Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
River City BankRCBC -0.28%60 Debt-to-Equity is 0.05 as of Dec. 2025, which is 89% below its 10-year median of 0.45. GuruFocus rates RCBC with a GF Score™ of 60/100 and a GF Value™ of $32.61 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,411 Banks companies, River City Bank ranks worse than 70871.65% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for River City Bank's Debt-to-Equity or its related term are showing as below:
During the past 10 years, the highest Debt-to-Equity Ratio of River City Bank was 1.69. The lowest was 0.03. And the median was 0.45.
RCBC's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.58 * Ranked among companies with meaningful Debt-to-Equity only.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
River City Bank Debt-to-Equity Related Terms
River City Bank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for River City Bank's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
RCBC vs AROW, CWBC, PFIS: Debt-to-Equity Comparison
For the Banks - Regional subindustry, River City Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
River City Bank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where River City Bank's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
River City Bank (RCBC) has a Debt-to-Equity of 0.05 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on River City Bank and its competitors. This is 89% below median its historical median of 0.45. Over the past decade, River City Bank's Debt-to-Equity has ranged from 0.03 to 1.69. According to the industry distribution chart, River City Bank ranks #999999 out of 1411 companies in the Banks industry.
Is River City Bank's Debt-to-Equity too high?
River City Bank's current Debt-to-Equity of 0.05 is 89% below median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 1.69. The Banks industry median Debt-to-Equity is 0.58. River City Bank's value of 0.05 is 91.4% below this industry median. Based on the distribution chart, River City Bank ranks #999999 out of 1411 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, River City Bank has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River City Bank's Debt-to-Equity compare to AROW and CWBC?
According to the Banks industry distribution chart, River City Bank ranks #999999 out of 1411 companies for Debt-to-Equity. This places River City Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. River City Bank's value of 0.05 is 91.4% below this benchmark. Historically, River City Bank's own Debt-to-Equity has ranged from 0.03 to 1.69 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 0.58, River City Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current Debt-to-Equity of 0.05 is 91.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on River City Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current Debt-to-Equity is 0.05, which is 89% below median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is River City Bank stock overvalued right now?
Based on GuruFocus' analysis, River City Bank (RCBC) is currently considered Significantly Overvalued. The stock's GF Value™ is $32.61, compared to a current price of $52.65 — trading 61.5% above its estimated fair value. The current Debt-to-Equity is 0.05, which is 89% below median its 10-year median of 0.45 and 91.4% below the Banks industry median of 0.58. River City Bank's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For River City Bank (RCBC), the current Debt-to-Equity is 0.05 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is River City Bank (RCBC) Overvalued in 2026?
Based on GuruFocus' analysis, River City Bank stock appears to be overvalued.
The current stock price of $52.65 is trading 61.5% above its estimated GF Value™ of $32.61.
GuruFocus considers River City Bank to be Significantly Overvalued.
Key valuation signals for RCBC:
Debt-to-Equity: 0.05 (89% below median its 10-year median of 0.45)
GF Value™: $32.61 vs. price of $52.65 (61.5% above fair value)
Industry Position: 91.4% below the Banks median (#999999 of 1411)
No single metric tells the full story. See the RCBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
River City Bank is a California state-chartered bank engaged in providing a range of banking services to individuals and businesses in California. The company's primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are commercial real estate, commercial, agriculture, residential mortgage, and consumer loans. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate in the Western United States.
60GF Score
Get the complete analysis for RCBC
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RCBC has been successfully added to your 
