River City Bank (RCBC)
Market Price (8/12/2026): $47.08 | Market Cap: $451.7 MilSector: Financials | Industry: Regional Banks
River City Bank (RCBC)
Market Price (8/12/2026): $47.08Market Cap: $451.7 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -40% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -4.8%, Dist 3Y High is -4.8% | Expensive valuation multiplesP/SPrice/Sales ratio is 143x Stock price has recently run up significantly12M Rtn12 month market price return is 1206% Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -74%, Rev Chg QQuarterly Revenue Change % is -76% Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 354% Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -4.5% High stock price volatilityVol 12M is 900% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -40% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -4.8%, Dist 3Y High is -4.8% |
| Expensive valuation multiplesP/SPrice/Sales ratio is 143x |
| Stock price has recently run up significantly12M Rtn12 month market price return is 1206% |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -74%, Rev Chg QQuarterly Revenue Change % is -76% |
| Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 354% |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -4.5% |
| High stock price volatilityVol 12M is 900% |
Qualitative Assessment
AI Analysis | Feedback
Updated on 8/1/2026
River City Bank (RCBC) stock has gained about 15% since 4/30/2026 because of the following key factors:
1. Exceptional Fiscal Q2 2026 Financial Results: River City Bank reported robust financial performance for fiscal Q2 2026, which ended on June 30, 2026. The bank's net income significantly increased by 27.3% year-over-year, reaching $19.6 million or $1.37 per share, compared to $15.4 million or $1.05 per share in the same period of 2025. This strong earnings growth was further underscored by a 14% rise in book value per share to $40.58 as of June 30, 2026, bolstering investor confidence.
2. Increased Market Visibility and Liquidity Ahead of IPO: The anticipation and eventual pricing of River City Bank's initial public offering (IPO) at $45.00 per share on August 5, 2026, and its subsequent listing on the Nasdaq Capital Market under the symbol "RCBC" on August 6, 2026, significantly heightened market interest and improved the stock's perceived liquidity. This strategic move, even though it was a secondary offering that did not raise new capital for the bank, expanded its investor base and visibility, contributing to the upward price movement in the period leading up to the listing.
Show more
River City Bank (RCBC) stock has gained about 15% since 4/30/2026 because of the following key factors:
1. Exceptional Fiscal Q2 2026 Financial Results: River City Bank reported robust financial performance for fiscal Q2 2026, which ended on June 30, 2026. The bank's net income significantly increased by 27.3% year-over-year, reaching $19.6 million or $1.37 per share, compared to $15.4 million or $1.05 per share in the same period of 2025. This strong earnings growth was further underscored by a 14% rise in book value per share to $40.58 as of June 30, 2026, bolstering investor confidence.
2. Increased Market Visibility and Liquidity Ahead of IPO: The anticipation and eventual pricing of River City Bank's initial public offering (IPO) at $45.00 per share on August 5, 2026, and its subsequent listing on the Nasdaq Capital Market under the symbol "RCBC" on August 6, 2026, significantly heightened market interest and improved the stock's perceived liquidity. This strategic move, even though it was a secondary offering that did not raise new capital for the bank, expanded its investor base and visibility, contributing to the upward price movement in the period leading up to the listing.
Show more
Updated on 8/1/2026
River City Bank (RCBC) stock has gained about 15% since 4/30/2026 because of the following key factors:
1. Exceptional Fiscal Q2 2026 Financial Results: River City Bank reported robust financial performance for fiscal Q2 2026, which ended on June 30, 2026. The bank's net income significantly increased by 27.3% year-over-year, reaching $19.6 million or $1.37 per share, compared to $15.4 million or $1.05 per share in the same period of 2025. This strong earnings growth was further underscored by a 14% rise in book value per share to $40.58 as of June 30, 2026, bolstering investor confidence.
