River City Bank cash flow to debt ratio of 0.00% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

River City Bank has insufficient data to evaluate this check.

River City Bank has insufficient data to evaluate this check.

River City Bank has insufficient data to evaluate this check.

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 has decreased (50.78%) in the last year from 51.06% to 25.13%, signaling decreasing performance

River City Bank has insufficient data to evaluate this check.

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 has insufficient data to evaluate this check.

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

River City Bank has negative free cash flow, indicating the company is burning cash rather than generating it

River City Bank has a free cash flow yield of 0.00%, which is below the 2.00% threshold, indicating limited cash return 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 has insufficient data to evaluate this check.

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 10.73%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

River City Bank has insufficient data to evaluate this check.

River City Bank has an EV/EBITDA ratio of 2.96x, 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 1.28x, 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 2.34x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue