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Stock Ratings / Financials / RCBC / dividends
ALRS (63) SMBK (61) SPFI (69) IBCP (70) ⌘ Pro Terminal →

River City Bank (RCBC) Dividend Safety Gauge & 10-Year DRIP Compounder

$58.55 +0.97% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $58.54

River City Bank (RCBC) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $823.4M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RCBC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RCBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, River City Bank (NASDAQ: RCBC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $58.55 (+0.97% 1D, market cap $823.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, RCBC ranks #367 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RCBC compare to ALRS and SMBK in the Financials sector?
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Within the Financials sector (Major Banks), RCBC carries a Roarable C- (61/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, ALRS (Alerus Financial Corporation) holds a C grade (63/100 RQD, P/E 47.2x, ROIC 3.1%, cap $826.8M) and SMBK (SmartFinancial Inc.) posts a C- grade (61/100 RQD, P/E 16.7x, ROIC 9.1%, cap $828.8M). Among the 5-stock peer group, IBCP leads on earnings multiple (12.0x) while IBCP leads on capital efficiency (13.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RCBC?
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For River City Bank (RCBC), key quantitative strengths include Big institutional funds and options desks are actively positioning on the bullish side and sector rank #367 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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $58.54 (-0.02%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510061
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 C
Cash (11)Whales (15)SEC (13)Macro (13)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE+1.3% Base Target
$70 Bull$59 Base$46 Bear
📬 FREE RCBC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RCBC)Realized 20D OHLCV Swing Band: ±5.6%
Deterministic 5-Pillar Attribution (61/100 Composite)
🔍 WHY RCBC SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (±5.6% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
53
Grade C-$55.15-2.5% Next Q
Q2 (-2Q)
56
Grade C$53.77+7.3% Next Q
Q3 (-1Q)
58
Grade C$57.68+1.5% Next Q
Current
61
Grade C-$58.55+0.5% Hist 90D α
Trajectory: C- (53) → C- (61)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RCBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, RCBC faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.40% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($53.54) or 200D SMA ($45.97) invalidates the momentum regime and cuts Target Base ($59.34) toward Bear Floor ($46.29).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RCBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “RCBC Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 61%NO 39%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in RCBC & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on RCBC and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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RCBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +41.80%⚡ TESTING RESISTANCE
2026-11-03O $58.75H $58.75L $57.99C $58.55VOL 54.3K
RES: $59.60SUP: $53.61SMA50: $53.54SMA200: $45.97
$60.57$55.11$49.65$44.19$38.74RES $59.60SUP $53.61$58.552026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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 #367 of 1097 ⚔️ ALRS vs RCBC Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, River City Bank (RCBC) ranks #367 by composite RQD confidence (61/100, grade C-) and #592 by equity capitalization ($823.4M). 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. IBCP currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with RCBC at 61/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
RCBC ACTIVE
River City Bank
C- 61/100 — — — +0.97% $823.4M Benchmark Subject
ALRS
Alerus Financial Corporation
C 63/100 47.2x — 3.1% +4.40% $826.8M /alrs-vs-rcbc →
SMBK
SmartFinancial Inc.
C- 61/100 16.7x — 9.1% +1.77% $828.8M /smbk-vs-rcbc →
SPFI
South Plains Financial Inc.
C+ 69/100 14.2x — 11.8% +1.23% $829.1M /spfi-vs-rcbc →
IBCP
Independent Bank Corporation
B- 70/100 12.0x — 13.6% +2.13% $807.5M /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 $823.4M, 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 2026-11-03, River City Bank (NASDAQ: RCBC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $58.55 (+0.97% 1D, market cap $823.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, RCBC ranks #367 in composite RQD confidence.

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

Within the Financials sector (Major Banks), RCBC carries a Roarable C- (61/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, ALRS (Alerus Financial Corporation) holds a C grade (63/100 RQD, P/E 47.2x, ROIC 3.1%, cap $826.8M) and SMBK (SmartFinancial Inc.) posts a C- grade (61/100 RQD, P/E 16.7x, ROIC 9.1%, cap $828.8M). 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 Big institutional funds and options desks are actively positioning on the bullish side and sector rank #367 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 $58.55 (+0.97% on volume of 80,107 shares), positioning the stock +9.36% above its 50-day simple moving average ($53.54) and +27.37% above its 200-day simple moving average ($45.97). Across its 52-week range of $38.76 to $59.25, RCBC sits at the 96.6% percentile with a 14-day RSI of 64.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.6% ($55.27 to $61.83).

Direct Sub-Reports: RCBC RQD Cockpit RCBC 12M Forecast RCBC Earnings & Move RCBC Dividends & DRIP RCBC Insiders & 13F RCBC Whale Options RCBC Profit Sankey RCBC News & Why
ROARABLE RATING BRIEF • RQD 61/100 (C-) ✓ SEC XBRL & RQD VERIFIED

RCBC — River City Bank: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

River City Bank (RCBC) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $58.55 (+0.97% 1D, market capitalization $823.4M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

River City Bank (RCBC) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry, . The Profile describes the company's market capitalization as $0.8B.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 61/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of — and institutional whale pillar of 15/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $38.76 – $59.25 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The sector (Financials) and industry (Major Banks) are recorded, but no inter-company linkages are provided.

  • Key Question #1: Can RCBC sustain or expand its — operating margin and — ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (— FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $59.25 52-week high?
  • Key Question #3: How sensitive is RCBC's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

RCBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for River City Bank (RCBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RCBC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RCBC Bull vs. Bear Conversation Board — What's Your Call at $58.55?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RCBC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RCBC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $72.49 (+25.0%)
📌 Pinned Debate

Institutional accumulation and a GREEN-flagged Q3 growth catalyst support the stock despite a 61 RQD score.

Don't sleep on RCBC's setup in Financials. Institutional accumulation and a GREEN-flagged Q3 growth catalyst support the stock despite a 61 RQD score.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (61/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

Both sides have a point here — RCBC's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $47.55 (-18.0%)
Spot @ $57.99

ROIC and FCF yield are both reported at 0%, and insider conviction scores only 9 of 20.

Here is the bear case nobody on the bull side wants to address on RCBC: ROIC and FCF yield are both reported at 0%, and insider conviction scores only 9 of 20.. At current EV/EBITDA multiples, even a small guidance miss in Major Banks triggers a 12-15% air pocket.

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