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River City BankRCBC -0.70%67 Shareholder Yield % is 1.47% as of Dec. 2025, which is 19% below its 10-year median of 1.81. 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 1,501 Banks companies, River City Bank ranks worse than 50.3% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, River City Bank's Shareholder Yield % was 1.47%.
River City Bank (OTCPK:RCBC) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
River City Bank Shareholder Yield % Related Terms
River City Bank Shareholder Yield % Historical Data
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The historical data trend for River City Bank's Shareholder Yield % 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: Shareholder Yield % Comparison
For the Banks - Regional subindustry, River City Bank's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where River City Bank's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
River City Bank (RCBC) has a Shareholder Yield % of 1.47% as of Dec. 2025. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on River City Bank and its competitors. This is 19% below median its historical median of 1.81. According to the industry distribution chart, River City Bank ranks #755 out of 1501 companies in the Banks industry, placing it in the top 50.3%.
Is River City Bank's Shareholder Yield % too high?
River City Bank's current Shareholder Yield % of 1.47% is 19% below median its 10-year median of 1.81. The Banks industry median Shareholder Yield % is 1.51. River City Bank's value of 1.47% is 2.6% below this industry median. Based on the distribution chart, River City Bank ranks #755 out of 1501 companies in the Banks industry, which is below 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 Shareholder Yield % compare to CWBC and BCAL?
According to the Banks industry distribution chart, River City Bank ranks #755 out of 1501 companies for Shareholder Yield %. This places River City Bank in the lower half of its industry. The industry median Shareholder Yield % is 1.51. River City Bank's value of 1.47% is 2.6% below this benchmark. While the company's 10-year median is 1.81 vs. the industry median of 1.51, 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 Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.51, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River City Bank's current Shareholder Yield % of 1.47% is 2.6% 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on River City Bank and its competitors. For the Banks industry, the median Shareholder Yield % is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River City Bank's current Shareholder Yield % is 1.47%, which is 19% below median its own 10-year median of 1.81. 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 Shareholder Yield % is 1.47%, which is 19% below median its 10-year median of 1.81 and 2.6% below the Banks industry median of 1.51. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For River City Bank (RCBC), the current Shareholder Yield % is 1.47% 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:
Shareholder Yield %: 1.47% (19% below median its 10-year median of 1.81)
GF Value™: $32.12 vs. price of $47.19 (46.9% above fair value)
Industry Position: 2.6% below the Banks median (#755 of 1501)
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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