Financial Services
Live Price
Offline$43.20
+0.00% today
1Y Change
+28.48%
Window
Jun 23, 2025 → Jun 18, 2026
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.
Benchmark Comparison
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
Uses the longest available daily history for RCBC and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$115.9M
+15.7% YoY
FY Net Income
$44.5M
-7.0% YoY
Free Cash Flow
$53.5M
-15.6% YoY
Revenue Growth
+96.2%
EPS Growth
-6.0%
Gross Margin
49.5%
Net Margin
25.6%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 282M | 144M | 121M | 100M | 116M |
| Gross Profit | 140M | 144M | 121M | 100M | 103M |
| Operating Income | 95M | 104M | 85M | 67M | 63M |
| EBITDA | 95M | 96M | 86M | 72M | 70M |
| Net Income | 68M | 73M | 60M | 48M | 44M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 477M | 149M | 549M | 147M | 161M |
| Total Assets | 5.8B | 5.1B | 4.9B | 4.0B | 3.7B |
| Total Liabilities | 5.3B | 4.7B | 4.5B | 3.7B | 3.3B |
| Shareholder Equity | 548M | 485M | 418M | 353M | 308M |
| Total Debt | 27M | 52M | 52M | 102M | 11M |
| Net Debt | -451M | -149M | -497M | -47M | -159M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
54M
-16.3% YoY
Capital Expenditures
486K
+57.6% YoY
Free Cash Flow
53M
-15.6% YoY
Key ratios
Gross Margin
49.5%
Operating Margin
35.4%
Net Margin
25.6%
ROE
13.8%
Debt / Equity
0.00x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.