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River City BankRCBC -0.70%67 ROE % is 13.24% as of Dec. 2025, which is 4% below its 10-year median of 13.85. 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 1,524 Banks companies, River City Bank ranks better than 70.73% on this metric.
The historical rank and industry rank for River City Bank's ROE % or its related term are showing as below:
RCBC'
s ROE % Range Over the Past 10 Years
Min: 9.02 Med: 13.85 Max: 95.85
Current: 13.24
During the past 13 years, River City Bank's highest ROE % was 95.85%. The lowest was 9.02%. And the median was 13.85%.
RCBC's ROE % is ranked better than 70.73% of 1524
companies
in the Banks industry
Industry Median: 10.32
vs RCBC: 13.24
River City Bank (OTCPK:RCBC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
River City Bank ROE % Related Terms
River City Bank ROE % Historical Data
* Premium members only.
The historical data trend for River City Bank's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's ROE % distribution charts can be found below:
* The bar in red indicates where River City Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
River City Bank (RCBC) has a ROE % of 13.24% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on River City Bank and its competitors. This is near median its historical median of 13.85. Over the past decade, River City Bank's ROE % has ranged from 9.02 to 95.85. According to the industry distribution chart, River City Bank ranks #446 out of 1524 companies in the Banks industry, placing it in the top 29.3%.
Is River City Bank's ROE % too high?
River City Bank's current ROE % of 13.24% is near median its 10-year median of 13.85. Over the past 10 years, this metric has ranged from a low of 9.02 to a high of 95.85. The Banks industry median ROE % is 10.32. River City Bank's value of 13.24% is 28.3% above this industry median. Based on the distribution chart, River City Bank ranks #446 out of 1524 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 ROE % compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #446 out of 1524 companies for ROE %. This puts River City Bank in the upper half of its industry. The industry median ROE % is 10.32. River City Bank's value of 13.24% is 28.3% above this benchmark. Historically, River City Bank's own ROE % has ranged from 9.02 to 95.85 over the past decade. While the company's 10-year median is 13.85 vs. the industry median of 10.32, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.32, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current ROE % of 13.24% is 28.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on River City Bank and its competitors. For the Banks industry, the median ROE % is 10.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current ROE % is 13.24%, which is near median its own 10-year median of 13.85. 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 ROE % is 13.24%, which is near median its 10-year median of 13.85 and 28.3% above the Banks industry median of 10.32. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For River City Bank (RCBC), the current ROE % is 13.24% 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:
ROE %: 13.24% (near median its 10-year median of 13.85)
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 28.3% above the Banks median (#446 of 1524)
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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