2. Increased Market Visibility and Liquidity Ahead of IPO: The anticipation and eventual pricing of River City Bank's initial public offering (IPO) at $45.00 per share on August 5, 2026, and its subsequent listing on the Nasdaq Capital Market under the symbol "RCBC" on August 6, 2026, significantly heightened market interest and improved the stock's perceived liquidity. This strategic move, even though it was a secondary offering that did not raise new capital for the bank, expanded its investor base and visibility, contributing to the upward price movement in the period leading up to the listing.
3. Positive Technical Signals and Sustained Performance: The stock exhibited strong positive technical momentum within the specified period, including a "Golden Star Signal" identified on May 21, 2026. This technical indicator is often associated with the initiation of prolonged periods of strong gains. This signal, combined with a reported 15.28% gain between June 9, 2026, and July 24, 2026, indicated underlying strength and sustained investor interest well before the Nasdaq listing.
Show less
River City Bank (RCBC) stock has gained about 15% since 4/30/2026 because of the following key factors:
1. Exceptional Fiscal Q2 2026 Financial Results: River City Bank reported robust financial performance for fiscal Q2 2026, which ended on June 30, 2026. The bank's net income significantly increased by 27.3% year-over-year, reaching $19.6 million or $1.37 per share, compared to $15.4 million or $1.05 per share in the same period of 2025. This strong earnings growth was further underscored by a 14% rise in book value per share to $40.58 as of June 30, 2026, bolstering investor confidence.
2. Increased Market Visibility and Liquidity Ahead of IPO: The anticipation and eventual pricing of River City Bank's initial public offering (IPO) at $45.00 per share on August 5, 2026, and its subsequent listing on the Nasdaq Capital Market under the symbol "RCBC" on August 6, 2026, significantly heightened market interest and improved the stock's perceived liquidity. This strategic move, even though it was a secondary offering that did not raise new capital for the bank, expanded its investor base and visibility, contributing to the upward price movement in the period leading up to the listing.
3. Positive Technical Signals and Sustained Performance: The stock exhibited strong positive technical momentum within the specified period, including a "Golden Star Signal" identified on May 21, 2026. This technical indicator is often associated with the initiation of prolonged periods of strong gains. This signal, combined with a reported 15.28% gain between June 9, 2026, and July 24, 2026, indicated underlying strength and sustained investor interest well before the Nasdaq listing.
Show less
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Stock Movement Drivers
Fundamental Drivers
The 15.4% change in RCBC stock from 4/30/2026 to 8/11/2026 was primarily driven by a 15.4% change in the company's P/S Multiple.| (LTM values as of) | 4302026 | 8112026 | Change |
|---|---|---|---|
| Stock Price ($) | 40.91 | 47.19 | 15.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 3 | 3 | 0.0% |
| P/S Multiple | 123.7 | 142.7 | 15.4% |
| Shares Outstanding (Mil) | 10 | 10 | 0.0% |
| Cumulative Contribution | 15.4% |
Market Drivers
4/30/2026 to 8/11/2026| Return | Correlation | |
|---|---|---|
| RCBC | 15.4% | |
| Market (SPY) | 7.2% | 3.4% |
| Sector (XLF) | 10.9% | 15.1% |
Fundamental Drivers
The 8.9% change in RCBC stock from 1/31/2026 to 8/11/2026 was primarily driven by a 8.9% change in the company's P/S Multiple.| (LTM values as of) | 1312026 | 8112026 | Change |
|---|---|---|---|
| Stock Price ($) | 43.31 | 47.19 | 8.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 3 | 3 | 0.0% |
| P/S Multiple | 131.0 | 142.7 | 8.9% |
| Shares Outstanding (Mil) | 10 | 10 | 0.0% |
| Cumulative Contribution | 8.9% |
Market Drivers
1/31/2026 to 8/11/2026| Return | Correlation | |
|---|---|---|
| RCBC | 8.9% | |
| Market (SPY) | 11.7% | -2.2% |
| Sector (XLF) | 8.7% | 2.4% |
Fundamental Drivers
The 1191.5% change in RCBC stock from 7/31/2025 to 8/11/2026 was primarily driven by a 1191.5% change in the company's P/S Multiple.| (LTM values as of) | 7312025 | 8112026 | Change |
|---|---|---|---|
| Stock Price ($) | 3.65 | 47.19 | 1191.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 3 | 3 | 0.0% |
| P/S Multiple | 11.1 | 142.7 | 1191.5% |
| Shares Outstanding (Mil) | 10 | 10 | 0.0% |
| Cumulative Contribution | 1191.5% |
Market Drivers
7/31/2025 to 8/11/2026| Return | Correlation | |
|---|---|---|
| RCBC | 1191.5% | |
| Market (SPY) | 22.9% | -4.5% |
| Sector (XLF) | 11.7% | -6.3% |
Fundamental Drivers
The 2065.1% change in RCBC stock from 7/31/2023 to 8/11/2026 was primarily driven by a 2065.1% change in the company's P/S Multiple.| (LTM values as of) | 7312023 | 8112026 | Change |
|---|---|---|---|
| Stock Price ($) | 2.18 | 47.19 | 2065.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 3 | 3 | 0.0% |
| P/S Multiple | 6.6 | 142.7 | 2065.1% |
| Shares Outstanding (Mil) | 10 | 10 | 0.0% |
| Cumulative Contribution | 2065.1% |
Market Drivers
7/31/2023 to 8/11/2026| Return | Correlation | |
|---|---|---|
| RCBC | 2065.1% | |
| Market (SPY) | 74.3% | -1.3% |
| Sector (XLF) | 70.9% | -2.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| RCBC Return | 68% | -11% | -6% | 38% | 1322% | 8% | 2877% |
| Peers Return | 16% | -19% | 25% | 0% | 49% | 15% | 101% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 13% | 106% |
Monthly Win Rates [3] | |||||||
| RCBC Win Rate | 83% | 50% | 50% | 67% | 83% | 50% | |
| Peers Win Rate | 33% | 50% | 54% | 46% | 69% | 68% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| RCBC Max Drawdown | -14% | -17% | -27% | -12% | -13% | -11% | |
| Peers Max Drawdown | -16% | -31% | -31% | -26% | -21% | -20% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, FCBM, CBC, NU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 8/11/2026 (YTD)
How Low Can It Go
| Event | RCBC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -13.0% | -18.8% |
| % Gain to Breakeven | 14.9% | 23.1% |
| Time to Breakeven | 102 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -15.3% | -9.5% |
| % Gain to Breakeven | 18.1% | 10.5% |
| Time to Breakeven | 82 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -26.5% | -6.7% |
| % Gain to Breakeven | 36.1% | 7.1% |
| Time to Breakeven | 263 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -16.0% | -24.5% |
| % Gain to Breakeven | 19.0% | 32.4% |
| Time to Breakeven | 603 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -32.4% | -33.7% |
| % Gain to Breakeven | 47.9% | 50.9% |
| Time to Breakeven | 342 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -22.5% | -19.2% |
| % Gain to Breakeven | 29.0% | 23.8% |
| Time to Breakeven | 355 days | 105 days |
In The Past
River City Bank's stock fell -13.0% during the 2025 US Tariff Shock. Such a loss loss requires a 14.9% gain to breakeven.
