River City Bank (FRA:YN0) EV-to-FCF: (As of Sep. 16, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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.

FRA:YN0 River City Bank FRA:YN0
60 GF Score
Price €45.10
GF Value €27.47
! 5 Warning Signs
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What is River City Bank EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, River City Bank's Enterprise Value is €644.59 Mil. River City Bank does not have enough years/quarters to calculate its Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025. Therefore, GuruFocus does not calculate River City Bank's EV-to-FCF at this moment.

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

FRA:YN0' s EV-to-FCF Range Over the Past 10 Years
Min: -3.02   Med: 5.33   Max: 32.21
Current: 9.67

During the past 10 years, the highest EV-to-FCF of River City Bank was 32.21. The lowest was -3.02. And the median was 5.33.

FRA:YN0's EV-to-FCF is ranked worse than
58.74% of 1178 companies
in the Banks industry
Industry Median: 7.43 vs FRA:YN0: 9.67

EV-to-FCF 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 (2026-09-16), River City Bank's stock price is €45.10. 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  (FRA:YN0) EV-to-FCF Explanation

EV-to-FCF 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)
=45.10/
=

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


River City Bank EV-to-FCF Related Terms


River City Bank EV-to-FCF Historical Data

* Premium members only.

The historical data trend for River City Bank's EV-to-FCF 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-FCF Chart

River City Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.69 4.91 -2.19 6.18 2.41

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

FRA:YN0 vs AROW, CWBC, PFIS: EV-to-FCF Comparison

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

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

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


FRA:YN0
60GF Score
River City Bank FRA:YN0
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

River City Bank EV-to-FCF Calculation

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

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=644.593/
=

Is River City Bank (FRA:YN0) Overvalued in 2026?

Based on GuruFocus' analysis, River City Bank stock appears to be overvalued. The current stock price of €45.10 is trading 64.2% above its estimated GF Value™ of €27.47.

Key valuation signals for FRA:YN0:

  • EV-to-FCF:
  • GF Value™: €27.47 vs. price of €45.10 (64.2% above fair value)
  • GF Score™: 60/100 with 5 warning signs

No single metric tells the full story. See the FRA:YN0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


River City Bank Business Description

Other Exchanges RCBC:USA
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 FRA:YN0

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

€45.10
Price
€27.47
GF Value