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River City BankRCBC +0.46%60 Intrinsic Value: Projected FCF is $87.98 as of Sep. 21, 2026. GuruFocus rates RCBC with a GF Score™ of 60/100 and a GF Value™ of $34.99 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,300 Banks companies, River City Bank ranks better than 50.15% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-21), River City Bank's Intrinsic Value: Projected FCF is $87.98. The stock price of River City Bank is $52.61. Therefore, River City Bank's Price-to-Intrinsic-Value-Projected-FCF of today is 0.6.
The historical rank and industry rank for River City Bank's Intrinsic Value: Projected FCF or its related term are showing as below:
RCBC'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.34 Med: 0.57 Max: 2.99
Current: 0.6
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of River City Bank was 2.99. The lowest was 0.34. And the median was 0.57.
RCBC's Price-to-Projected-FCF is ranked better than 50.15% of 1300
companies
in the Banks industry
Industry Median: 0.6
vs RCBC: 0.60
River City Bank (NAS:RCBC) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
River City Bank's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
52.61
/
=
* 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 Intrinsic Value: Projected FCF Related Terms
River City Bank Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for River City Bank's Intrinsic Value: Projected 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 Intrinsic Value: Projected FCF Chart
RCBC vs AROW, CWBC, PFIS: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, River City Bank's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where River City Bank's Price-to-Projected-FCF falls into.
River City Bank Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
What does a Intrinsic Value: Projected FCF of $87.98 mean?
River City Bank (RCBC) has a Intrinsic Value: Projected FCF of $87.98 as of Sep. 21, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on River City Bank and its competitors. According to the industry distribution chart, River City Bank ranks #648 out of 1300 companies in the Banks industry, placing it in the top 49.8%.
Is River City Bank's Intrinsic Value: Projected FCF too high?
River City Bank's current Intrinsic Value: Projected FCF is $87.98. The Banks industry median Intrinsic Value: Projected FCF is 0.60. River City Bank's value of $87.98 is 14563.3% above this industry median. Based on the distribution chart, River City Bank ranks #648 out of 1300 companies in the Banks industry, which is above the industry midpoint. Overall, River City Bank has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River City Bank's Intrinsic Value: Projected FCF compare to AROW and CWBC?
According to the Banks industry distribution chart, River City Bank ranks #648 out of 1300 companies for Intrinsic Value: Projected FCF. This puts River City Bank in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. River City Bank's value of $87.98 is 14563.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current Intrinsic Value: Projected FCF of $87.98 is 14563.3% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on River City Bank and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current Intrinsic Value: Projected FCF is $87.98. 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 $34.99, compared to a current price of $52.61 — trading 50.4% above its estimated fair value. The current Intrinsic Value: Projected FCF is $87.98 and 14563.3% above the Banks industry median of 0.60. River City Bank's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For River City Bank (RCBC), the current Intrinsic Value: Projected FCF is $87.98 as of Sep. 21, 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 $52.61 is trading 50.4% above its estimated GF Value™ of $34.99.
GuruFocus considers River City Bank to be Significantly Overvalued.
Key valuation signals for RCBC:
Intrinsic Value: Projected FCF: $87.98
GF Value™: $34.99 vs. price of $52.61 (50.4% above fair value)
Industry Position: 14563.3% above the Banks median (#648 of 1300)
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.
60GF Score
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Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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