RCBC NASDAQ
River City Bank
1W: +6.7%
1M: +11.0%
3M: +19.4%
YTD: +32.0%
1Y: +43.3%
3Y: +173.1%
5Y: +109.4%
$57.68
+0.98 (+1.73%)
After Hours: $56.03 (-1.65, -2.87%)
Weekly Expected Move ±3.5%
$51
$53
$55
$57
$59
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.
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
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
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Peers
ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Income Trends
Revenue
$282M
+96.2% ▲
5Y CAGR: +30.9%
Gross Profit
$140M
-2.9% ▼
5Y CAGR: +5.8%
Operating Income
$95M
-8.3% ▼
5Y CAGR: +14.0%
Net Income
$68M
-6.8% ▼
5Y CAGR: +16.7%
EPS (Diluted)
$4.69
-6.0% ▼
5Y CAGR: +16.8%
EBITDA
$95M
-0.9% ▼
5Y CAGR: +15.0%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $116M | $100M | $121M | $144M | $282M |
| YoY Growth | +57.8% | -13.6% | +21.0% | +18.6% | +96.2% |
| Cost of Revenue | $13M | $0 | $0 | $0 | $142M |
| Gross Profit | $103M | $100M | $121M | $144M | $140M |
| Gross Margin | 89.1% | 100.0% | 100.0% | 100.0% | 49.5% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $25M | $27M | $28M | $32M | $31M |
| Operating Expenses | $40M | $27M | $28M | $32M | $44M |
| Operating Income | $63M | $67M | $85M | $104M | $95M |
| Operating Margin | 54.3% | 67.0% | 70.4% | 72.1% | 33.7% |
| Interest Expense | $13M | $19M | $93M | $142M | $140M |
| Income Before Tax | $63M | $67M | $85M | $104M | $95M |
| Tax Expense | $18M | $19M | $25M | $30M | $27M |
| Net Income | $44M | $48M | $60M | $73M | $68M |
| Net Margin | 38.4% | 47.8% | 49.8% | 51.1% | 24.3% |
| EPS (Diluted) | $3.01 | $3.22 | $4.05 | $4.99 | $4.69 |
| EBITDA | $70M | $72M | $86M | $96M | $95M |
| Shares Outstanding | 15M | 15M | 15M | 15M | 15M |