RCBC (River City Bank) EV-to-OCF: (As of Sep. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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.
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Founder & CEO of GuruFocus
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.

RCBC River City Bank RCBC
60 GF Score
Price $53.18
GF Value $32.61
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is River City Bank EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, River City Bank's Enterprise Value is $744.25 Mil. River City Bank does not have enough years/quarters to calculate its Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025. Therefore, GuruFocus does not calculate River City Bank's EV-to-OCF at this moment.

The historical rank and industry rank for River City Bank's EV-to-OCF or its related term are showing as below:

RCBC' s EV-to-OCF Range Over the Past 10 Years
Min: -3.01   Med: 5.28   Max: 30.76
Current: 9.73

During the past 10 years, the highest EV-to-OCF of River City Bank was 30.76. The lowest was -3.01. And the median was 5.28.

RCBC's EV-to-OCF is ranked worse than
69.13% of 1487 companies
in the Banks industry
Industry Median: 4.08 vs RCBC: 9.73

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-09-15), River City Bank's stock price is $53.18. River City Bank does not have enough years/quarters to calculate its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025. Therefore, GuruFocus does not calculate River City Bank's PE Ratio (TTM) at this moment.

River City Bank  (NAS:RCBC) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

River City Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=53.18/
=

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.

River City Bank EV-to-OCF Related Terms

River City Bank EV-to-OCF Historical Data

* Premium members only.

The historical data trend for River City Bank's EV-to-OCF 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.

River City Bank EV-to-OCF Chart

River City Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.47 4.90 -2.23 5.85 2.47

River City Bank Semi-Annual Data
Dec23 Dec25
EV-to-OCF 0.00 0.00

RCBC vs AROW, CWBC, PFIS: EV-to-OCF Comparison

For the Banks - Regional subindustry, River City Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, River City Bank's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where River City Bank's EV-to-OCF falls into.


RCBC
60GF Score
River City Bank RCBC
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

River City Bank EV-to-OCF Calculation

River City Bank's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=744.252/
=

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 $53.18 is trading 63.1% above its estimated GF Value™ of $32.61. GuruFocus considers River City Bank to be Significantly Overvalued.

Key valuation signals for RCBC:

  • EV-to-OCF:
  • GF Value™: $32.61 vs. price of $53.18 (63.1% above fair value)
  • GF Score™: 60/100 with 5 warning signs

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 Business Description

Address 2480 Natomas Park Drive, Sacramento, CA, USA, 95833
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

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$53.18
Price
$32.61
GF Value