River City Bank Statistics
Total Valuation
River City Bank has a market cap or net worth of $697.08 million. The enterprise value is $259.44 million.
| Market Cap | 697.08M |
| Enterprise Value | 259.44M |
Important Dates
The next estimated earnings date is Thursday, October 22, 2026.
| Earnings Date | Oct 22, 2026 |
| Ex-Dividend Date | Aug 3, 2026 |
Share Statistics
River City Bank has 13.99 million shares outstanding. The number of shares has decreased by -1.64% in one year.
| Current Share Class | 13.99M |
| Shares Outstanding | 13.99M |
| Shares Change (YoY) | -1.64% |
| Shares Change (QoQ) | -1.21% |
| Owned by Insiders (%) | 33.06% |
| Owned by Institutions (%) | 1.98% |
| Float | 7.19M |
Valuation Ratios
The trailing PE ratio is 9.21.
| PE Ratio | 9.21 |
| Forward PE | n/a |
| PS Ratio | 4.50 |
| Forward PS | n/a |
| PB Ratio | 1.23 |
| P/TBV Ratio | 1.23 |
| P/FCF Ratio | 9.17 |
| P/OCF Ratio | 9.02 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 3.32 |
| EV / Sales | 1.67 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 3.41 |
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) | n/a |
| Return on Assets (ROA) | n/a |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.14% |
| Revenue Per Employee | $1.03M |
| Profits Per Employee | $521,733 |
| Employee Count | 150 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, River City Bank has paid $29.73 million in taxes.
| Income Tax | 29.73M |
| Effective Tax Rate | 27.53% |
Stock Price Statistics
The stock price has increased by +35.69% in the last 52 weeks. The beta is 0.16, so River City Bank's price volatility has been lower than the market average.
| Beta (5Y) | 0.16 |
| 52-Week Price Change | +35.69% |
| 50-Day Moving Average | 45.53 |
| 200-Day Moving Average | 42.34 |
| Relative Strength Index (RSI) | 71.01 |
| Average Volume (20 Days) | 51,453 |
Short Selling Information
The latest short interest is 5,162, so 0.04% of the outstanding shares have been sold short.
| Short Interest | 5,162 |
| Short Previous Month | n/a |
| Short % of Shares Out | 0.04% |
| Short % of Float | 0.07% |
| Short Ratio (days to cover) | 0.14 |
Income Statement
In the last 12 months, River City Bank had revenue of $154.93 million and earned $78.26 million in profits. Earnings per share was $5.41.
| Revenue | 154.93M |
| Gross Profit | 154.93M |
| Operating Income | 110.59M |
| Pretax Income | 107.99M |
| Net Income | 78.26M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $5.41 |
Balance Sheet
The company has $437.65 million in cash and no debt, with a net cash position of $437.65 million or $31.27 per share.
| Cash & Cash Equivalents | 437.65M |
| Total Debt | n/a |
| Net Cash | 437.65M |
| Net Cash Per Share | $31.27 |
| Equity (Book Value) | 567.88M |
| Book Value Per Share | 40.58 |
| Working Capital | -5.00B |
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 | 71.38% |
| Pretax Margin | 69.70% |
| Profit Margin | 50.51% |
| 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 0.40%.
| Dividend Per Share | $0.20 |
| Dividend Yield | 0.40% |
| Dividend Growth (YoY) | 21.02% |
| Years of Dividend Growth | 4 |
| Payout Ratio | 3.51% |
| Buyback Yield | 1.64% |
| Shareholder Yield | 2.04% |
| Earnings Yield | 11.23% |
| FCF Yield | 10.90% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| 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 | 2 |