River City Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from River City Bank's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 19% in 3 years; of every extra $100 of sales, $90 became extra profit. Higher than 91% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$90Sales grew 19% in 3 years; of every extra $100 of sales, $90 became extra profit.
Higher than 91% of Financial Services companies in United States.
Asset Productivity Ratio
+19% / +44%In 3 years sales changed by +19% while total assets changed by +44%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (10)
River City Bank owes $0.91 for every $1 it owns. Net profit fell 7% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
11.8Investors pay $11.8 for every $1 of River City Bank's yearly profit, lower than 60% of Financial Services companies in United States.
P/B ratio
1.42The share price is 1.42 times River City Bank's book value per share, higher than 63% of Financial Services companies in United States.
Market cap
$777 MThe total market value of all of River City Bank's shares at today's price (share price × number of shares), larger than 50% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$548 MWhat River City Bank would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Dec 2025).
Book value per share
$39.19Net worth divided by the number of shares. The share price of $55.52 is 1.4 times this, which is the P/B above.
Owes vs Owns
0.91×River City Bank owes $0.91 for every $1 it owns (high), higher than 84% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.34%River City Bank pays 0.34% of its share price as dividends a year, lower than 98% of dividend-paying Financial Services companies in United States.
Revenue growth
-6%Revenue fell 6% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit growth
-7%Net profit fell 7% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Profit margin
48.3%River City Bank keeps $48 of every $100 of revenue as net profit.
Questions
What is River City Bank's P/E ratio?
Investors pay $11.8 for every $1 of River City Bank's yearly profit, lower than 60% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For River City Bank: $777 M ÷ $548 M (31 Dec 2025) = 1.4.
How much does River City Bank owe compared with what it owns?
River City Bank owes $0.91 for every $1 it owns (high), higher than 84% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does River City Bank pay a dividend?
Yes. River City Bank pays 0.34% of its share price as dividends a year, lower than 98% of dividend-paying Financial Services companies in United States.
Is River City Bank's revenue growing?
Revenue fell 6% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.