$57.68

+0.98 (+1.73%)

After Hours: $51.51 (-6.17, -10.71%)

Weekly Expected Move ±3.5%

$51 $53 $55 $57 $59

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 68 · $805.1M mcap · 14M float · 0.295% daily turnover · Short 61% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

47.3 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 33.7%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. RCBC shows a Weak competitive edge (47.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 33.7% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$61

Low

$61

Avg Target

$61

High

Based on 1 analyst since Oct 23, 2026 earnings

Analyst Recommendations

Rating Summary

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-27	D.A. Davidson	Gary Tenner	$55	$61	+6	+6.3%	$57.38
2026-08-31	Raymond James	David Feaster	Initiated	$56	—	+10.0%	$50.93
2026-08-31	D.A. Davidson	—	Initiated	$55	—	+8.1%	$50.87

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A-

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. RCBC receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (4/5), P/E (4/5). Areas of concern: D/E (1/5).

Rating Change History

Date	From	To
2026-10-12	A	A-
2026-10-01	B+	A
2026-06-25	None	ADDED
2026-06-22	EXISTED	None
2026-06-01	None	ADDED
2026-05-31	EXISTED	None
2026-05-26	None	ADDED
2026-05-25	EXISTED	None
2026-05-11	None	ADDED
2026-05-11	EXISTED	None

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 71 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

100

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. RCBC scores highest in Momentum (100/100) and lowest in Safety (30/100). An overall grade of A+ places RCBC among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

1.64

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✓ ✗ ✓

Beneish M-Score

—

Ohlson O-Score

-5.68

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

BBB-

Score: 51.4/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.45x

Accruals: -0.4%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. RCBC scores 1.64, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. RCBC scores 7/9, signaling strong financial health across all three dimensions. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. RCBC's implied 0.3% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. RCBC receives an estimated rating of BBB- (score: 51.4/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). RCBC's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

9.28x

PEG

0.29x

P/S

2.44x

P/B

1.39x

P/FCF

8.63x

P/OCF

8.52x

EV/EBITDA

3.78x

EV/Revenue

1.68x

EV/EBIT

3.78x

EV/FCF

3.66x

Earnings Yield

8.12%

FCF Yield

11.59%

Shareholder Yield

1.15%

Graham Number

$55.60

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 9.3x earnings, RCBC trades at a deep value multiple. An earnings yield of 8.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $55.60 per share, 2% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

1.052

NI / EBT

Interest Burden

0.689

EBT / EBIT

EBIT Margin

0.445

EBIT / Rev

Asset Turnover

0.031

Rev / Assets

Equity Multiplier

10.950

Assets / Equity

ROE

10.8%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. RCBC's ROE of 10.8% is driven by financial leverage (equity multiplier: 10.95x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 1.05 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$29.49

Price/Value

1.45x

Margin of Safety

-44.94%

Premium

44.94%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with RCBC's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. RCBC trades at a 45% premium to its adjusted intrinsic value of $29.49, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 9.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$57.68

Median 1Y

$64.02

5th Pctile

$37.08

95th Pctile

$110.80

Ann. Volatility

34.4%

Analyst Target

$57.33

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
ROE	2.3%	0.5%	-1.4%	-2.7%	1.5%	5.2%	10.8%	10.81%
ROA	0.3%	0.0%	-0.1%	-0.2%	0.1%	0.5%	1.0%	0.99%
ROIC	4.0%	1.5%	2.8%	2.8%	-16.7%	-57.1%	33.7%	33.69%
ROCE	0.4%	0.5%	0.5%	0.5%	2.4%	0.7%	1.1%	1.14%
Gross Margin	1.0%	—	—	—	—	49.3%	49.7%	49.68%
Operating Margin	94.6%	—	—	—	—	32.7%	34.5%	34.49%
Net Margin	26.7%	—	—	—	—	23.6%	25.0%	24.97%
EBITDA Margin	45.7%	—	—	—	—	32.7%	34.5%	34.49%
FCF Margin	39.6%	1.8%	3.1%	4.5%	—	89.6%	46.0%	46.00%
OCF Margin	41.5%	1.8%	3.2%	4.6%	—	90.8%	46.6%	46.56%
ROIC Economic	snapshot only							12.80%
Cash ROA	snapshot only							1.19%
Cash ROIC	snapshot only							33.53%
CROIC	snapshot only							33.12%
NOPAT Margin	snapshot only							46.79%
Pretax Margin	snapshot only							30.63%
R&D / Revenue	snapshot only							0.00%
SGA / Revenue	snapshot only							11.09%
SBC / Revenue	snapshot only							0.66%

