River City Bank

(OTC) RCBC

Current Price$44.30

Market Cap$649.02M

Since IPO (1995)+2,313%

5 Year+67%

1 Year+23%

1 Month+4%

River City Bank last closing stock price
Metric	Price	Date
Last close	USD 44.75	2026-07-16

River City Bank stock price return by period
Period	Price return	Price at period start	Period start date
1 week	+1.94%	USD 43.90	2026-07-09
1 month	+3.59%	USD 43.20	2026-06-16
3 month	+8.75%	USD 41.15	2026-04-17
Year to date	+2.23%	USD 43.77	2025-12-31
1 year	+23.22%	USD 36.32	2025-07-16
3 year	+121.71%	USD 20.18	2023-07-11
5 year	+67.19%	USD 26.77	2021-07-16
Since inception	+2,312.97%	USD 1.85	1995-05-08

River City Bank Financials at a Glance

Market Cap

$649.02M

Revenue (TTM)

$289.50M

Net Income (TTM)

$74.06M

EPS (TTM)

$4.69

P/E Ratio

9.54

Dividend

$0.90

Beta (Volatility)

0.14 (Low)

Dividend

$0.90

Beta (Volatility)

0.14 (Low)

Price

$44.30

Volume

300

Open

$44.50

Price

$44.30

Volume

300

Open

$44.50

Previous Close

$44.75

Daily Range

$44.30 - $44.50

52-Week Range

$35.76 - $50.00

Estimated Earnings Date

N/A

Dividend

$0.90

Beta (Volatility)

0.14 (Low)

Price

$44.30

Volume

300

Open

$44.50

Previous Close

$44.75

Daily Range

$44.30 - $44.50

52-Week Range

$35.76 - $50.00

Estimated Earnings Date

N/A

RCBC News

No articles available.

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About River City Bank

River City Bank, established in 1963 and headquartered in Sacramento, California, offers a wide range of financial services across the United States. The bank serves a diverse clientele, including businesses, individual consumers, and commercial real estate developers.

Products and Services

Checking, savings, and certificate of deposit accounts
Personal loans, home equity lines of credit, and commercial real estate financing
Cash management solutions and online banking platforms

Growth Outlook

Revenue increased to $75.9 million in Q1 2026, up from $52.1 million in Q1 2025
Net income rose to $17.9 million in Q1 2026, reflecting strong operational efficiency
Return on equity stands at 13.78%, indicating effective capital utilization

Financial Highlights

Trailing twelve months (TTM) revenue of $303.5 million, showcasing consistent growth
Net profit margin of 25.58% TTM, demonstrating strong profitability
Price-to-earnings (P/E) ratio of 8.47, suggesting potential undervaluation

AI Generated • Jun 21, 2026

Industry

Banks

Sector

Financials

CEO

Stephen A. Fleming, MBA

Website

rivercitybank.com

Headquarters

Sacramento, CA 95833, US

RCBC Financials

Key Financial Metrics (TTM)

Gross Margin

49.51%

Operating Margin

35.43%

Net Income Margin

25.58%

Return on Equity

13.78%

Return on Capital

16.54%

Return on Assets

1.22%

Earnings Yield

10.48%

Dividend Yield

0.40%

Payout Ratio

0.00%

Stock Overview

Market Cap

$649.02M

Shares Outstanding

14.50M

Volume

300

Avg. Volume

3.80K

Financials (TTM)

Gross Profit

$143.33M

Operating Income

$102.56M

EBITDA

$102.56M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$689.52M

Total Debt

$0.00

River City Bank Performance Analysis

River City Bank annual revenue and year-over-year revenue growth by fiscal year
Fiscal year	Period end	Revenue	YoY growth
2022	2022-12-31	USD 128,903,000	16.1%
2023	2023-12-31	USD 177,447,000	37.7%
2024	2024-12-31	USD 284,485,000	60.3%
2025	2025-12-31	USD 286,685,000	0.8%

River City Bank sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	8.8%
Q3	2025-09-30	28.2%
Q4	2025-12-31	16.0%
Q1	2026-03-31	-9.9%

River City Bank annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal year	Period end	Diluted EPS	YoY growth
2022	2022-12-31	USD 3.22	6.9%
2023	2023-12-31	USD 4.05	25.7%
2024	2024-12-31	USD 4.99	23.2%
2025	2025-12-31	USD 4.69	-6.0%

River City Bank sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-06-30	26.5%
Q3	2025-09-30	29.5%
Q4	2025-12-31	6.6%
Q1	2026-03-31	-14.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name

Q1 2026YOY CHG

Revenue

$75.91M

+45.8%

Gross Profit

$37.45M

+115.9%

Gross Margin

49.34%

N/A

Market Cap

$649.02M

N/A

Market Cap/Employee

$96.98K

N/A

Employees

6,692

N/A

Net Income

$17.95M

+45.8%

EBITDA

$24.82M

+43.1%

Quarterly Fundamentals

Name

Q1 2026YOY CHG

Total Cash

$689.52M

+146.9%

Total Debt

$0.00

N/A

Accounts Receivable

$25.11M

+0.8%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

1.22%

N/A

Return on Invested Capital

1.70%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About RCBC

What is the current price of River City Bank?

River City Bank is trading at $44.30 per share.

What is the 52-week range for River City Bank?

Over the past 52 weeks, River City Bank has traded between $35.76 and $50.00.

How much debt does River City Bank have?

As of the most recent reporting period, River City Bank reported total debt of $26.57M.

How much cash does River City Bank have on hand?

River City Bank does not have cash on hand data available.

What is River City Bank’s dividend yield?

River City Bank currently has a dividend yield of 0.40%.

River City Bank

River City Bank Financials at a Glance

RCBC News

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Our CEO Is Handing Members His Secret Weapon

About River City Bank

RCBC Financials

Key Financial Metrics (TTM)

Stock Overview

Financials (TTM)

River City Bank Performance Analysis

Revenue Growth Rate

Earnings Per Share Growth Rate

Quarterly Performance

Quarterly Fundamentals

Other Investments to Explore

People Also Watch

Trending Stocks

Questions About RCBC

What is the current price of River City Bank?

What is the 52-week range for River City Bank?

How much debt does River City Bank have?

How much cash does River City Bank have on hand?

What is River City Bank’s dividend yield?

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