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 Net Margin % is 48.33% as of Dec. 2025, which is 22% above its 10-year median of 39.47. 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 1,526 Banks companies, River City Bank ranks better than 92.73% on this metric.
Net margin is calculated as Net Income divided by its Revenue. River City Bank's Net Income for the
six
months ended in Dec. 2025 was $68.4 Mil. River City Bank's Revenue for the
six
months ended in Dec. 2025 was $141.6 Mil. Therefore, River City Bank's net margin for the quarter that ended in Dec. 2025 was 48.33%.
The historical rank and industry rank for River City Bank's Net Margin % or its related term are showing as below:
RCBC'
s Net Margin % Range Over the Past 10 Years
Min: 26.2 Med: 39.47 Max: 48.52
Current: 48.33
RCBC's Net Margin % is ranked better than 92.73% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs RCBC: 48.33
River City Bank (OTCPK:RCBC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
River City Bank Net Margin % Related Terms
River City Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for River City Bank's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where River City Bank's Net 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 Net Margin % of 48.33% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on River City Bank and its competitors. This is 22% above median its historical median of 39.47. Over the past decade, River City Bank's Net Margin % has ranged from 26.20 to 48.52. According to the industry distribution chart, River City Bank ranks #111 out of 1526 companies in the Banks industry, placing it in the top 7.3%.
Is River City Bank's Net Margin % too high?
River City Bank's current Net Margin % of 48.33% is 22% above median its 10-year median of 39.47. Over the past 10 years, this metric has ranged from a low of 26.20 to a high of 48.52. The Banks industry median Net Margin % is 27.05. River City Bank's value of 48.33% is 78.7% above this industry median. Based on the distribution chart, River City Bank ranks #111 out of 1526 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 Net Margin % compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #111 out of 1526 companies for Net Margin %. This places River City Bank in the top 7% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.05. River City Bank's value of 48.33% is 78.7% above this benchmark. Historically, River City Bank's own Net Margin % has ranged from 26.20 to 48.52 over the past decade. While the company's 10-year median is 39.47 vs. the industry median of 27.05, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current Net Margin % of 48.33% is 78.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on River City Bank and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current Net Margin % is 48.33%, which is 22% above median its own 10-year median of 39.47. 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 Net Margin % is 48.33%, which is 22% above median its 10-year median of 39.47 and 78.7% above the Banks industry median of 27.05. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For River City Bank (RCBC), the current Net Margin % is 48.33% 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:
Net Margin %: 48.33% (22% above median its 10-year median of 39.47)
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 78.7% above the Banks median (#111 of 1526)
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
Net Margin % 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 
