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River City BankRCBC -0.70%67 PS Ratio is 4.86 as of Jul. 30, 2026, which is 25% above its 10-year median of 3.88. 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 1,516 Banks companies, River City Bank ranks worse than 82.26% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, River City Bank's share price is $47.19.
River City Bank's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $9.71. Hence, River City Bank's PS Ratio for today is 4.86.
Warning Sign:
River City Bank stock PS Ratio (=4.94) is close to 10-year high of 5.26.
The historical rank and industry rank for River City Bank's PS Ratio or its related term are showing as below:
RCBC'
s PS Ratio Range Over the Past 10 Years
Min: 2.2 Med: 3.88 Max: 5.26
Current: 4.86
During the past 13 years, River City Bank's highest PS Ratio was 5.26. The lowest was 2.20. And the median was 3.88.
RCBC's PS Ratio is ranked worse than 82.26% of 1516
companies
in the Banks industry
Industry Median: 3.065
vs RCBC: 4.86
River City Bank revenue per share is in decline over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of River City Bank was -5.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 6.70% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 11.50% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 28.80% per year.
During the past 13 years, River City Bank's highest 3-Year average Revenue per Share Growth Rate was 189.10% per year. The lowest was -42.90% per year. And the median was 17.90% per year.
Back to Basics: PS Ratio
River City Bank (OTCPK:RCBC) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
River City Bank PS Ratio Related Terms
River City Bank PS Ratio Historical Data
* Premium members only.
The historical data trend for River City Bank's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where River City Bank's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
River City Bank's Share Price of today is $47.19.
For company reported annually, GuruFocus uses latest annual data as the TTM data. River City Bank's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $9.71.
* 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.
It can also be calculated from the numbers for the whole company:
River City Bank (RCBC) has a PS Ratio of 4.86 as of Jul. 30, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on River City Bank and its competitors. This is 25% above median its historical median of 3.88. Over the past decade, River City Bank's PS Ratio has ranged from 2.20 to 5.26. According to the industry distribution chart, River City Bank ranks #1247 out of 1516 companies in the Banks industry, placing it in the top 82.3%.
Is River City Bank's PS Ratio too high?
River City Bank's current PS Ratio of 4.86 is 25% above median its 10-year median of 3.88. Over the past 10 years, this metric has ranged from a low of 2.20 to a high of 5.26. The Banks industry median PS Ratio is 3.07. River City Bank's value of 4.86 is 58.6% above this industry median. Based on the distribution chart, River City Bank ranks #1247 out of 1516 companies in the Banks industry, which is in the bottom quartile 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 PS Ratio compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #1247 out of 1516 companies for PS Ratio. This places River City Bank in the lower half of its industry. The industry median PS Ratio is 3.07. River City Bank's value of 4.86 is 58.6% above this benchmark. Historically, River City Bank's own PS Ratio has ranged from 2.20 to 5.26 over the past decade. While the company's 10-year median is 3.88 vs. the industry median of 3.07, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.07, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current PS Ratio of 4.86 is 58.6% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on River City Bank and its competitors. For the Banks industry, the median PS Ratio is 3.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current PS Ratio is 4.86, which is 25% above median its own 10-year median of 3.88. 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 PS Ratio is 4.86, which is 25% above median its 10-year median of 3.88 and 58.6% above the Banks industry median of 3.07. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For River City Bank (RCBC), the current PS Ratio is 4.86 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:
PS Ratio: 4.86 (25% above median its 10-year median of 3.88)
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 58.6% above the Banks median (#1247 of 1516)
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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