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River City BankRCBC 67 3-1 Month Momentum % is 4.27% as of Jul. 30, 2026. 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 1,578 Banks companies, River City Bank ranks better than 56.72% on this metric.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-30), River City Bank's 3-1 Month Momentum % is 4.27%.
The industry rank for River City Bank's 3-1 Month Momentum % or its related term are showing as below:
RCBC's 3-1 Month Momentum % is ranked better than 56.72% of 1578
companies
in the Banks industry
Industry Median: 2.635
vs RCBC: 4.27
River City Bank (OTCPK:RCBC) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
River City Bank 3-1 Month Momentum % Related Terms
RCBC vs CWBC, BCAL, PFIS: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, River City Bank's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where River City Bank's 3-1 Month Momentum % falls into.
River City Bank (OTCPK:RCBC) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 3-1 Month Momentum % of 4.27% as of Jul. 30, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on River City Bank and its competitors. According to the industry distribution chart, River City Bank ranks #683 out of 1578 companies in the Banks industry, placing it in the top 43.3%.
Is River City Bank's 3-1 Month Momentum % too high?
River City Bank's current 3-1 Month Momentum % is 4.27%. The Banks industry median 3-1 Month Momentum % is 2.64. River City Bank's value of 4.27% is 62% above this industry median. Based on the distribution chart, River City Bank ranks #683 out of 1578 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 3-1 Month Momentum % compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #683 out of 1578 companies for 3-1 Month Momentum %. This puts River City Bank in the upper half of its industry. The industry median 3-1 Month Momentum % is 2.64. River City Bank's value of 4.27% is 62% 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 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 2.64, based on 1,578 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current 3-1 Month Momentum % of 4.27% is 62% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on River City Bank and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 2.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current 3-1 Month Momentum % is 4.27%. 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 3-1 Month Momentum % is 4.27% and 62% above the Banks industry median of 2.64. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For River City Bank (RCBC), the current 3-1 Month Momentum % is 4.27% 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:
3-1 Month Momentum %: 4.27%
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 62% above the Banks median (#683 of 1578)
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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