River City Bank cash flow to debt ratio of 287.89% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

River City Bank's free cash flow has increased 23.22% from $61.25M last year to $75.47M, signaling increasing performance

River City Bank's debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

River City Bank's debt has decreased relative to shareholder equity from 0.11 last year to 0.00 today, signaling strengthened financials

River City Bank has a net cash position, so leverage is healthy.

River City Bank earns at least as much interest as it pays. Interest obligations are fully covered.

River City Bank's profit margin was 51.06% last year and is 25.13% this year, signaling decreasing performance

River City Bank's short-term assets of $500.68M exceed its short-term liabilities of $25.56M

River City Bank's return on assets of 1.30% is lower than the 5.00% threshold, indicating inefficient asset utilization

River City Bank's return on equity of 14.18%, is lower than 15.00%, indicating bad performance

River City Bank's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

River City Bank had positive net income in 5 out of 5 years, indicating stable and consistent earnings

River City Bank has positive free cash flow, indicating the company generates cash after capital expenditures

River City Bank has a free cash flow yield of 9.53%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

River City Bank's yearly earnings has decreased 6.79% since last year from $73.40M to $68.42M, signaling decreasing performance

River City Bank's yearly revenue has increased 96.17% since last year from $143.75M to $281.98M, signaling increasing performance

ROIC 1.30% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

River City Bank's 3-year revenue CAGR of 41.21% is positive, indicating growing revenue over the past 3 years

River City Bank had revenue growth in 4 out of 5 years, indicating consistent revenue performance

River City Bank had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

River City Bank has insufficient data to evaluate this check.

River City Bank has an earnings yield of 9.93%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

River City Bank is overvalued relative to its fair value price of 0.00 based on Base EBITDA Valuation model

River City Bank has an EV/EBITDA ratio of 3.59x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

River City Bank has insufficient data to evaluate this check.

River City Bank has a PEG-ratio under 1 which is considered undervalued

River City Bank has a price-to-book ratio of 1.39x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

River City Bank has a price-to-sales ratio of 2.53x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue