River City Bank (RCBC) stock analysis

In our weekly check, River City Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 8.

About River City Bank

River City Bank is a Financial Services company (Banks - Regional) based in the United States, listed on OTC as RCBC.

What our checks show for RCBC

Red flags

• The net margin fell by 14.1 points over 5 years, to 24.3%: the company keeps less of each sale as profit.
• The gross margin fell by 39.6 points, to 49.5%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 14.5% a year.
• The stock has fallen as much as 86% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 7.8 years.
• Thinly traded (about 82 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 1.9%.

Warning signs

• A small company (market value $823 million): usually riskier and followed by fewer analysts.

Strengths

• Analysts expect the net margin to improve by 20.7 points from today's 24.3%.
• Revenue grew 27.2% a year over the last 3 years.
• Earnings per share grew 13.3% a year over the last 3 years.
• Net profit grew 12.7% a year over the last 3 years.
• The company keeps 24.3% of its revenue as net profit.
• Free cash flow is 26.8% of revenue: cash for dividends, buybacks or growth.

Next earnings report: 2027-01-22

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Questions

What grade does River City Bank (RCBC) have?

In our weekly check, River City Bank is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 8. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of RCBC stock?

This week's biggest flags for River City Bank: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does River City Bank do?

River City Bank is a Financial Services company (Banks - Regional) based in the United States, listed on OTC as RCBC.

When does River City Bank report earnings next?

The next earnings report is expected on 2027-01-22. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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