RCBC (River City Bank) Dividend Payout Ratio: 0.03 (As of Dec. 2025) — 40% Below Median

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RCBC River City Bank RCBC
67 GF Score
Price $47.19
GF Value $32.12
Valuation Significantly Overvalued
! 5 Warning Signs
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What is River City Bank Dividend Payout Ratio?

River City Bank RCBC -0.70% 67 Dividend Payout Ratio is 0.03 as of Dec. 2025, which is 40% below its 10-year median of 0.05. 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 1,175 Banks companies, River City Bank ranks better than 98.98% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. River City Bank's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.03.

The historical rank and industry rank for River City Bank's Dividend Payout Ratio or its related term are showing as below:

RCBC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03   Med: 0.05   Max: 0.08
Current: 0.03

During the past 13 years, the highest Dividend Payout Ratio of River City Bank was 0.08. The lowest was 0.03. And the median was 0.05.

RCBC's Dividend Payout Ratio is ranked better than
98.98% of 1175 companies
in the Banks industry
Industry Median: 0.32 vs RCBC: 0.03

As of today (2026-07-30), the Dividend Yield % of River City Bank is 0.39%.

During the past 13 years, the highest Trailing Annual Dividend Yield of River City Bank was 0.80%. The lowest was 0.33%. And the median was 0.51%.

River City Bank's Dividends per Share for the months ended in Dec. 2025 was $0.16.

During the past 12 months, River City Bank's average Dividends Per Share Growth Rate was 8.10% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 6.60% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 5.80% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 17.80% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of River City Bank was 118.30% per year. The lowest was 5.30% per year. And the median was 6.60% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

River City Bank (OTCPK:RCBC) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

River City Bank Dividend Payout Ratio Related Terms

River City Bank Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for River City Bank's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

River City Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.04 0.04 0.04 0.03 0.03

River City Bank Semi-Annual Data
Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.04 0.04 0.04 0.03 0.03

RCBC vs CWBC, BCAL, PFIS: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, River City Bank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, River City Bank's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where River City Bank's Dividend Payout Ratio falls into.


RCBC
67GF Score
River City Bank RCBC
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

River City Bank Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

River City Bank's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.16/ 4.69
=0.03

River City Bank's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0.16/ 4.69
=0.03

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.03 mean?
River City Bank (RCBC) has a Dividend Payout Ratio of 0.03 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on River City Bank and its competitors. This is 40% below median its historical median of 0.05. Over the past decade, River City Bank's Dividend Payout Ratio has ranged from 0.03 to 0.08. According to the industry distribution chart, River City Bank ranks #12 out of 1175 companies in the Banks industry, placing it in the top 1%.
Is River City Bank's Dividend Payout Ratio too high?
River City Bank's current Dividend Payout Ratio of 0.03 is 40% below median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.08. The Banks industry median Dividend Payout Ratio is 0.32. River City Bank's value of 0.03 is 90.6% below this industry median. Based on the distribution chart, River City Bank ranks #12 out of 1175 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 Dividend Payout Ratio compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #12 out of 1175 companies for Dividend Payout Ratio. This places River City Bank in the top 1% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. River City Bank's value of 0.03 is 90.6% below this benchmark. Historically, River City Bank's own Dividend Payout Ratio has ranged from 0.03 to 0.08 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.32, River City Bank has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current Dividend Payout Ratio of 0.03 is 90.6% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on River City Bank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current Dividend Payout Ratio is 0.03, which is 40% below median its own 10-year median of 0.05. 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 Dividend Payout Ratio is 0.03, which is 40% below median its 10-year median of 0.05 and 90.6% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For River City Bank (RCBC), the current Dividend Payout Ratio is 0.03 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:

  • Dividend Payout Ratio: 0.03 (40% below median its 10-year median of 0.05)
  • GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
  • GF Score™: 67/100 with 5 warning signs
  • Industry Position: 90.6% below the Banks median (#12 of 1175)

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 Business Description

Address 2480 Natomas Park Drive, Sacramento, CA, USA, 95833
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

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.19
Price
$32.12
GF Value