River City Bank Financial Ratios — RCBC Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	13.6	12.56	11.81	19.21	-0.7	410.11	17.21	12.12	11.38	12.64	15.45	14.31	15.64	16.41	13.38
Return on Assets (%)	1.05	0.94	0.95	1.76	-0.07	34.47	1.64	1.13	1.07	1.08	1.27	1.24	1.34	1.46	1.25
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	-15.94	-12.76	-9.92	-7.25	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-188.01	-90.6	-135.27	-77.66	8.73	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-227.61	-141.32	-171.82	-96.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	-131.17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	143.11	101.63	130.69	173.27	-9.06	45.99	56.4	54.57	51.36	51.94	60.92	56.61	63.75	68.52	67.18
Profit Margin (%)	96.35	68.3	80.73	110.21	-9.06	27.45	26.2	38.59	36.83	36.84	43.05	40.34	45.12	48.52	48.33
Net Income to Common Margin (%)	96.35	68.3	80.73	110.21	-9.06	26.17	25.16	38.59	36.83	36.84	43.05	40.34	45.12	48.52	48.33
Effective Tax Rate (%)	32.67	32.79	38.23	36.39	- -	40.31	53.54	29.28	28.29	29.08	29.33	28.75	29.23	29.19	28.05
Dvd Payout Ratio (%)	- -	- -	- -	- -	-35.83	7.43	7.53	6.3	6.47	5.56	4.18	4.1	3.46	2.97	3.42
Sustainable Growth Rate (%)	13.6	12.56	11.81	19.21	-0.95	379.62	15.92	11.35	10.65	11.94	14.8	13.73	15.09	15.92	12.92

Credit (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	4	28	38	31	86	- -	312	265	148	13	8	100	- -	- -	- -
ST Debt	- -	24	34	27	86	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	4	4	4	4	- -	- -	312	265	148	13	8	100	- -	- -	- -
Total Debt/EBITDA	-0.32	-3.34	-3.25	-3.33	311.25	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	5.88	5.46	-0.26	2.6	307.6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	-0.26	-2.14	-2.56	-2.68	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	4.86	3.5	-0.21	2.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.25	7.77	8.31	10	8.01	- -	9.13	9.52	9.22	8	8.48	8.86	8.39	9.35	9.34
Long-Term Debt/Equity (%)	7.68	7.24	6.36	5.18	- -	- -	168.75	126.99	62.54	4.82	2.59	28.33	- -	- -	- -
Long-Term Debt/Capital (%)	7.74	4.83	3.91	3.57	- -	- -	62.64	55.77	38.69	4.66	2.52	21.83	- -	- -	- -
Long-Term Debt/Total Assets (%)	0.61	0.57	0.52	0.5	- -	- -	15.31	12.01	5.82	0.39	0.22	2.47	- -	- -	- -
Total Debt/Equity (%)	7.68	51.43	61.21	42.29	554.33	- -	168.75	126.99	62.54	4.82	2.59	28.33	- -	- -	- -
Total Debt/Capital (%)	7.74	34.31	37.63	29.1	92.56	- -	62.64	55.77	38.69	4.66	2.52	21.83	- -	- -	- -
Total Debt/Total Assets (%)	0.61	4.06	5.01	4.1	99.68	- -	15.31	12.01	5.82	0.39	0.22	2.47	- -	- -	- -
Net Debt to Equity	-140.76	-84.06	4.97	-33.06	547.83	- -	-48.61	-36.01	-28.85	-71.63	-52.23	-41.53	-131.43	-30.67	-87.05
Net Debt/Capital (%)	286.01	-583.07	4.67	-47.24	92.48	- -	-22.02	-18.79	-21.73	-225.13	-102.63	-47.05	405.48	-44.75	-741.53
EBITDA	-12	-8	-12	-9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-14	-10	-12	-12	- -	-10	-1	- -	-2	-1	- -	-1	- -	-1	-1
Operating Income (Loss)	-15	-13	-15	-12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.25	7.77	8.31	10	8.01	- -	9.13	9.52	9.22	8	8.48	8.86	8.39	9.35	9.34
Long-Term Debt/Equity (%)	7.68	7.24	6.36	5.18	- -	- -	168.75	126.99	62.54	4.82	2.59	28.33	- -	- -	- -
Long-Term Debt/Capital (%)	7.74	4.83	3.91	3.57	- -	- -	62.64	55.77	38.69	4.66	2.52	21.83	- -	- -	- -
Long-Term Debt/Total Assets (%)	0.61	0.57	0.52	0.5	- -	- -	15.31	12.01	5.82	0.39	0.22	2.47	- -	- -	- -
Total Debt/Equity (%)	7.68	51.43	61.21	42.29	554.33	- -	168.75	126.99	62.54	4.82	2.59	28.33	- -	- -	- -
Total Debt/Capital (%)	7.74	34.31	37.63	29.1	92.56	- -	62.64	55.77	38.69	4.66	2.52	21.83	- -	- -	- -
Total Debt/Total Assets (%)	0.61	4.06	5.01	4.1	99.68	- -	15.31	12.01	5.82	0.39	0.22	2.47	- -	- -	- -
CFO/Total Liabilities	1.2	1.06	1.03	1.12	0.26	- -	0.97	1.4	1.35	1.51	1.61	1.75	1.56	1.33	1.46
CFO/CapEx	4.84	4.2	8.18	2.45	0.47	2.24	22.19	65.56	14.88	53.27	111	56.27	237.25	92.28	75.5
Altman's Z-Score	0.02	0.04	0.05	0.09	2.01	- -	0.22	0.22	0.22	0.17	0.2	0.2	0.18	0.21	0.15

