Stock Ratings / Financials / RCBC / earnings

SPFI (71) SMBK (68) ALRS (66) IBCP (66) ⌘ Pro Terminal →

River City Bank (RCBC) Next Earnings Date & Expected ±6.1% Move

$58.75 -0.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

River City Bank (RCBC) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $834.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE-0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RCBC)Realized 20D OHLCV Swing Band: ±6.1%

NEXT EST. WINDOW: Upcoming Quarter (~28 DAYS)

Historical OHLCV Volatility ±6.1% Swing Band

±$3.58 Expected Swing

MODEL EARNINGS SETUP GAUGE

RCBC Quantitative Pre-Earnings Setup: 57/100

Trailing EPS: $4.25 • YoY Revenue Growth: 12.4%

Model Bullish Setup (57/100)Model Risk Weight (43/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring RCBC)

✓Walkthrough of RCBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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RCBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +43.29%▲ ASCENDING CHANNEL

2026-10-30O $58.50H $58.75L $57.50C $58.75VOL 54.3K

RES: $61.05SUP: $53.34SMA50: $53.17SMA200: $45.80

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RCBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RCBC Butterfly Map → + Track RCBC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RCBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RCBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RCBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RCBC)

Financials Rank #643 of 1096 ⚔️ SPFI vs RCBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (RCBC vs. SPFI, SMBK, ALRS, IBCP)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, River City Bank (RCBC) ranks #643 by composite RQD confidence (57/100, grade D+) and #589 by equity capitalization ($834.2M). Within this direct 5-issuer industry benchmark cohort, IBCP leads on earnings valuation at 12.0x trailing P/E, while IBCP leads on capital efficiency and profitability with 13.6% ROIC and — gross margin. SPFI currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with RCBC at 57/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RCBC ACTIVE River City Bank	D+	57/100	—	—	—	-0.30%	$834.2M	Benchmark Subject
SPFI South Plains Financial Inc.	B-	71/100	14.2x	—	11.8%	+1.05%	$832.5M	/spfi-vs-rcbc →
SMBK SmartFinancial Inc.	C+	68/100	16.7x	—	9.1%	+1.09%	$839.0M	/smbk-vs-rcbc →
ALRS Alerus Financial Corporation	C+	66/100	47.2x	—	3.1%	+2.36%	$823.4M	/alrs-vs-rcbc →
IBCP Independent Bank Corporation	C+	66/100	12.0x	—	13.6%	+0.49%	$819.2M	/ibcp-vs-rcbc →

2. RCBC Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

River City Bank (RCBC) operates in Major Banks (Financials) with an equity capitalization of $834.2M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. RCBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RCBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, River City Bank (NASDAQ: RCBC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $58.75 (-0.30% 1D, market cap $834.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, RCBC ranks #643 in composite RQD confidence.

How does RCBC compare to SPFI and SMBK in the Financials sector?

Within the Financials sector (Major Banks), RCBC carries a Roarable D+ (57/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, SPFI (South Plains Financial Inc.) holds a B- grade (71/100 RQD, P/E 14.2x, ROIC 11.8%, cap $832.5M) and SMBK (SmartFinancial Inc.) posts a C+ grade (68/100 RQD, P/E 16.7x, ROIC 9.1%, cap $839.0M). Among the 5-stock peer group, IBCP leads on earnings multiple (12.0x) while IBCP leads on capital efficiency (13.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RCBC?

For River City Bank (RCBC), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity. and sector rank #643 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately. and implied 5-year growth hurdle of 8.0%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RCBC trading relative to its 50-day, 200-day, and 52-week technical levels?

RCBC last traded at $58.75 (-0.30% on volume of 68,147 shares), positioning the stock +10.49% above its 50-day simple moving average ($53.17) and +28.28% above its 200-day simple moving average ($45.80). Across its 52-week range of $38.76 to $59.25, RCBC sits at the 97.6% percentile with a 14-day RSI of 66.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.1% ($55.17 to $62.33).