Valuation

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
P/E Ratio	42.59	189.82	-59.76	-29.28	78.95	25.79	12.32	9.283
P/S Ratio	11.38	26.29	25.08	23.85	—	8.03	3.97	2.443
P/B Ratio	0.96	0.87	0.83	0.79	0.79	1.08	1.08	1.387
P/FCF	28.74	14.97	8.05	5.33	5.10	8.96	8.63	8.629
P/OCF	27.42	14.61	7.88	5.22	5.03	8.85	8.52	8.525
EV/EBITDA	29.69	48.72	45.06	42.76	-9.80	-1.91	3.78	3.782
EV/Revenue	13.56	22.42	21.21	19.98	—	-1.05	1.68	1.681
EV/EBIT	29.69	49.10	46.44	43.76	-9.89	-1.92	3.78	3.782
EV/FCF	34.23	12.77	6.81	4.46	-2.55	-1.17	3.66	3.655
Earnings Yield	2.3%	0.5%	-1.7%	-3.4%	1.3%	3.9%	8.1%	8.12%
FCF Yield	3.5%	6.7%	12.4%	18.8%	19.6%	11.2%	11.6%	11.59%
PEG Ratio	snapshot only							0.292
Price/Tangible Book	snapshot only							1.080
EV/OCF	snapshot only							3.611
EV/Gross Profit	snapshot only							3.396
Acquirers Multiple	snapshot only							3.780
Shareholder Yield	snapshot only							1.15%
Graham Number	snapshot only							$55.60

Leverage & Solvency

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
Current Ratio	—	0.05	0.05	0.05	0.13	—	—	—
Quick Ratio	—	0.05	0.05	0.05	0.13	—	—	—
Debt/Equity	0.38	0.29	0.29	0.29	0.12	0.00	0.00	0.000
Net Debt/Equity	0.18	-0.13	-0.13	-0.13	-1.19	-1.22	-0.62	-0.622
Debt/Assets	0.04	0.03	0.03	0.03	0.01	0.00	0.00	0.000
Debt/EBITDA	9.78	18.94	18.52	18.66	3.05	0.00	0.00	0.000
Net Debt/EBITDA	4.76	-8.41	-8.22	-8.28	-29.39	-16.54	-5.15	-5.146
Interest Coverage	—	—	—	—	—	1.13	0.92	0.916
Equity Multiplier	8.95	11.45	11.45	11.45	11.81	10.73	10.64	10.640
Debt Service Coverage	snapshot only							0.916
Defensive Interval	snapshot only							3318.6 days

Efficiency & Turnover

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
Asset Turnover	0.01	0.00	0.00	0.00	0.00	0.02	0.03	0.031
Inventory Turnover	—	—	—	—	—	—	—	—
Receivables Turnover	—	0.97	0.97	0.97	0.00	4.08	8.86	8.858
Payables Turnover	—	0.00	0.00	0.00	0.00	77.38	156.91	156.907
DSO	0	378	378	378	—	89	41	41.2 days
DIO	—	—	—	—	—	0	0	0.0 days
DPO	—	—	—	—	—	5	2	2.3 days
Cash Conversion Cycle	—	—	—	—	—	85	39	38.9 days
Fixed Asset Turnover	snapshot only							14.420
Cash Velocity	snapshot only							0.437
Capital Intensity	snapshot only							39.118

Growth (YoY)

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
Revenue	—	—	—	—	-1.0%	5.5%	12.3%	12.26%
Net Income	—	—	—	—	34.9%	13.7%	11.2%	11.18%
EPS	—	—	—	—	28.9%	14.0%	11.6%	11.56%
FCF	—	—	—	—	13.1%	2.3%	95.8%	95.82%
EBITDA	—	—	—	—	2.2%	6.8%	11.5%	11.53%
Op. Income	—	—	—	—	52.4%	2.8%	5.2%	5.23%
OCF Growth	snapshot only							93.96%
Asset Growth	snapshot only							49.52%
Equity Growth	snapshot only							60.87%
Debt Growth	snapshot only							-1.00%
Shares Change	snapshot only							-3.56%
Dividend Growth	snapshot only							72.74%

Growth Quality

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
Revenue Stability	—	—	—	—	—	—	—	—
Earnings Stability	—	—	—	—	—	—	—	—
Margin Stability	—	—	—	—	—	—	—	—
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
FCF Positive Streak	0	0	0	0	1	1	1	0
Earnings Persistence	—	—	—	—	—	—	—	—
Earnings Smoothness	—	—	—	—	0.70	0.00	—	—
ROE Trend	—	—	—	—	—	—	—	—
Gross Margin Trend	—	—	—	—	—	—	—	—
FCF Margin Trend	—	—	—	—	—	—	—	—
Sustainable Growth Rate	2.0%	0.2%	—	—	0.8%	4.7%	10.3%	10.33%
Internal Growth Rate	0.2%	0.0%	—	—	0.1%	0.4%	1.0%	0.95%

