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River City Bank (RCBC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of River City Bank stock $42.53, price $58.57, that is 27.4% below the price, quality 58 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

RC River City Bank logo Broad data Nov 9, 2026

River City Bank

RCBC · US
Solid, but expensive

Our calculation puts a fair price 27% below what the stock costs today.

Healthy Growth (revenue 5y +30.9 %/yr in USD)
Highly profitable · 50.5% net margin (TTM)
0.3% dividend yield · Low payout
Broad data
Last quarter vs. a year ago: revenue +20%, profit +30%.
Quality 58/100
Mixed vs. peers (8/14)
Wide moat 68/100 · thin data
Fair value $42.53 · Overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$60.38 $1.97 Fair Value $42.53 Nov 2008 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range $1.97 – $60.38 · fair‑value band $35.70 – $62.84 · the $58.57 price screens above the $42.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

River City Bank, together with its subsidiaries, provides various banking products and services. The company offers checking, savings, and term certificate accounts.

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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.

Stock analysis

River City Bank (RCBC) currently trades at $58.57, while our model-based Fair Value estimate is $42.53, 27% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $58.34 per share, and 1 of the 6 models we run sit above the $58.57 price.

Bear case: the Asset-Based group reads lowest at $25.43, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $35.70 (bear) to $62.84 (bull), the price of $58.57 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

River City Bank reported revenue of $282M in FY2025 versus $116M in FY2021, a compound +24.9%/yr. Reported net income was $68.4M in FY2025, compounding +11.4%/yr from FY2021.

Key figures

Market cap $840M Small · P/E ratio 12.5 · P/S ratio 5.42 · EPS (TTM) $4.69 · Dividend yield 0.3% · Net margin 50.5% · Return on equity 13.2% · Return on assets (EBIT) 1.8% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −27%, RCBC screens cheaper than that median.

Fair Value models

Bear $35.70 Fair Value $42.53 Bull $62.84
Price $58.57 · Downside -27.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.86 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $35.70 $42.53 $62.84 75
Gordon GGM $1.43 $2.77 $4.09 67
DDM Multi-Stage $1.43 $2.43 $2.94 67
All 6 models by family
Dividend Discount
Gordon GGM $1.43 $2.77 $4.09 67
DDM Multi-Stage $1.43 $2.43 $2.94 67
Multiples
P/E Multiple $47.66 $63.55 $79.44 63
P/B Multiple $39.85 $53.13 $66.42 55
Asset-Based
NCAV (Graham) $18.98 $25.43 $37.95 54
Economic Profit
Residual Income $35.70 $42.53 $62.84 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 58/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 83
Do the profits arrive as real cash?
Financial strength 27
Debt, balance sheet and risk of trouble
Investment 52
Does it invest with discipline instead of growing at any price?
Low Volatility 95
How calm the share price moves, does not count
Price momentum 88
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 96
Distance to the 52-week high, does not count
New shares 96
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+96.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+41.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.9%
Start year 2020 (pandemic). Over 10 years: +20.2% a year
Revenue growth 24 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.1%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+17.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.8%
Dividend (yield on the price)0.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16.8% vs 18.9%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.67% → 34%
Pace: the 5-year rate starts in 2020 (pandemic)

RCBC screens overvalued: fair value 27% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside −27.4% · Below median
Profitability
Return on equity (12 months) 13.2% · Above median
Return on assets 1.2% · Above median
Net margin (12 months) 50.5% · Top 25%
Operating margin (12 months) 71.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 19.8% · Top 25%
Dividend yield (12 months) 0.3% · Bottom 25%
Balance sheet
Debt / equity 0.27× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.5× · Pricier than median
P/B 1.53× · Priciest 25%
P/S (12 months) 5.42× · Priciest 25%
Price / free cash flow (fiscal year) 11.1× · Pricier than median
EV/EBITDA 5.4× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)99 · sector 47
PAST (return on equity)53 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)6 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs RCBC
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs RCBC
BNP Paribas SA BNP €91.93 €106.01 +15% vs RCBC
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs RCBC
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs RCBC
UniCredit S.p.A UCG €76.80 €50.44 −34% vs RCBC
Mizuho Financial Group MFG $9.40 $5.89 −37% vs RCBC
DBS Group D05 69.72 SGD 40.39 SGD −42% vs RCBC
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs RCBC
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs RCBC

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River City Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "River City Bank Fair Value". https://www.fairvalue-calculator.com/stock/RCBC

