River City Bank
Commercial bank for western real estate, clean energy and public-sector clients.
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Profile
Earns a lending spread by funding loans and securities with customer deposits, alongside cash-management, payment and lending services. Commercial real estate dominates the loan book, and specialized clean-energy and public-sector divisions complement the core commercial-bank model.
Operates a Sacramento-headquartered commercial bank that funds loans and securities with customer deposits, earning interest and loan fees while providing commercial treasury, cash-management and lending services. Lending includes commercial real estate, commercial and industrial credit, construction, residential mortgages, agriculture and consumer loans; commercial real estate is by far the largest exposure.
Extends its lending reach across the western United States from a Sacramento-area branch network and a San Francisco office. Its Clean Energy and Public Sector Banking divisions provide credit, cash-management and lockbox services to Community Choice Aggregation agencies, renewable projects and government entities. High-touch relationship management, locally made credit decisions and direct access to senior staff underpin the model. California state banking oversight and FDIC insurance frame its operations.
Company facts
Key statistics
Year to date +18.3% · Average volume (30d) 36.1K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Fiscal year | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise |
|---|---|---|---|---|---|---|
| 2025 | — | $4.72 | — | — | $265.6M | — |
Financial highlights
| 7 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $52.1M | $56.7M | $72.6M | $84.3M | $75.9M | $78.6M | |
| Gross profit | $17.3M | $21.7M | $38.6M | $45.6M | $37.5M | $39.0M | |
| Operating income | $17.3M | $21.7M | $27.5M | $28.6M | $24.8M | $27.1M | |
| Net income | $12.3M | $15.4M | $19.7M | $21.0M | $17.9M | $19.6M | |
| Diluted EPS | $0.83 | $1.05 | $1.36 | $1.45 | $1.24 | $1.37 | |
| Gross margin | 33.3% | 38.2% | 53.2% | 54.1% | 49.3% | 49.7% | |
| Operating margin | 33.3% | 38.2% | 37.8% | 34.0% | 32.7% | 34.5% |
Fiscal years (4-quarter sums)FY25 $265.6M
Balance sheet, Jun 30, 2026Cash & short-term investments $353.4M · Total debt $0 · Total assets $6.04B · Shareholders' equity $567.9M
Dividends
Raised for 17 straight years — most recently to $0.05 from $0.04 split-adjusted in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 3, 2026 | Aug 3 | Aug 17 | $0.05 | |
| May 5, 2026 | May 5 | May 19 | $0.05 | |
| Feb 10, 2026 | Feb 10 | Feb 24 | $0.05 | raised from $0.04 split-adjusted |
| Nov 4, 2025 | Nov 4 | Nov 18 | $0.40 | |
| Jul 29, 2025 | Jul 29 | Aug 12 | $0.40 | |
| May 6, 2025 | May 6 | May 20 | $0.40 | |
| Feb 12, 2025 | Feb 12 | Feb 26 | $0.40 | raised from $0.37 |
| Oct 29, 2024 | Oct 29 | Nov 12 | $0.37 |
Ownership
Shares outstanding 14.40M · Float 14.40M · 100.0% free float
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- Five Star Bancorp
Direct Sacramento business-bank and CRE lending rival.
- JPMorgan Chase
Scale rival in CRE, commercial deposits, and payments.
- Wells Fargo
California CRE and broad commercial-banking rival.
- Bank of America
Large California CRE, deposits, and treasury rival.
- U.S. Bancorp
Western CRE, government banking, and treasury rival.
- Banc of California
California business-banking and CRE lending rival.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| River City Bank | $50.87 | 0.00% | $732.7M | 9.4 | — | 2.4 | — |
| Five Star Bancorp | $45.62 | −0.15% | $1.10B | 13.5 | 13.1 | 4.0 | +25.1% |
| JPMorgan Chase | $357.66 | +0.05% | $958.25B | 15.4 | 14.8 | 3.2 | +27.8% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| Banc of California | $18.60 | −0.03% | $2.86B | — | 9.7 | 1.6 | — |
| Median | 13.5 | 12.1 | 2.2 | +19.3% |