River City Bank Statistics
Total Valuation
River City Bank has a market cap or net worth of $793.51 million. The enterprise value is $158.36 million.
| Market Cap | 793.51M |
| Enterprise Value | 158.36M |
Important Dates
The last earnings date was Friday, October 23, 2026, after market close.
| Earnings Date | Oct 23, 2026 |
| Ex-Dividend Date | Nov 3, 2026 |
Share Statistics
River City Bank has 13.99 million shares outstanding. The number of shares has decreased by -4.26% in one year.
| Current Share Class | 13.99M |
| Shares Outstanding | 13.99M |
| Shares Change (YoY) | -4.26% |
| Shares Change (QoQ) | -2.42% |
| Owned by Insiders (%) | 33.08% |
| Owned by Institutions (%) | 7.16% |
| Float | 7.19M |
Valuation Ratios
The trailing PE ratio is 8.90 and the forward PE ratio is 10.96.
| PE Ratio | 8.90 |
| Forward PE | 10.96 |
| PS Ratio | 4.66 |
| Forward PS | 5.10 |
| PB Ratio | 1.34 |
| P/TBV Ratio | 1.34 |
| P/FCF Ratio | 10.44 |
| P/OCF Ratio | 10.27 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 1.78 |
| EV / Sales | 0.93 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 2.08 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 15.95%.
| Return on Equity (ROE) | 15.95% |
| Return on Assets (ROA) | 1.50% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.32% |
| Revenue Per Employee | $1.13M |
| Profits Per Employee | $594,567 |
| Employee Count | 150 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, River City Bank has paid $34.07 million in taxes.
| Income Tax | 34.07M |
| Effective Tax Rate | 27.64% |
Stock Price Statistics
The stock price has increased by +41.27% in the last 52 weeks. The beta is 0.20, so River City Bank's price volatility has been lower than the market average.
| Beta (5Y) | 0.20 |
| 52-Week Price Change | +41.27% |
| 50-Day Moving Average | 52.37 |
| 200-Day Moving Average | 45.32 |
| Relative Strength Index (RSI) | 66.95 |
| Average Volume (20 Days) | 104,164 |
Short Selling Information
The latest short interest is 150,874, so 1.08% of the outstanding shares have been sold short.
| Short Interest | 150,874 |
| Short Previous Month | 2,874 |
| Short % of Shares Out | 1.08% |
| Short % of Float | 2.10% |
| Short Ratio (days to cover) | 1.50 |
Income Statement
In the last 12 months, River City Bank had revenue of $170.23 million and earned $89.19 million in profits. Earnings per share was $6.37.
| Revenue | 170.23M |
| Gross Profit | 170.23M |
| Operating Income | 125.97M |
| Pretax Income | 123.25M |
| Net Income | 89.19M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $6.37 |
Balance Sheet
The company has $635.15 million in cash and no debt, with a net cash position of $635.15 million or $45.38 per share.
| Cash & Cash Equivalents | 635.15M |
| Total Debt | n/a |
| Net Cash | 635.15M |
| Net Cash Per Share | $45.38 |
| Equity (Book Value) | 590.87M |
| Book Value Per Share | 42.22 |
| Working Capital | -5.11B |
Cash Flow
In the last 12 months, operating cash flow was $77.29 million and capital expenditures -$1.29 million, giving a free cash flow of $76.00 million.
| Operating Cash Flow | 77.29M |
| Capital Expenditures | -1.29M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -200.00M |
| Free Cash Flow | 76.00M |
| FCF Per Share | $5.43 |
Margins
| Gross Margin | n/a |
| Operating Margin | 74.00% |
| Pretax Margin | 72.40% |
| Profit Margin | 52.39% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 49.06% |
Dividends & Yields
This stock pays an annual dividend of $0.20, which amounts to a dividend yield of 0.35%.
| Dividend Per Share | $0.20 |
| Dividend Yield | 0.35% |
| Dividend Growth (YoY) | 25.00% |
| Years of Dividend Growth | 4 |
| Payout Ratio | 3.14% |
| FCF Payout Ratio | 3.68% |
| Buyback Yield | 4.26% |
| Shareholder Yield | 4.62% |
| Earnings Yield | 11.24% |
| FCF Yield | 9.58% |
Analyst Forecast
The average price target for River City Bank is $58.50, which is 3.18% higher than the current price. The consensus rating is "Hold".
| Price Target | $58.50 |
| Price Target Difference | 3.18% |
| Analyst Consensus | Hold |
| Analyst Count | 4 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on December 16, 2025. It was a forward split with a ratio of 10:1.
| Last Split Date | Dec 16, 2025 |
| Split Type | Forward |
| Split Ratio | 10:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 3 |