River City Bank, together with its subsidiaries, provides various banking and financial services in the United States.
Flawless balance sheet with acceptable track record.
Share Price & News
How has River City Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: RCBC has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: RCBC exceeded the US Banks industry which returned 15.3% over the past year.
Return vs Market: RCBC underperformed the US Market which returned 24.7% over the past year.
Price Volatility Vs. Market
How volatile is River City Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is River City Bank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: RCBC ($200) is trading above our estimate of fair value ($161.9)
Significantly Below Fair Value: RCBC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: RCBC is good value based on its PE Ratio (12.1x) compared to the Banks industry average (12.8x).
PE vs Market: RCBC is good value based on its PE Ratio (12.1x) compared to the US market (18.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate RCBC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: RCBC is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (1.2x).
How is River City Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as River City Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine River City Bank's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access River City Bank's filings and announcements here.
- Explore growth companies in the Banks industry.
How has River City Bank performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: RCBC has high quality earnings.
Growing Profit Margin: RCBC's current net profit margins (40.3%) are higher than last year (26.1%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if RCBC's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare RCBC's past year earnings growth to its 5-year average.
Earnings vs Industry: RCBC earnings growth over the past year (49.9%) exceeded the Banks industry 27.1%.
Return on Equity
High ROE: RCBC's Return on Equity (11.5%) is considered low.
Return on Assets
Return on Capital Employed
How is River City Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: RCBC has a low level of unsold assets or inventory.
Debt Coverage by Assets: RCBC's debt is not covered by short term assets (assets are 0.3x debt).
Financial Institutions Analysis
Asset Level: RCBC's level of assets compared to its equity is moderate.
Allowance for Bad Loans: RCBC has a sufficient allowance for bad loans.
Low Risk Liabilities: RCBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: RCBC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: RCBC's loans are broadly funded by customer deposits.
Level of Bad Loans: RCBC has an appropriate level of bad loans (0.08%)
What is River City Bank's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate RCBC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate RCBC's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if RCBC's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if RCBC's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: RCBC is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of RCBC's dividend in 3 years as they are not forecast to pay a notable one for the US market.
What is the CEO of River City Bank's salary, the management and board of directors tenure and is there insider trading?
Average management tenure
Steve Fleming (61yo)
Mr. Stephen A. Fleming, also known as Steve, has been the Chief Executive Officer and President of River City Bank since September 2008. Mr. Fleming serves as the Chief Executive Officer and President of R ...
Management Age and Tenure
Experienced Management: RCBC's management team is seasoned and experienced (8 years average tenure).
Board Age and Tenure
Experienced Board: RCBC's board of directors are considered experienced (9 years average tenure).
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 10.2%.
Chris Nelson (64yo)
Executive VP & Consumer Banking Director
Steve Fleming (61yo)
- Tenure: 11.3yrs
Founder & Consultant
Executive VP & CFO
- Tenure: 15.6yrs
Executive VP & Chief Credit Officer
Senior VP & Business Development Officer
- Tenure: 1.6yrs
Commercial Banking Director
Executive VP & COO
- Tenure: 8yrs
Senior Vice President & Director of Human Resources
- Tenure: 2yrs
R. Lintecum (63yo)
- Tenure: 3.7yrs
- Tenure: 7.3yrs
Michael Newell (53yo)
- Tenure: 20yrs
Steve Fleming (61yo)
- Tenure: 11.3yrs
Shawn Devlin (57yo)
Chairman of the Board
- Tenure: 10.8yrs
Steve Pleau (72yo)
- Tenure: 19yrs
Fritz Durst (60yo)
- Tenure: 12yrs
- Tenure: 7.2yrs
- Tenure: 1.8yrs
- Tenure: 1yrs
River City Bank's company bio, employee growth, exchange listings and data sources
- Name: River City Bank
- Ticker: RCBC
- Exchange: OTCPK
- Founded: 1973
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$299.386m
- Shares outstanding: 1.46m
- Website: https://www.rivercitybank.com
- River City Bank
- 2485 Natomas Park Drive
- Suite 100
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|RCBC||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Dec 2010|
River City Bank, together with its subsidiaries, provides various banking and financial services in the United States. It offers checking, savings, term certificate, money market, and NOW accounts; interest-bearing and noninterest-bearing demand deposits; and time deposits. The company also provides residential mortgage, commercial real estate, consumer, commercial and industrial, construction and land development, agricultural, business, and personal loans, as well as home equity loans, and revolving and non-revolving lines of credit. In addition, it provides cash management services, such as remote/mobile deposit capture, e-statements, bill pay, positive pay, automated clearing house, wire transfer, courier, merchant, and debit card services; wealth management services; and online and mobile banking services. The company operates through 12 branch locations in Contra Costa, El Dorado, Placer, Sacramento, and Yolo counties, California. River City Bank was founded in 1973 is headquartered in Sacramento, California.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/01/18 00:45|
|End of Day Share Price||2020/01/17 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.