Stocks · Financial Services · Banks - Regional
River City Bank RCBC
$54.17 +3.50% Close, Oct 2, 2026 · NASDAQ · Market cap $780.2M
Strong trendInexpensive vs sector
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 729 trading days, with the 50-day average above the 200-day.
- The company holds net cash of $353.4M (cash above total debt).
- Over the past year the stock returned +40.8%, ahead of the S&P 500 by 25.7 percentage points.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth, 3-year CAGRTop 9%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 50%
- Gross marginBottom 24%
- Operating marginTop 21%
- Cash conversion (OCF / net income)Bottom 21%
- Accruals (lower is better)Bottom 22%
- Net debt / EBITDA (lower is better)Top 8%
- Interest coverBottom 40%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 16%
- Free-cash-flow yieldBottom 25%
- EBITDA / enterprise valueTop 6%
- Sales / enterprise valueTop 16%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 17%
- 6-month returnTop 10%
- 1-year return vs S&P 500Top 12%
- Distance from 52-week highTop 8%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Upside to consensus price targetBottom 15%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 39%
- Maximum drawdown, 3 yearsTop 21%
- Beta vs S&P 500 (lower is better)Top 25%
- Net debt / EBITDA (lower is better)Top 8%
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Gross margin | 51.6% | — | Bottom 24% | |
| Operating margin | 34.7% | — | Top 21% | |
| Net margin | 25.1% | — | — | |
| Free-cash-flow margin | 0.0% | — | — | |
| Return on invested capital | 1.3% | — | Bottom 50% | |
| Revenue growth, 3-year CAGR | 41.2% | — | Top 9% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.27×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.00%
- Share count change, 1 year
- -2.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jun 30, 2026).
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.0× | — | — | Top 16% |
| P/E (forward) | 10.8× | — | — | — |
| EV / EBITDA | 4.0× | — | — | Top 6% |
| EV / Sales | 1.37× | — | — | Top 16% |
| Free-cash-flow yield | 0.00% | — | — | Bottom 25% |
| Earnings yield | 10.01% | — | — | Top 16% |
P/E over the past five years
Range 7.9× – 79.6× since Dec 31, 2023. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 85
- Days above the 200-day average
- 729
- 50-day average slope (20 days)
- +7.2%
- 200-day average slope (20 days)
- +2.8%
- Distance from 50-day average
- +8.1%
- Distance from 200-day average
- +21.6%
- RSI (14)
- 67.0
- Relative volume
- 0.44×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.3%
- Volatility vs own 5-year history
- 55th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.31
- Correlation with S&P 500
- 0.25
- Current drawdown from 1-year high
- +0.0%
- Maximum drawdown, 3 years
- -13.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 19, 2021 | May 12, 2023 | -38.0% | 370 days | 261 days (May 28, 2024) |
| Mar 26, 2021 | Mar 30, 2021 | -13.6% | 2 days | 14 days (Apr 20, 2021) |
| Mar 21, 2025 | Apr 4, 2025 | -13.4% | 10 days | 68 days (Jul 15, 2025) |
| Jun 5, 2024 | Jul 2, 2024 | -12.5% | 18 days | 9 days (Jul 16, 2024) |
| Jul 17, 2024 | Aug 8, 2024 | -10.6% | 16 days | 54 days (Oct 24, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $780.2M
- P/E (TTM)
- 10.0
- EPS, diluted (TTM)
- $5.42
- Revenue (TTM)
- $311.4M
- Dividend yield
- 1.02%
- 52-week range
- $38.20 – $54.88
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $115.9M | $100.2M | $121.2M | $143.7M | $282.0M |
| Gross profit | $103.3M | $100.2M | $121.2M | $143.7M | $139.6M |
| Operating income | $62.9M | $67.1M | $85.3M | $103.7M | $95.1M |
| Net income | $44.5M | $47.8M | $60.3M | $73.4M | $68.4M |
| EPS (diluted) | $3.01 | $3.22 | $4.05 | $4.99 | $4.69 |
| Q3 2023 | Q4 2023 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $52.1M | $56.7M | $72.6M | $84.3M | $75.9M | $78.6M |
| Net income | -$4.6M | $16.8M | $12.3M | $15.4M | $19.7M | $21.0M | $17.9M | $19.6M |
| EPS (diluted) | -$0.31 | $1.13 | $0.83 | $1.05 | $1.36 | $1.45 | $1.24 | $1.37 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $53.9M | $64.5M | $70.2M | $61.9M | $76.5M |
| Capital expenditure | -$486,000 | -$1.1M | -$296,000 | -$671,000 | -$1.0M |
| Free cash flow | $53.5M | $63.3M | $69.9M | $61.2M | $75.5M |
| Dividends paid | -$1.9M | -$2.0M | -$2.1M | -$2.2M | -$2.3M |
| Net share buybacks | -$291,000 | $0 | -$4.5M | -$6.0M | -$7.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $353.4M
- Total assets
- $6.04B
- Total liabilities
- $5.47B
- Total debt
- $0
- Net debt
- -$353.4M
- Shareholders’ equity
- $567.9M
As of Jun 30, 2026 (filed Jun 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.05 | Aug 17, 2026 |
| May 5, 2026 | $0.05 | May 19, 2026 |
| Feb 10, 2026 | $0.05 | Feb 24, 2026 |
| Nov 4, 2025 | $0.40 | Nov 18, 2025 |
| Jul 29, 2025 | $0.40 | Aug 12, 2025 |
| May 6, 2025 | $0.40 | May 20, 2025 |
| Feb 12, 2025 | $0.40 | Feb 26, 2025 |
| Oct 29, 2024 | $0.37 | Nov 12, 2024 |
Short interest
- Shares sold short
- 86,272
- Days to cover
- 1.21
- Change vs previous report
- +2901.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 16, 2025
- 10-for-1
- Jul 14, 2003
- 11-for-10