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River City BankRCBC -0.70%67 Return-on-Tangible-Asset is 1.25% as of Dec. 2025, which is at its 10-year median of 1.25. 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 1,528 Banks companies, River City Bank ranks better than 64.99% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. River City Bank's annualizedNet Income for the quarter that ended in Dec. 2025 was $68.4 Mil. River City Bank's average total tangible assets for the quarter that ended in Dec. 2025 was $5,472.7 Mil. Therefore, River City Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 1.25%.
The historical rank and industry rank for River City Bank's Return-on-Tangible-Asset or its related term are showing as below:
RCBC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.82 Med: 1.25 Max: 17.23
Current: 1.25
During the past 13 years, River City Bank's highest Return-on-Tangible-Asset was 17.23%. The lowest was 0.82%. And the median was 1.25%.
RCBC's Return-on-Tangible-Asset is ranked better than 64.99% of 1528
companies
in the Banks industry
Industry Median: 1.005
vs RCBC: 1.25
River City Bank (OTCPK:RCBC) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
River City Bank Return-on-Tangible-Asset Related Terms
River City Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for River City Bank's Return-on-Tangible-Asset 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.
RCBC vs CWBC, BCAL, PFIS: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, River City Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where River City Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.25% mean?
River City Bank (RCBC) has a Return-on-Tangible-Asset of 1.25% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on River City Bank and its competitors. This is near median its historical median of 1.25. Over the past decade, River City Bank's Return-on-Tangible-Asset has ranged from 0.82 to 17.23. According to the industry distribution chart, River City Bank ranks #535 out of 1528 companies in the Banks industry, placing it in the top 35%.
Is River City Bank's Return-on-Tangible-Asset too high?
River City Bank's current Return-on-Tangible-Asset of 1.25% is near median its 10-year median of 1.25. Over the past 10 years, this metric has ranged from a low of 0.82 to a high of 17.23. The Banks industry median Return-on-Tangible-Asset is 1.01. River City Bank's value of 1.25% is 24.4% above this industry median. Based on the distribution chart, River City Bank ranks #535 out of 1528 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 Return-on-Tangible-Asset compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #535 out of 1528 companies for Return-on-Tangible-Asset. This puts River City Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.01. River City Bank's value of 1.25% is 24.4% above this benchmark. Historically, River City Bank's own Return-on-Tangible-Asset has ranged from 0.82 to 17.23 over the past decade. While the company's 10-year median is 1.25 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current Return-on-Tangible-Asset of 1.25% is 24.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on River City Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current Return-on-Tangible-Asset is 1.25%, which is near median its own 10-year median of 1.25. 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 Return-on-Tangible-Asset is 1.25%, which is near median its 10-year median of 1.25 and 24.4% above the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For River City Bank (RCBC), the current Return-on-Tangible-Asset is 1.25% 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:
Return-on-Tangible-Asset: 1.25% (near median its 10-year median of 1.25)
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 24.4% above the Banks median (#535 of 1528)
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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