# River City Bank (RCBC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $53.04, market value $742 million.

## Valuation
- **P/E (trailing): 11.3×** (5-yr avg 6.3×, 3-yr avg 5.8×). River City Bank trades at 11.3× trailing earnings, well above its own five-year average of 6.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.6×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 5.2×**. Each dollar of revenue is priced at 5.2×.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.2%** (5-yr avg 17.6%). Free cash flow equals 10.2% of the market value, below its five-year average of 17.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.8%**. The inverse of the P/E: 8.8% of the price is earned each year.

## Profitability
- **Net margin: 48.3%**. 48.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.5%**. 12.5% on shareholders' equity is solid.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -6.4%** (3-yr 6.1%/yr). Revenue fell 6.4% over the last year.
- **Free-cash-flow growth (3 yr): 6.0%/yr**. Free cash flow has compounded at 6.0% a year over three years.

## Dividends
- **Dividend yield: 0.36%** ($0.19 per share, trailing). River City Bank yields 0.36%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 3%** (3% of free cash flow). 3% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 11**. 11 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.9%/yr** (1-yr 8.1%). The dividend has grown 5.9% a year over five years.
- **Shareholder yield: 1.4%**. Dividends plus net buybacks return 1.4% of the market value a year.

## Price and momentum
- **Total return (1 yr): 43.8%** (YTD 21.2%, 3-mo 27.8%). The shares are up 43.8% over twelve months including dividends.
- **From 52-week high: -0.8%** (41.5% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 83**. An RSI of 83 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): -0.04** (volatility 17%). Beta of -0.04 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=RCBC · Page: https://foliofundamentals.com/stocks/rcbc

Not investment advice.