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River City BankRCBC -0.70%67 PEG Ratio is 0.63 as of Jul. 30, 2026, which is 29% above its 10-year median of 0.49. 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 1,232 Banks companies, River City Bank ranks better than 83.04% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for River City Bank's PEG Ratio or its related term are showing as below:
RCBC'
s PEG Ratio Range Over the Past 10 Years
Min: 0.39 Med: 0.49 Max: 0.64
Current: 0.63
During the past 13 years, River City Bank's highest PEG Ratio was 0.64. The lowest was 0.39. And the median was 0.49.
RCBC's PEG Ratio is ranked better than 83.04% of 1232
companies
in the Banks industry
Industry Median: 1.56
vs RCBC: 0.63
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
River City Bank (OTCPK:RCBC) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
River City Bank PEG Ratio Related Terms
River City Bank PEG Ratio Historical Data
* Premium members only.
The historical data trend for River City Bank's PEG 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.
For the Banks - Regional subindustry, River City Bank's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where River City Bank's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
River City Bank (RCBC) has a PEG Ratio of 0.63 as of Jul. 30, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on River City Bank and its competitors. This is 29% above median its historical median of 0.49. Over the past decade, River City Bank's PEG Ratio has ranged from 0.39 to 0.64. According to the industry distribution chart, River City Bank ranks #209 out of 1232 companies in the Banks industry, placing it in the top 17%.
Is River City Bank's PEG Ratio too high?
River City Bank's current PEG Ratio of 0.63 is 29% above median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 0.64. The Banks industry median PEG Ratio is 1.56. River City Bank's value of 0.63 is 59.6% below this industry median. Based on the distribution chart, River City Bank ranks #209 out of 1232 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 PEG Ratio compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #209 out of 1232 companies for PEG Ratio. This places River City Bank in the top 17% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.56. River City Bank's value of 0.63 is 59.6% below this benchmark. Historically, River City Bank's own PEG Ratio has ranged from 0.39 to 0.64 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 1.56, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,232 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current PEG Ratio of 0.63 is 59.6% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on River City Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current PEG Ratio is 0.63, which is 29% above median its own 10-year median of 0.49. 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 PEG Ratio is 0.63, which is 29% above median its 10-year median of 0.49 and 59.6% below the Banks industry median of 1.56. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For River City Bank (RCBC), the current PEG Ratio is 0.63 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:
PEG Ratio: 0.63 (29% above median its 10-year median of 0.49)
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 59.6% below the Banks median (#209 of 1232)
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
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