Is River City Bank (RCBC) Overvalued?
We dive into why River City Bank (RCBC) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
7 Undervalued Banks Stocks for Thursday, June 04
Discover the top 7 undervalued Banks stocks for Thursday, June 04 based on AAII’s Stock Grades.Tudor Pop
Is River City Bank (RCBC) a Good Dividend Stock?
Learn more about River City Bank's (RCBC) dividend history and yield. Also, check out how they are graded based on valuation, growth and strength.Omar Beirat
Does River City Bank (RCBC) Have Momentum?
With data as of March 16, 2026, we examine if River City Bank(RCBC) is consistently building momentum based on AAII's A+ Investor Momentum and Value Scores and Grades.Omar Beirat
Is River City Bank (RCBC) Stock a Good Investment?
Learn more about River City Bank's (RCBC) stock grades for Value, Momentum and Growth and determine whether this Banks stock meets your investment needs.Tudor Pop
Financial Summary
| Share Statistics | RCBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $686.3 | $745.4 | 40% |
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| Shares Out (Mil) | 14.3 | 15.3 | 25% |
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| Institutional Ownership | 5.7% | 83.2% | 5% |
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| Float (Mil) | 7.2 | 21.8 | 15% |
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| Beta | 0.16 | 0.42 | 11% |
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| Avg Daily Volume (000s) | 28 | 45 | 23% |
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| Price Change (52-week) |
53.7% | 94.6% | 80% |
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| Growth | RCBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 13.7% | 7.7% | 70% |
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| Net Income (5yr) | 16.7% | 11.1% | 67% |
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| EPS (5yr) | 16.8% | 10.1% | 62 |
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| Dividends (5yr) | 0.0% | 3.6% | 60% |
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| Cash Flow (5yr) | 17.8% | (17.1%) | 77% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | RCBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $155 | $196 | 30% |
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| Net Income (TTM) (Mil) | $78 | $55 | 59% |
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| EPS (TTM) | $5.408 | $2.600 | 87% |
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| Operating Cash Flow (TTM) (Mil) | na | $35 | na |
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| Net Cash Flow (TTM) (Mil) | na | $2 | na |
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| Long-Term Debt (Q1) (Mil) | $0 | $100 | 0% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | RCBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.21 | 1.25 | 29% |
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| P/E | 9.1 | 12.4 | 13% |
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| Dividend Yield | 0.4% | 2.2% | 62% |
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| PEG (5yr hist) | 0.5 | 1.1 | 26% |
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| Ratios | RCBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 50.5% | 29.1% | 97% |
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| ROA | 2.6% | 1.1% | 59% |
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| ROE | 27.6% | 11.3% | 86% |
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| Liabilities to Assets | 90.6% | 89.7% | 87% |
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| F-Score | 1 | 4 | na |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