Frequently asked questions

Is River City Bank (RCBC) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $42.53 versus a price of $58.57, about 27% lower (overvalued).
What is the fair value of RCBC?
Our model-based fair value for River City Bank is $42.53 (as of Nov 9, 2026), built from audited fundamentals. The current price: $58.57.
What is the quality score of RCBC?
River City Bank has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for River City Bank (RCBC)?
Our model-based price target is the fair value of $42.53 (as of Nov 9, 2026) from 6 valuation models. Cautious scenario $35.70, optimistic scenario $62.84. It is a calculation from audited fundamentals, not an analyst target.
What is the River City Bank stock forecast for 2026?
Our models put fair value at $42.53, about 27% lower versus a price of $58.57 (overvalued). Cautious scenario $35.70, optimistic scenario $62.84. The calculation is refreshed regularly with new filings.
What is the revenue of River City Bank (RCBC)?
River City Bank reported trailing-twelve-month revenue of about $155M (latest available figure, as of Nov 9, 2026).
Does River City Bank pay a dividend?
River City Bank currently shows a dividend yield of 0.32% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of River City Bank (RCBC) and when is the ex-dividend date?
River City Bank pays a dividend of $0.19 per share a year, a dividend yield of 0.3%. The last ex-dividend date was Jul 31, 2026. A dividend has been paid every year since at least 2006. The payout ratio is 4.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of River City Bank (RCBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For River City Bank it is $42.53 per share (as of Nov 9, 2026), against a price of $58.57. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is River City Bank stock overvalued or undervalued in 2026?
As of Nov 9, 2026, RCBC trades above its calculated fair value: price $58.57, fair value $42.53, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RCBC?
No. The price is what the market pays today ($58.57); the fair value is what the company's own numbers justify ($42.53). For River City Bank the two are $16.04 per share apart. That gap is exactly why we show both numbers side by side.
How much is River City Bank worth?
The market values River City Bank at about $840M (market capitalisation, as of Nov 9, 2026). Per share that is $58.57; our models calculate a fair value of $42.53 per share.
What do the bullish and bearish scenarios say about RCBC?
Our models span a range for River City Bank: cautious scenario $35.70, base $42.53, optimistic $62.84 per share (as of Nov 9, 2026, price $58.57). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RCBC?
River City Bank trades at a price-to-earnings ratio of 12.5 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $42.53 is built from several models across several years. Other multiples: P/B 1.5, P/S 5.4, EV/EBITDA 5.4.
How solid is the balance sheet of River City Bank (RCBC)?
Balance-sheet figures for River City Bank (as of Nov 9, 2026): return on equity 13.2%, debt of 0.27 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is RCBC from its 52-week high?
River City Bank trades at $58.57, about 3% below its 52-week high of $60.38 and 51% above the low of $38.83 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $42.53 is for.
Which stocks are comparable to River City Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is River City Bank stock attractive at the current price?
The data as of Nov 9, 2026: price $58.57, calculated fair value $42.53 (−27%), Quality Score 58/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RCBC calculated?
We run River City Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $42.53 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. River City Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of River City Bank (RCBC)?
The closing price on Nov 6, 2026 was $58.57. Our model-based fair value is $42.53, about 27% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with River City Bank right now?
Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of River City Bank (RCBC) come from?
Earnings per share at River City Bank grew +20.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +16.1 %, EBIT margin −0.9 %, tax rate +2.0 %, residual (interest, one-offs) +2.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of River City Bank

How large is the market capitalisation of River City Bank (RCBC)?
The market capitalisation of River City Bank is $840M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of River City Bank (RCBC)?
The price-to-sales ratio of River City Bank is 5.42 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of River City Bank (RCBC)?
Earnings per share at River City Bank are $4.69 (price ÷ EPS = P/E 12.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of River City Bank (RCBC)?
The dividend yield of River City Bank is 0.3% (payout 4.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of River City Bank (RCBC)?
The net margin of River City Bank is 50.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of River City Bank (RCBC)?
The return on equity (ROE) of River City Bank is 13.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of River City Bank (RCBC)?
On an EBIT basis the return on assets of River City Bank is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of River City Bank (RCBC)?
The operating margin of River City Bank is 71.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at River City Bank (RCBC)?
Revenue at River City Bank is growing +19.8% versus a year earlier (3y avg +41.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at River City Bank (RCBC)?
Earnings per share at River City Bank are growing +30.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does River City Bank (RCBC) generate?
The free cash flow of River City Bank is $75.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does River City Bank (RCBC) hold?
River City Bank holds more cash than debt, $451M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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