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Friday 6 November 2026
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River City Bank
RCBC Financial Banks Regional
River City Bank’s revenue for fiscal 2025 (year ended December 2025) was $282.0 million, down 4.00% from fiscal 2024.
58.36
2.02
−3.35%
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Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | — | 294 | 282 | — | (4.0%) | 165 | 165 | 177 | (14.5%) | |
| Gross margin, % | — | — | — | — | — | — | — | — | 51.50 | 50.20 | — | (1.3) pt | ||||||
| EBT | — | — | — | — | — | — | — | — | 104 | 95 | — | (8.3%) | ||||||
| EBT margin, % | — | — | — | — | — | — | — | — | 35.29 | 33.72 | — | (1.6) pt | ||||||
| Net income | — | — | — | — | — | — | — | — | 73 | 68 | — | (6.8%) | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | — | 19.97 | 19.33 | 0.00 | (3.2%) | |||||
| Earnings | — | — | — | — | — | — | — | — | 4.99 | 4.69 | — | (6.0%) | ||||||
| Cash flow | — | — | — | — | — | — | — | — | 4.21 | 5.24 | 0.00 | +24.6% | ||||||
| Capex | — | — | — | — | — | — | — | — | (0.05) | (0.07) | 0.00 | +52.4% | ||||||
| Free cash flow | — | — | — | — | — | — | — | — | 4.16 | 5.17 | 0.00 | +24.3% | ||||||
| Book value | — | — | — | — | — | — | — | — | 32.95 | 37.61 | 39.60 | +14.1% | ||||||
| Shares, m | — | — | — | — | — | — | — | — | 15 | 15 | — | (0.9%) | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | — | — | — | — | — | |||||
| P/S | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.0 | ||||||
| P/B | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 1.53 | 0.0 | ||||||
| EV/Sales | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.0 | ||||||
| EV/FCF | — | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.0 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | — | 62 | 76 | — | +23.5% | |||||
| Capex | — | — | — | — | — | — | — | — | (1) | (1) | — | +51.0% | ||||||
| Free cash flow | — | — | — | — | — | — | — | — | 61 | 75 | — | +23.2% | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | (221) | (177) | (501) | (20.1%) | |||||
| Net debt | — | — | — | — | — | — | — | — | (149) | (477) | (353) | +221.2% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | 485 | 548 | 568 | +13.2% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | — | 0.00 | 1.25 | — | +1.3 pt | |||||
| ROIC | — | — | — | — | — | — | — | — | 19.28 | 83.68 | 0.00 | +64.4 pt | ||||||
| ROE | — | — | — | — | — | — | — | — | 0.00 | 13.24 | — | +13.2 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | — | 164 | — | — | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | — | 0.00 | 1.72 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 2 Nov 2026
River City Bank vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| MPB Mid Penn Bancorp | $869.3M | 11.8× | 11.2× | +13.23% (above 0%: growing) | +6.25% (above 0%: growing) | −3.90% (below 0%: shrinking) | 69.39% | 0.00% | Compare |
| GSBC Great Southern Bancorp, Inc. | $868.0M | 13.3× | 13.9× | −10.48% (below 0%: shrinking) | −16.18% (below 0%: shrinking) | −93.70% (below 0%: shrinking) | 71.23% | 0.00% | Compare |
| CCBG Capital City Bank Group | $861.6M | 13.8× | 13.4× | −2.57% (below 0%: shrinking) | +6.45% (above 0%: growing) | +47.12% (above 0%: growing) | 89.60% | 0.00% | Compare |
| FCBC First Community Bancshares, Inc. | $858.8M | 14.3× | 14.0× | +35.47% (above 0%: growing) | +77.61% (above 0%: growing) | +82.80% (above 0%: growing) | 92.36% | 0.00% | Compare |
| ALRS Alerus Financial | $837.6M | 28.4× | 10.5× | +4.46% (above 0%: growing) | +16.67% (above 0%: growing) | +136.92% (above 0%: growing) | 77.55% | 0.00% | Compare |
| RCBC River City Bank | $828.4M | — | — | — | — | — | 51.62% | 0.00% | |
| SMBK SmartFinancial, Inc. | $819.7M | 14.1× | 12.6× | +9.67% (above 0%: growing) | +38.57% (above 0%: growing) | +68.13% (above 0%: growing) | 65.11% | 0.00% | Compare |
| PGC Peapack-Gladstone Financial Corporation | $811.6M | 15.6× | 12.2× | +10.12% (above 0%: growing) | +97.78% (above 0%: growing) | +388.43% (above 0%: growing) | 70.34% | 0.00% | Compare |
| SPFI South Plains Financial, Inc. | $807.8M | 10.9× | 11.3× | +19.20% (above 0%: growing) | +10.19% (above 0%: growing) | +36.07% (above 0%: growing) | 72.35% | 0.00% | Compare |
| Median of peers | $848.2M | 14.0× | 12.4× | +9.90% | +13.43% | +57.63% | 71.79% | 0.00% |