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← CockpitCompetitor Analysis › RCBC River City BankOpen in the cockpit ↗

River City BankRCBCCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Mkt cap
$832M
US dollars, full cap
Free float
53%
of shares outstanding
$/day
$5.47M
20-day average traded
P/B
1.38×
price to book
ROE
15.9%
delivered
Implied ROE
7.6%
what the price asks
Next earnings
83 days
28 Jan 2027
Close · USD$58.57
1D+0.4%
1W+1.0%
1M+7.1%
3M+24.4%
6Mn/a
YTDn/a
1Yn/a
ATR %2.9%
52w lowhigh4.7% off high

What River City Bank does

No business profile yet.

River City Bank at a glance

Size River City Bank (RCBC) is a United States Financials company (Regional Banks) with a market value of $832M, the 2370th largest of 3,117 United States companies the cockpit tracks. Shares closed at $58.57 on 6 Nov 2026.

Growth Revenue grew 0.8% over the last twelve months (peer median +9.2%); the operating margin is 83.6% (peer median 36.7%).

Valuation It trades at 1.38× book value against a peer median of 1.11× (8th most expensive of 21).

Price implies The share price implies a return on equity of about 7.6%; River City Bank delivers 15.9%, so the price asks less than the business earns today.

Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).

River City Bank financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$297M$287M$284M$177M$129M
Revenue growth—+1%+60%+38%—
Net income$89.2M$68.4M$73.4M$60.3M$47.8M
Free cash flown/a$75.5M$61.2M$69.9M$62.8M
Capital expendituren/a$1.01M$671,000$296,000$1.15M
Total debt$0$26.6M$51.7M$51.6M$102M

Quarterly statements and history in the cockpit →

River City Bank competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Fundamentals: return on equity against price-to-book

0%10%20%30%0.50×10×1.50×TKBPS41SMBKPGC83458387FCBCCCBGORRFIBCPSPFI7350MPBCBG1983FISIRCBCReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. River City Bank is the large dot.

Capital: ROE delivered against the ROE the price implies

0%10%0%10%S41SMBKPGC83458387FCBCCCBGORRFSPFI7350GSBCCBG1983RINGRCBCROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. River City Bank is the large dot.

River City Bank competitors and peer comparison

How River City Bank compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

River City Bank against its 20 peers (data as of 6 Nov 2026)
MeasureRCBCPeer medianRank in peer set
1-month return+7.1%-0.7%2nd highest of 21
Return on equity15.9%10.2%2nd highest of 20
Price / book1.38×1.11×8th most expensive of 21
Trailing P/E9.4×11.6×4th cheapest of 19
ROE the price implies7.6%8.4%9th least demanding of 19
ROE delivered15.9%10.2%2nd highest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
River City Bank RCBCUnited States$832Mn/a+1%16%1.38×7.6%15.9%
Thurgauer Kantonalbank TKBP.SWSwitzerland$838M-6%-11%6%0.23×n/a5.6%
Hong Leong Finance S41.SISingapore$846M-5%-27%3%0.51×2.5%3.1%
SmartFinancial SMBKUnited States$816M+13%+10%11%1.40×10.8%11.1%
Peapack-Gladstone Financial PGCUnited States$814M+7%+11%9%1.10×9.1%8.9%
Bank of Iwate 8345.TJapan$857M-6%+24%5%0.64×5.7%5.2%
Shikoku Bank 8387.TJapan$857M+26%+36%10%0.68×5.4%9.6%
First Community Bankshares FCBCUnited States$860M+4%+9%12%1.58×9.9%11.8%
Capital City Bank CCBGUnited States$861M+7%0%11%1.50×8.4%11.3%
Orrstown Financial Services ORRFUnited States$862M+18%+1%15%1.42×10.5%14.8%
Independent Bank IBCPUnited States$802M+5%+3%14%1.39×10.6%13.5%
South Plains Financial SPFIUnited States$800M+4%+10%13%1.28×8.4%12.6%
Okinawa Financial 7350.TJapan$865M+14%+21%8%0.83×6.3%7.7%
Great Southern Bancorp GSBCUnited States$868M+16%-10%10%1.42×9.3%10.2%
Mid Penn Bancorp MPBUnited States$873M+5%+18%8%0.97×7.2%8.4%
Close Brothers CBG.LUnited Kingdom$791M-10%-12%-6%0.40×8.8%-5.9%
Luzhou Bank 1983.HKHong Kong$790M-5%+6%14%0.45×4.0%14.0%
AGI AGBKUnited States$777M-31%n/an/a0.84×11.3%n/a
Financial Institutions FISIUnited States$776M+12%+42%30%1.29×n/a30.0%
NB Bancorp NBBKUnited States$902M+10%+36%8%1.13×6.8%8.4%
SpareBank 1 Ringerike Hadeland RING.OLNorway$752M+2%-4%13%1.40×6.9%13.0%

Questions

Which companies are River City Bank's closest peers?
The cockpit's peer set: Thurgauer Kantonalbank (TKBP.SW), Hong Leong Finance (S41.SI), SmartFinancial (SMBK), Peapack-Gladstone Financial (PGC), Bank of Iwate (8345.T), Shikoku Bank (8387.T), First Community Bankshares (FCBC), Capital City Bank (CCBG).
Is River City Bank expensive compared with its peers?
On price / book it trades at 1.38× against a peer median of 1.11×, 8th most expensive of 21 in its peer set. The share price implies a return on equity of about 7.6%; River City Bank delivers 15.9%, so the price asks less than the business earns today.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.