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 -0.70%67 EV-to-OCF is 2.56 as of Jul. 30, 2026, which is 54% below its 10-year median of 5.53. GuruFocus rates RCBC with a GF Score™ of 67/100 and a GF Value™ of $32.12 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,500 Banks companies, River City Bank ranks better than 55.67% on this metric.
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 $196.1 Mil.
River City Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $76.5 Mil. Therefore, River City Bank's EV-to-OCF for today is 2.56.
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: 5.53 Max: 30.76
Current: 2.56
During the past 13 years, the highest EV-to-OCF of River City Bank was 30.76. The lowest was -3.01. And the median was 5.53.
RCBC's EV-to-OCF is ranked better than 55.67% of 1500
companies
in the Banks industry
Industry Median: 3.89
vs RCBC: 2.56
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 (OTCPK: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:
River City Bank's share price for today is $47.19.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. River City Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $4.690.
* 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.
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.
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.
River City Bank's current Enterprise Value is $196.1 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. River City Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $76.5 Mil.
* 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 EV-to-OCF of 2.56 as of Jul. 30, 2026. This is 54% below median its historical median of 5.53. According to the industry distribution chart, River City Bank ranks #665 out of 1500 companies in the Banks industry, placing it in the top 44.3%.
Is River City Bank's EV-to-OCF too high?
River City Bank's current EV-to-OCF of 2.56 is 54% below median its 10-year median of 5.53. The Banks industry median EV-to-OCF is 3.89. River City Bank's value of 2.56 is 34.2% below this industry median. Based on the distribution chart, River City Bank ranks #665 out of 1500 companies in the Banks industry, which is above the industry midpoint. Overall, River City Bank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River City Bank's EV-to-OCF compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #665 out of 1500 companies for EV-to-OCF. This puts River City Bank in the upper half of its industry. The industry median EV-to-OCF is 3.89. River City Bank's value of 2.56 is 34.2% below this benchmark. While the company's 10-year median is 5.53 vs. the industry median of 3.89, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.89, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current EV-to-OCF of 2.56 is 34.2% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current EV-to-OCF is 2.56, which is 54% below median its own 10-year median of 5.53. 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 $32.12, compared to a current price of $47.19 — trading 46.9% above its estimated fair value. The current EV-to-OCF is 2.56, which is 54% below median its 10-year median of 5.53 and 34.2% below the Banks industry median of 3.89. River City Bank's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For River City Bank (RCBC), the current EV-to-OCF is 2.56 as of Jul. 30, 2026. 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 $47.19 is trading 46.9% above its estimated GF Value™ of $32.12.
GuruFocus considers River City Bank to be Significantly Overvalued.
Key valuation signals for RCBC:
EV-to-OCF: 2.56 (54% below median its 10-year median of 5.53)
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 34.2% below the Banks median (#665 of 1500)
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.
67GF 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.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RCBC has been successfully added to your 
