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River City BankRCBC -0.70%67 FCF Margin % is 53.31% as of Dec. 2025, which is 11% above its 10-year median of 48.09. 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 1,502 Banks companies, River City Bank ranks better than 76.03% on this metric.
The historical rank and industry rank for River City Bank's FCF Margin % or its related term are showing as below:
RCBC'
s FCF Margin % Range Over the Past 10 Years
Min: 22.8 Med: 48.09 Max: 53.43
Current: 53.31
During the past 13 years, the highest FCF Margin % of River City Bank was 53.43%. The lowest was 22.80%. And the median was 48.09%.
RCBC's FCF Margin % is ranked better than 76.03% of 1502
companies
in the Banks industry
Industry Median: 25.74
vs RCBC: 53.31
River City Bank FCF Margin % Related Terms
River City Bank FCF Margin % Historical Data
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The historical data trend for River City Bank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where River City Bank's FCF Margin % 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 FCF Margin % of 53.31% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on River City Bank and its competitors. This is 11% above median its historical median of 48.09. Over the past decade, River City Bank's FCF Margin % has ranged from 22.80 to 53.43. According to the industry distribution chart, River City Bank ranks #360 out of 1502 companies in the Banks industry, placing it in the top 24%.
Is River City Bank's FCF Margin % too high?
River City Bank's current FCF Margin % of 53.31% is 11% above median its 10-year median of 48.09. Over the past 10 years, this metric has ranged from a low of 22.80 to a high of 53.43. The Banks industry median FCF Margin % is 25.74. River City Bank's value of 53.31% is 107.1% above this industry median. Based on the distribution chart, River City Bank ranks #360 out of 1502 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #360 out of 1502 companies for FCF Margin %. This places River City Bank in the top 24% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 25.74. River City Bank's value of 53.31% is 107.1% above this benchmark. Historically, River City Bank's own FCF Margin % has ranged from 22.80 to 53.43 over the past decade. While the company's 10-year median is 48.09 vs. the industry median of 25.74, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.74, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current FCF Margin % of 53.31% is 107.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on River City Bank and its competitors. For the Banks industry, the median FCF Margin % is 25.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current FCF Margin % is 53.31%, which is 11% above median its own 10-year median of 48.09. 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 FCF Margin % is 53.31%, which is 11% above median its 10-year median of 48.09 and 107.1% above the Banks industry median of 25.74. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For River City Bank (RCBC), the current FCF Margin % is 53.31% 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 $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:
FCF Margin %: 53.31% (11% above median its 10-year median of 48.09)
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 107.1% above the Banks median (#360 of 1502)
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
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