomas Park Drive
- Mailing
- Sacramento, CA, 95833
- Region
- Sacramento, CA, US
- Reporting Currency
- USD
- Investor Line
- 916 567 2600
- Last Updated
- May 4, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.1
- EV/EBITDA
- —
- Price/Sales
- 2.1
- Price/Book
- 1.1
Growth
- Revenue
- +96.2%
- EPS
- -6.0%
- Free Cash Flow
- +23.2%
Profitability
- Gross Margin
- 49.5%
- Operating Margin
- 35.4%
- Net Margin
- 25.6%
- ROE
- 13.8%
- ROIC
- 1.2%
Balance Sheet
- Debt/Equity
- —
- Current Ratio
- —
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.