Stock fact sheet · data as of
River City Bank (RCBC): fair value, margin of safety and Wheel Score
Ticker symbol RCBC · Financial Services · Banks - Regional · United States · Value
Is RCBC undervalued?
At 60.38 (close of 5 Nov 2026), RCBC trades 40% below the GLS average fair value of 100.30. That average comes from 9 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns River City Bank the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: DDM gives 2.94 while DCF gives 180.70. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, RCBC is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 66, growth score 35, out of 100).
Nine valuation models for RCBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 180.70 | +199% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 76.73 | +27% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 91.12 | +51% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 19.88 | -67% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 149.73 | +148% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 154.73 | +156% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 157.02 | +160% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 2.94 | -95% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 69.83 | +16% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -335.32 | -655% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 58.50 | -3% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - RCBC passes 5 of the nine Piotroski tests, which falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 7.7 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.
Returns on capital are moderate - ROIC 11.9%, ROE 12.5%, ROA 1.2% - with debt at 0.05 times equity and negative free cash flow.
The dividend yield is 0.33% with a payout ratio of 0% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 11.9% |
|---|---|---|---|
| GLS Moat | 7.7 / 10 | ROE | 12.5% |
| Debt / equity | 0.05 | ROA | 1.2% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 34: No options
RCBC has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (34 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 151k shares a day on a market cap of $857M, with a beta of 0.17 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $857M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 40% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 7.7/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.17, $857M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 22 Jan 2027, 78 days away - outside the window of a 30-45-day put sold today.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to River City Bank by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| SMBK SmartFinancial, Inc. | 49.53 | 58.29 | +15% | 44Weak | $847M |
| ALRS Alerus Financial Corporation | 34.83 | 25.06 | -39% | 38Weak | $868M |
| PGC Peapack-Gladstone Financial Corporation | 47.35 | 73.30 | +35% | 52Fair | $839M |
| CCBG Capital City Bank Group, Inc. | 51.80 | 44.91 | -15% | 39Weak | $887M |
| FCBC First Community Bankshares, Inc. | 46.87 | 49.31 | +5% | 35Weak | $887M |
| MPB Mid Penn Bancorp, Inc. | 35.03 | 46.59 | +25% | 47Weak | $887M |
| SPFI South Plains Financial, Inc. | 43.94 | 53.50 | +18% | 48Weak | $828M |
| ORRF Orrstown Financial Services, Inc. | 45.27 | 75.04 | +40% | 49Weak | $890M |
| IBCP Independent Bank Corporation | 37.25 | 39.42 | +5% | 38Weak | $823M |
| GSBC Great Southern Bancorp, Inc. | 82.78 | 60.82 | -36% | 28Weak | $902M |
| HBIA Hills Bancorporation | 46.60 | 20.37 | -129% | 25No options | $813M |
| SMBC Southern Missouri Bancorp, Inc. | 72.57 | 96.32 | +25% | 46Weak | $799M |
⚖ Compare RCBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about RCBC
Is RCBC undervalued right now?
By the GLS models, yes: at 60.38 the stock is 40% below the average fair value of 100.30 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of RCBC and what does it mean?
RCBC has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for RCBC?
100.30 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does River City Bank report earnings next?
The next earnings report is due on 22 Jan 2027, 78 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does RCBC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on RCBC, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.