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The historical data trend for River City Bank's OCF 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.
FRA:YN0 vs AROW, CWBC, PFIS: OCF Margin % Comparison
For the Banks - Regional subindustry, River City Bank's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where River City Bank's OCF 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 (FRA:YN0) has a OCF Margin % of 0.00% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on River City Bank and its competitors. Over the past decade, River City Bank's OCF Margin % has ranged from 28.12 to 54.39. According to the industry distribution chart, River City Bank ranks #39 out of 1523 companies in the Banks industry, placing it in the top 2.6%.
Is River City Bank's OCF Margin % too high?
River City Bank's current OCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 28.12 to a high of 54.39. Based on the distribution chart, River City Bank ranks #39 out of 1523 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 60/100, reflecting its overall financial health beyond just this single metric.
How does River City Bank's OCF Margin % compare to AROW and CWBC?
According to the Banks industry distribution chart, River City Bank ranks #39 out of 1523 companies for OCF Margin %. This places River City Bank in the top 3% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 31.92. Historically, River City Bank's own OCF Margin % has ranged from 28.12 to 54.39 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 31.92, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on River City Bank and its competitors. For the Banks industry, the median OCF Margin % is 31.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current OCF Margin % is 0.00%. 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?
River City Bank (FRA:YN0) has a current OCF Margin % of 0.00%. The stock's GF Value™ is €27.47, compared to a current price of €45.10 — trading 64.2% above its estimated fair value. The current OCF Margin % is 0.00%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For River City Bank (FRA:YN0), the current OCF Margin % is 0.00% 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 (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:
OCF Margin %: 0.00%
GF Value™: €27.47 vs. price of €45.10 (64.2% above fair value)
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 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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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