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River City Bank

RCBC

NASDAQFinancial ServicesBanks - Regional

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Previous close

$49.04

+$0.265 · +0.54%

Aug 21, 4:00 PM ET

RCBC company overview

Regular session · ET · Market data may be delayed.

Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Stephen A. Fleming
Listed since
Jan 30, 2008
Employees
6,692

Market position

Day range

Current $49.04

52-week range

Current $49.04

Open
$48.78
Previous close
$48.775
Volume
12.89K
0.95× average
Average volume
13.53K
Average daily volume
Market cap
706.36M USD
Beta
0.16
Market reference 1
50-day average
$45.3966
+8.03% above average
200-day average
$42.8354
+14.48% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
189.05M USD
P/E (TTM)
9.05×
P/B (TTM)
1.24×
P/S (TTM)
2.27×
EV / EBITDA
1.99×
Earnings yield
10.69%
Free cash flow yield
11.79%
Dividend yield
0.39%

Profitability & efficiency

Gross margin
51.61%
Operating margin
34.68%
Net margin
25.13%
Return on equity
12.47%
Return on assets
1.18%
Return on invested capital
1.18%

Financial health

Debt / equity
0×
Current ratio
19.59×
Altman Z-score
0.26
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%77%47%17%Gross margin, FY2021: 89.13%Gross margin, FY2022: 100.00%Gross margin, FY2023: 100.00%Gross margin, FY2024: 100.00%Gross margin, FY2025: 49.50%Operating margin, FY2021: 54.30%Operating margin, FY2022: 67.02%Operating margin, FY2023: 70.37%Operating margin, FY2024: 72.11%Operating margin, FY2025: 33.72%Net margin, FY2021: 38.37%Net margin, FY2022: 47.75%Net margin, FY2023: 49.80%Net margin, FY2024: 51.06%Net margin, FY2025: 24.26%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 89.13%. Gross margin FY2022 100.00%. Gross margin FY2023 100.00%. Gross margin FY2024 100.00%. Gross margin FY2025 49.50%. Operating margin FY2021 54.30%. Operating margin FY2022 67.02%. Operating margin FY2023 70.37%. Operating margin FY2024 72.11%. Operating margin FY2025 33.72%. Net margin FY2021 38.37%. Net margin FY2022 47.75%. Net margin FY2023 49.80%. Net margin FY2024 51.06%. Net margin FY2025 24.26%.

Income trends

Revenue

281.98M USD+96.17%

Operating income

95.09M USD-8.26%

Net income

68.42M USD-6.79%
Income trends across reported periods305.73M USD210.73M USD115.73M USD20.72M USDRevenue, FY2021: 115.9M USDRevenue, FY2022: 100.15M USDRevenue, FY2023: 121.15M USDRevenue, FY2024: 143.75M USDRevenue, FY2025: 281.98M USDOperating income, FY2021: 62.94M USDOperating income, FY2022: 67.12M USDOperating income, FY2023: 85.26M USDOperating income, FY2024: 103.66M USDOperating income, FY2025: 95.09M USDNet income, FY2021: 44.48M USDNet income, FY2022: 47.82M USDNet income, FY2023: 60.34M USDNet income, FY2024: 73.4M USDNet income, FY2025: 68.42M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 115.9M USD. Revenue FY2022 100.15M USD. Revenue FY2023 121.15M USD. Revenue FY2024 143.75M USD. Revenue FY2025 281.98M USD. Operating income FY2021 62.94M USD. Operating income FY2022 67.12M USD. Operating income FY2023 85.26M USD. Operating income FY2024 103.66M USD. Operating income FY2025 95.09M USD. Net income FY2021 44.48M USD. Net income FY2022 47.82M USD. Net income FY2023 60.34M USD. Net income FY2024 73.4M USD. Net income FY2025 68.42M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue281.98M USD143.75M USD121.15M USD100.15M USD115.9M USD
Cost of goods sold142.41M USD———12.6M USD
Gross profit139.57M USD143.75M USD121.15M USD100.15M USD103.3M USD
Selling, general, and administrative30.62M USD31.99M USD28.25M USD27.38M USD24.56M USD
Operating expenses44.48M USD31.99M USD28.25M USD27.38M USD40.37M USD
Interest income284.25M USD279.14M USD213.97M USD120.44M USD102.82M USD
Interest expense140.43M USD142.45M USD93.1M USD18.72M USD12.6M USD
Depreciation and amortization—−7.68M USD763K USD4.48M USD6.6M USD
Operating income95.09M USD103.66M USD85.26M USD67.12M USD62.94M USD
Net income68.42M USD73.4M USD60.34M USD47.82M USD44.48M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
4.69
FY2025 · -6.01% year over year
Latest fiscal-year revenue
281.98M USD
FY2025 · +96.17% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend5.194.43.612.82FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend300.17M227.43M154.7M81.97MFY21FY22FY23FY24FY25

RCBC news

businesswire.com

River City Bank Announces Closing of Initial Public Offering

SACRAMENTO, Calif.--(BUSINESS WIRE)---- $RCBC #rivercitybank--River City Bank (NASDAQ: RCBC) (the “Bank”) today announced the successful completion of its initial public offering (IPO) of 2,700,000 shares of its common…

Read source
businesswire.com

River City Bank Announces Pricing of Initial Public Offering

SACRAMENTO, Calif.--(BUSINESS WIRE)---- $RCBC #rivercitybank--River City Bank (the “Bank”) today announced the pricing of its initial public offering (IPO) of 2,700,000 shares of its common stock at a public offering…

Read source
businesswire.com

River City Bank Reports Net Income of $19.6 Million for the Second Quarter of 2026 and a Quarterly Cash Dividend

SACRAMENTO, Calif.--(BUSINESS WIRE)---- $RCBC #earnings--River City Bank ("the Bank") reported net income of $19.6 million or $1.37 per share for the quarter ended June 30, 2026, which compares to $15.4 million, or $1.05…

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.16

2025 complete year+27.0% since 2021

2026 partial: $0.15

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 3, 2026

$0.05

Quarterly

Record Aug 3, 2026 · Payment Aug 17, 2026

Dividend

Ex-dividend May 5, 2026

$0.05

Quarterly

Record May 5, 2026 · Payment May 19, 2026

Dividend

Ex-dividend Feb 10, 2026

$0.05

Quarterly

Record Feb 10, 2026 · Payment Feb 24, 2026

Dividend

Ex-dividend Nov 4, 2025

$0.40

Quarterly

Record Nov 4, 2025 · Payment Nov 18, 2025

Dividend

Ex-dividend Jul 29, 2025

$0.40

Quarterly

Record Jul 29, 2025 · Payment Aug 12, 2025

Dividend

Ex-dividend May 6, 2025

$0.40

Quarterly

Record May 6, 2025 · Payment May 20, 2025

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