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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. River City Bank's current 5-Year Share Buyback Ratio was 0.30%.
RCBC's 5-Year Share Buyback Ratio is ranked better than 69.7% of 1089
companies
in the Banks industry
Industry Median: -0.5
vs RCBC: 0.30
River City Bank (NAS:RCBC) 5-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
River City Bank 5-Year Share Buyback Ratio Related Terms
RCBC vs AROW, CWBC, PFIS: 5-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, River City Bank's 5-Year Share Buyback Ratio, along with its competitors' market caps and 5-Year Share Buyback 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 5-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River City Bank's 5-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where River City Bank's 5-Year Share Buyback Ratio falls into.
River City Bank 5-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from five years ago to the current year. The annualized percentage change is calculated with least-square regression based on the latest six years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 5-Year Share Buyback Ratio of 0.30 mean?
River City Bank (RCBC) has a 5-Year Share Buyback Ratio of 0.30 as of Dec. 2025. The 5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. View historical data for River City Bank and its competitors. According to the industry distribution chart, River City Bank ranks #330 out of 1089 companies in the Banks industry, placing it in the top 30.3%.
Is River City Bank's 5-Year Share Buyback Ratio too high?
River City Bank's current 5-Year Share Buyback Ratio is 0.30. Based on the distribution chart, River City Bank ranks #330 out of 1089 companies in the Banks industry, which is above the industry midpoint. Overall, River City Bank has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River City Bank's 5-Year Share Buyback Ratio compare to AROW and CWBC?
According to the Banks industry distribution chart, River City Bank ranks #330 out of 1089 companies for 5-Year Share Buyback Ratio. This puts River City Bank in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Share Buyback Ratio for a Banks company?
A good 5-Year Share Buyback Ratio depends on the Banks industry context. However, 5-Year Share Buyback Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Share Buyback Ratio mean?
A high 5-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 5-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past five years. It is calculated as the annualized percentage change in shares outstanding from five years ago to the current year. View historical data for River City Bank and its competitors. River City Bank's current 5-Year Share Buyback Ratio is 0.30. 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 $32.61, compared to a current price of $52.65 — trading 61.5% above its estimated fair value. The current 5-Year Share Buyback Ratio is 0.30. River City Bank's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Share Buyback Ratio calculated?
5-Year Share Buyback Ratio is calculated from a company's financial statements. For River City Bank (RCBC), the current 5-Year Share Buyback Ratio is 0.30 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 $52.65 is trading 61.5% above its estimated GF Value™ of $32.61.
GuruFocus considers River City Bank to be Significantly Overvalued.
Key valuation signals for RCBC:
5-Year Share Buyback Ratio: 0.30
GF Value™: $32.61 vs. price of $52.65 (61.5% above fair value)
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.
60GF Score
Get the complete analysis for RCBC
5-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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