Cash Flow Quality

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
OCF/Net Income	1.55	12.99	-7.59	-5.61	15.70	2.91	1.45	1.445
FCF/OCF	0.95	0.98	0.98	0.98	0.99	0.99	0.99	0.988
FCF/Net Income	snapshot only							1.428
OCF/EBITDA	snapshot only							1.047
CapEx/Revenue	1.9%	4.4%	6.8%	9.3%	—	1.2%	0.6%	0.56%
CapEx/Depreciation	snapshot only							205.159
Accruals Ratio	-0.00	-0.00	-0.01	-0.02	-0.02	-0.01	-0.00	-0.004
Sloan Accruals	snapshot only							0.644
Cash Flow Adequacy	snapshot only							23.592
Earnings Quality Score	snapshot only							1.000

Dividends & Buybacks

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
Dividend Yield	0.2%	0.3%	0.4%	0.6%	0.6%	0.3%	0.4%	0.33%
Dividend/Share	$0.02	$0.06	$0.09	$0.12	$0.13	$0.14	$0.15	$0.19
Payout Ratio	10.6%	50.8%	—	—	47.4%	8.8%	4.4%	4.38%
FCF Payout Ratio	7.1%	4.0%	3.6%	3.5%	3.1%	3.1%	3.1%	3.07%
Total Payout Ratio	16.4%	61.9%	—	—	74.5%	21.5%	14.1%	14.13%
Div. Increase Streak	0	0	0	0	1	1	1	0
Chowder Number	—	—	—	—	5.05	1.55	0.67	0.669
Buyback Yield	0.1%	0.1%	0.1%	0.1%	0.3%	0.5%	0.8%	0.79%
Net Buyback Yield	0.1%	0.1%	0.1%	0.1%	0.3%	0.5%	0.8%	0.79%
Total Shareholder Return	0.4%	0.3%	0.5%	0.7%	0.9%	0.8%	1.1%	1.15%

DuPont Factors

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.59	0.42	1.82	1.30	-0.33	1.72	1.05	1.052
Interest Burden (EBT/EBIT)	1.00	0.72	-0.50	-1.37	-0.75	0.33	0.69	0.689
EBIT Margin	0.46	0.46	0.46	0.46	—	0.55	0.44	0.445
Asset Turnover	0.01	0.00	0.00	0.00	0.00	0.02	0.03	0.031
Equity Multiplier	8.95	11.45	11.45	11.45	11.10	11.00	10.95	10.950

Per Share

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$0.22	$0.11	$-0.33	$-0.64	$0.28	$1.63	$3.47	$3.47
Book Value/Share	$9.71	$23.74	$23.74	$23.74	$28.09	$38.84	$39.60	$41.64
Tangible Book/Share	$9.71	$-223.27	$-223.27	$-223.27	$28.09	$38.84	$39.60	$39.60
Revenue/Share	$0.82	$0.78	$0.78	$0.78	$0.00	$5.23	$10.77	$23.65
FCF/Share	$0.32	$1.38	$2.44	$3.51	$4.37	$4.69	$4.95	$5.32
OCF/Share	$0.34	$1.41	$2.49	$3.58	$4.43	$4.75	$5.01	$5.39
Cash/Share	$1.88	$9.86	$9.86	$9.86	$36.92	$47.50	$24.64	$34.24
EBITDA/Share	$0.37	$0.36	$0.37	$0.37	$1.14	$2.87	$4.79	$4.79
Debt/Share	$3.66	$6.83	$6.83	$6.83	$3.47	$0.00	$0.00	$0.00
Net Debt/Share	$1.78	$-3.03	$-3.03	$-3.03	$-33.45	$-47.50	$-24.64	$-24.64

Academic Models

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	1.640
Altman Z-Prime	snapshot only							0.602
Piotroski F-Score	4	4	3	3	4	7	7	7
Beneish M-Score	—	—	—	—	—	—	—	—
Ohlson O-Score	snapshot only							-5.677
ROIC (Greenblatt)	snapshot only							17.75%
Net-Net WC	snapshot only							$-355.52
EVA	snapshot only							$50820402.82

Credit

Metric	Q4'13	Q1'23	Q2'23	Q3'23	Q4'23	Q1'26	Q2'26	Current
Credit Rating	snapshot only							BBB-
Credit Score	41.77	31.33	37.12	41.31	57.07	41.38	51.37	51.372
Credit Grade	snapshot only							10
Credit Trend	snapshot only							14.251
Implied Spread (bps)	snapshot only							350.000
Industry Credit Rank	snapshot only							39
Sector Credit Rank	snapshot only							36

RCBC NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

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