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River City BankRCBC -0.70%67 FCF Yield % is 11.20 as of Jul. 30, 2026, which is 7% below its 10-year median of 12.03. 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 65.18% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
River City Bank FCF Yield % Related Terms
River City Bank FCF Yield % Historical Data
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The historical data trend for River City Bank's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's FCF Yield % distribution charts can be found below:
* The bar in red indicates where River City Bank's FCF Yield % 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 Yield % of 11.20 as of Jul. 30, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on River City Bank and its competitors. This is near median its historical median of 12.03. Over the past decade, River City Bank's FCF Yield % has ranged from 4.59 to 24.25. According to the industry distribution chart, River City Bank ranks #523 out of 1502 companies in the Banks industry, placing it in the top 34.8%.
Is River City Bank's FCF Yield % too high?
River City Bank's current FCF Yield % of 11.20 is near median its 10-year median of 12.03. Over the past 10 years, this metric has ranged from a low of 4.59 to a high of 24.25. The Banks industry median FCF Yield % is 7.89. River City Bank's value of 11.20 is 42% above this industry median. Based on the distribution chart, River City Bank ranks #523 out of 1502 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 FCF Yield % compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #523 out of 1502 companies for FCF Yield %. This puts River City Bank in the upper half of its industry. The industry median FCF Yield % is 7.89. River City Bank's value of 11.20 is 42% above this benchmark. Historically, River City Bank's own FCF Yield % has ranged from 4.59 to 24.25 over the past decade. While the company's 10-year median is 12.03 vs. the industry median of 7.89, 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 7.89, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current FCF Yield % of 11.20 is 42% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on River City Bank and its competitors. For the Banks industry, the median FCF Yield % is 7.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current FCF Yield % is 11.20, which is near median its own 10-year median of 12.03. 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 Yield % is 11.20, which is near median its 10-year median of 12.03 and 42% above the Banks industry median of 7.89. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For River City Bank (RCBC), the current FCF Yield % is 11.20 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:
FCF Yield %: 11.20 (near median its 10-year median of 12.03)
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 42% above the Banks median (#523 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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