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River City BankRCBC -0.17%60 3-Year EPS without NRI Growth Rate is 13.30% as of Dec. 2025, which is 29% below its 10-year median of 18.80. GuruFocus rates RCBC with a GF Scoreâ„¢ of 60/100 and a GF Valueâ„¢ of $32.61 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,402 Banks companies, River City Bank ranks better than 63.62% on this metric.
During the past 12 months, River City Bank's average EPS without NRI Growth Rate was -6.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 13.30% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 17.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 10 years, the highest 3-Year average EPS without NRI Growth Rate of River City Bank was 28.60% per year. The lowest was -4.10% per year. And the median was 18.80% per year.
River City Bank (NAS:RCBC) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
River City Bank 3-Year EPS without NRI Growth Rate Related Terms
RCBC vs AROW, CWBC, PFIS: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, River City Bank's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where River City Bank's 3-Year EPS without NRI Growth Rate falls into.
River City Bank 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 13.30% mean?
River City Bank (RCBC) has a 3-Year EPS without NRI Growth Rate of 13.30% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for River City Bank and its competitors. This is 29% below median its historical median of 18.80. According to the industry distribution chart, River City Bank ranks #510 out of 1402 companies in the Banks industry, placing it in the top 36.4%.
Is River City Bank's 3-Year EPS without NRI Growth Rate too high?
River City Bank's current 3-Year EPS without NRI Growth Rate of 13.30% is 29% below median its 10-year median of 18.80. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. River City Bank's value of 13.30% is 75% above this industry median. Based on the distribution chart, River City Bank ranks #510 out of 1402 companies in the Banks industry, which is above the industry midpoint. Overall, River City Bank has a GF Scoreâ„¢ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River City Bank's 3-Year EPS without NRI Growth Rate compare to AROW and CWBC?
According to the Banks industry distribution chart, River City Bank ranks #510 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This puts River City Bank in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. River City Bank's value of 13.30% is 75% above this benchmark. While the company's 10-year median is 18.80 vs. the industry median of 7.60, River City Bank has consistently been above 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current 3-Year EPS without NRI Growth Rate of 13.30% is 75% above 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for River City Bank and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current 3-Year EPS without NRI Growth Rate is 13.30%, which is 29% below median its own 10-year median of 18.80. 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 $52.71 — trading 61.6% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 13.30%, which is 29% below median its 10-year median of 18.80 and 75% above the Banks industry median of 7.60. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For River City Bank (RCBC), the current 3-Year EPS without NRI Growth Rate is 13.30% 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 $52.71 is trading 61.6% above its estimated GF Value™ of $32.61.
GuruFocus considers River City Bank to be Significantly Overvalued.
Key valuation signals for RCBC:
3-Year EPS without NRI Growth Rate: 13.30% (29% below median its 10-year median of 18.80)
GF Value™: $32.61 vs. price of $52.71 (61.6% above fair value)
Industry Position: 75% above the Banks median (#510 of 1402)
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
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