River City Bank (FRA:YN0) Scaled Net Operating Assets: N/A (As of Dec. 2025)

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FRA:YN0 River City Bank FRA:YN0
60 GF Score
Price €45.10
GF Value €27.47
! 5 Warning Signs
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What is River City Bank Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

River City Bank's operating assets for the quarter that ended in Dec. 2025 was €4,940.09 Mil. River City Bank's operating liabilities for the quarter that ended in Dec. 2025 was €4,451.79 Mil. River City Bank's Total Assets for the quarter that ended in Dec. 2023 was €0.00 Mil. Therefore, River City Bank's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was N/A.

FRA:YN0
60GF Score
River City Bank FRA:YN0
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River City Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

River City Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(4533.5425092597-4451.7850908936)/4967.1926605505
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4940.0911064754 - 406.54859721572
=4533.5425092597

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4473.0716505598 - 0 - 21.286559666227
=4451.7850908936

River City Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2023 )
=(4940.0911064754-4451.7850908936)/
=N/A

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4940.0911064754 -
=4940.0911064754

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4473.0716505598 - 0 - 21.286559666227
=4451.7850908936

* 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.

Is River City Bank (FRA:YN0) Overvalued in 2026?

Based on GuruFocus' analysis, River City Bank stock appears to be overvalued. The current stock price of €45.10 is trading 64.2% above its estimated GF Value™ of €27.47.

Key valuation signals for FRA:YN0:

  • Scaled Net Operating Assets: N/A
  • GF Value™: €27.47 vs. price of €45.10 (64.2% above fair value)
  • GF Score™: 60/100 with 5 warning signs

No single metric tells the full story. See the FRA:YN0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

River City Bank Business Description

Other Exchanges RCBC:USA
Address 2480 Natomas Park Drive, Sacramento, CA, USA, 95833
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.
60GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€45.10
Price
€27.47
GF Value