MARKET WIREYahoo Finance • 23h ago
River City Bank (RCBC) Stock Can Strong Q3 Earnings Silence Long Term DoubtsYahoo Finance report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
Why RCBC Stock advanced +0.97% Today — RQD Quant Desk Flash
$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
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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.
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INTERACTIVE SCENARIO DECK:
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-
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
Each axis scored 0–20
12M PRICE TARGET CONE+1.3% Base Target
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)Grade C-$55.15-2.5% Next Q
53
Q2 (-2Q)Grade C$53.77+7.3% Next Q
56
Q3 (-1Q)Grade C$57.68+1.5% Next Q
58
CurrentGrade C-$58.55+0.5% Hist 90D α
61
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why RCBC Stock advanced +0.97% Today — RQD Quant Desk Flash
River City Bank (RCBC) advanced +0.97% to $58.55, trading at 97% of its 52-week range ($38.76 – $59.25). Solid steady margins (steady margins), mixed timing at current multiples—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 97% of its 52-week range ($38.76 – $59.25) with RSI-14 at 64.1 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.6% around $58.55 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $23.1M annual free cash flow.
Live RCBC Headlines & Catalysts
MARKET WIRETradingView • 1d ago
River City Bank Q3 Earnings Call HighlightsTradingView report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 1d ago
Compared to Estimates, River City Bank (RCBC) Q3 Earnings: A Look at Key MetricsYahoo Finance report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
CATALYSTGuruFocus • 1d ago
River City Bank (RCBC) Marks Nasdaq Debut Amid Strong Q3 GrowthGuruFocus report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
MARKET WIREmarketscreener.com • 1d ago
Earnings Flash (RCBC) River City Bank Posts Q3 Adjusted EPS $1.29 per Sharemarketscreener.com report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
MARKET WIREBenzinga • 1d ago
River City Bank Q3 2026 Earnings Call TranscriptBenzinga report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESimply Wall St • 1d ago
River City Bank (RCBC) Stock Shrugs Off Q3 Earnings As Forecasts FadeSimply Wall St report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
MARKET WIREBusiness Wire • 1d ago
River City Bank Announces Date for Third Quarter 2026 Earnings Release and WebcastBusiness Wire report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
CATALYSTBenzinga • 7d ago
DA Davidson Maintains Neutral on River City Bank, Raises Price Target to $61DA Davidson analyst Gary Tenner maintains River City Bank (NASDAQ:RCBC) with a Neutral and raises the price target from $55 to $61.
RISK WATCHChartMill • 10d ago
River City Bank (NASDAQ:RCBC) Falls 19.9% After In-Line Q3 as Swap Gains Flatter GAAP ResultsRiver City Bank's Q3 2026 adjusted results were in line, but RCBC shares fell ~20% as investors questioned GAAP earnings boosted by swap gains.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (RCBC Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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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
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
RCBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
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 SNAPSHOTRiver 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 ENABLEDIs 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).
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
🟡 MARKET WIRE Yahoo Finance • 23h ago
River City Bank (RCBC) Stock Can Strong Q3 Earnings Silence Long Term Doubts Yahoo Finance report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingView • 1d ago
River City Bank Q3 Earnings Call Highlights TradingView report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Yahoo Finance • 1d ago
Compared to Estimates, River City Bank (RCBC) Q3 Earnings: A Look at Key Metrics Yahoo Finance report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST GuruFocus • 1d ago
River City Bank (RCBC) Marks Nasdaq Debut Amid Strong Q3 Growth GuruFocus report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE marketscreener.com • 1d ago
Earnings Flash (RCBC) River City Bank Posts Q3 Adjusted EPS $1.29 per Share marketscreener.com report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Benzinga • 1d ago
River City Bank Q3 2026 Earnings Call Transcript Benzinga report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Simply Wall St • 1d ago
River City Bank (RCBC) Stock Shrugs Off Q3 Earnings As Forecasts Fade Simply Wall St report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Business Wire • 1d ago
River City Bank Announces Date for Third Quarter 2026 Earnings Release and Webcast Business Wire report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
🔥 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
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.