Preserve Wealth
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Asset Allocation
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| Event | RCBC | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -26.5% | -6.7% |
| % Gain to Breakeven | 36.1% | 7.1% |
| Time to Breakeven | 263 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -32.4% | -33.7% |
| % Gain to Breakeven | 47.9% | 50.9% |
| Time to Breakeven | 342 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -22.5% | -19.2% |
| % Gain to Breakeven | 29.0% | 23.8% |
| Time to Breakeven | 355 days | 105 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -82.1% | -53.4% |
| % Gain to Breakeven | 457.6% | 114.4% |
| Time to Breakeven | 2069 days | 1085 days |
In The Past
River City Bank's stock fell -13.0% during the 2025 US Tariff Shock. Such a loss loss requires a 14.9% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 22.62 |
| Mkt Cap | 0.5 |
| Rev LTM | 277 |
| Op Inc LTM | - |
| FCF LTM | 239 |
| FCF 3Y Avg | 17 |
| CFO LTM | 256 |
| CFO 3Y Avg | 19 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.6% |
| Rev Chg 3Y Avg | 26.8% |
| Rev Chg Q | 12.7% |
| QoQ Delta Rev Chg LTM | 3.0% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 20.2% |
| CFO/Rev 3Y Avg | 22.3% |
| FCF/Rev LTM | 18.1% |
| FCF/Rev 3Y Avg | 19.6% |
Price Behavior
Price Behavior
| Market Price | $47.19 | |
| Market Cap ($ Bil) | 0.5 | |
| Distance from 52W High | -4.8% | |
| 50 Days | 200 Days | |
| DMA Price | $25.25 | $25.03 |
| DMA Trend | up | up |
| Distance from DMA | 86.9% | 88.5% |
| 3M | 1YR | |
| Volatility | 22.9% | 1,044.8% |
| Downside Capture | -4.03 | -418.99 |
| Upside Capture | 63.91 | 22.13 |
| Correlation (SPY) | 3.4% | -4.0% |
RCBC Betas & Captures as of 7/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.17 | 0.04 | 0.03 | -0.04 | -2.90 | -0.41 |
| Up Beta | -0.24 | -0.29 | -0.18 | -0.17 | -0.02 | 0.03 |
| Down Beta | 0.37 | 0.12 | 0.03 | 0.09 | 3.80 | 1.73 |
| Up Capture | 111% | 62% | 45% | 8% | 5% | 13% |
| Bmk +ve Days | 11 | 22 | 35 | 67 | 138 | 427 |
| Stock +ve Days | 10 | 19 | 25 | 42 | 83 | 216 |
| Down Capture | -73% | -40% | -30% | -21% | -2254% | -742% |
| Bmk -ve Days | 11 | 21 | 28 | 59 | 114 | 326 |
| Stock -ve Days | 4 | 7 | 15 | 46 | 81 | 176 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RCBC | |
|---|---|---|---|---|
| RCBC | 1,025.3% | 1,170.5% | 1.31 | - |
| Sector ETF (XLF) | 12.9% | 14.6% | 0.61 | -8.3% |
| Equity (SPY) | 22.1% | 12.8% | 1.28 | -6.0% |
| Gold (GLD) | 28.2% | 28.4% | 0.86 | 1.5% |
| Commodities (DBC) | 37.4% | 20.1% | 1.47 | 0.1% |
| Real Estate (VNQ) | 12.5% | 13.8% | 0.61 | -10.1% |
| Bitcoin (BTCUSD) | -45.3% | 42.9% | -1.28 | -15.1% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RCBC | |
|---|---|---|---|---|
| RCBC | 88.9% | 725.3% | 0.89 | - |
| Sector ETF (XLF) | 11.2% | 18.4% | 0.47 | -2.6% |
| Equity (SPY) | 13.3% | 17.2% | 0.60 | -1.4% |
| Gold (GLD) | 18.8% | 18.6% | 0.82 | 1.4% |
| Commodities (DBC) | 9.3% | 19.6% | 0.36 | 1.1% |
| Real Estate (VNQ) | 1.9% | 18.9% | -0.00 | -4.3% |
| Bitcoin (BTCUSD) | 10.9% | 52.8% | 0.39 | -8.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RCBC | |
|---|---|---|---|---|
| RCBC | 46.4% | 627.3% | 0.82 | - |
| Sector ETF (XLF) | 13.7% | 22.1% | 0.57 | -1.5% |
| Equity (SPY) | 15.3% | 17.9% | 0.73 | -0.9% |
| Gold (GLD) | 12.0% | 16.2% | 0.61 | 1.3% |
| Commodities (DBC) | 7.9% | 18.0% | 0.35 | 1.5% |
| Real Estate (VNQ) | 4.5% | 20.7% | 0.18 | -3.2% |
| Bitcoin (BTCUSD) | 59.4% | 66.1% | 0.99 | -6.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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