Working Capital (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	- -	6.28	1.47	223.25	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	58.16	248.02	1.63	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	237	176	247	269	307	239	401	356	336	456	- -
- Cash & Cash Equivalents	77	75	34	55	1	- -	90	75	68	193	161	147	549	149	477
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	4	28	38	31	86	- -	312	265	148	13	8	100	- -	- -	- -
Enterprise Value	-73	-46	3	-268	57	176	469	459	387	59	248	310	-213	307	-477
Total Capital	52	83	100	107	93	- -	498	475	383	279	318	458	414	481	542
Total Debt/Capital (%)	7.74	34.31	37.63	29.1	92.56	- -	62.64	55.77	38.69	4.66	2.52	21.83	- -	- -	- -
Total Debt / EV	-0.05	-0.61	12.31	-0.12	1.51	- -	0.67	0.58	0.38	0.22	0.03	0.32	- -	- -	- -
EV/Sales	- -	2.27	0.36	- -	17.99	3.24	7.37	7.38	5.62	0.69	2.4	2.61	- -	2.03	- -
EV/EBITDA	- -	- -	- -	- -	206.19	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	3.12	0.43	- -	311.92	7.88	26.19	16.36	12.39	1.28	4.6	4.8	- -	4.96	- -
EV/Free Cash Flow to Firm	- -	2.52	0.38	- -	100.36	5.45	25.06	16.11	11.61	1.26	4.56	4.72	- -	4.91	- -
Diluted Market Cap	- -	- -	- -	- -	237	202	271	269	307	239	401	356	336	456	- -
Diluted Enterprise Value	-73	-46	3	-24	322	202	493	459	387	59	248	310	-213	307	-477
EV per Share	- -	2.4	0.34	- -	3.18	14	35.53	31.55	26.46	4.02	16.83	20.86	- -	20.89	- -
TTM Sales	7	9	9	12	3	54	64	62	69	86	103	119	134	151	142
TTM EBITDA	-12	-8	-12	-9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-15	-13	-15	-12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	7	7	8	- -	22	18	28	31	46	54	64	70	62	76
TTM Free Cash Flow to Firm	9	8	8	11	1	32	19	28	33	47	54	66	71	63	77

Multiples (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	416.97	6.25	14.47	9.45	9.22	5.1	7.37	5.43	4.76	7.29	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-73	-46	3	-268	57	176	469	459	387	59	248	310	-213	307	-477
Low Price	- -	- -	- -	- -	12.46	12.1	14	17.2	17.13	12.5	16.3	23.1	16	22.53	30.06
EV/Sales	- -	2.27	0.36	- -	17.99	3.24	7.37	7.38	5.62	0.69	2.4	2.61	- -	2.03	- -
EV/EBITDA	- -	- -	- -	- -	206.19	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	12.39	15.41	11.21	12.12	7.55	9.02	7.45	5.56	6.21	- -
Price/Earnings Average	- -	- -	- -	- -	-816.43	11.23	13.3	12.63	11.01	7.48	8.28	7.81	5.2	5.56	- -
Price/Earnings High	- -	- -	- -	- -	-906.25	12.39	15.41	16.97	12.99	9.73	9.56	8.66	5.98	6.73	- -
Price/Earnings Low	- -	- -	- -	- -	-778.75	10.71	11.54	10.42	9.89	5.79	5.41	7.17	3.95	4.52	- -
Price/Book Value	- -	- -	- -	- -	34.24	- -	1.33	1.28	1.31	0.9	1.29	0.99	0.81	0.95	- -
Price/Book Value Average	- -	- -	- -	- -	33.88	- -	1.14	1.44	1.19	0.89	1.19	1.04	0.76	0.85	- -
Price/Book Value High	- -	- -	- -	- -	37.61	- -	1.33	1.94	1.4	1.16	1.37	1.16	0.87	1.03	- -
Price/Book Value Low	- -	- -	- -	- -	32.32	- -	0.99	1.19	1.07	0.69	0.78	0.96	0.58	0.69	- -
Price/Tangible Book Value	- -	- -	- -	- -	15.26	- -	1.33	1.29	1.3	0.89	1.3	1.01	0.8	0.94	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	15.1	- -	1.15	1.45	1.18	0.88	1.19	1.06	0.75	0.84	- -
Price/Tangible Book Value High	- -	- -	- -	- -	16.76	- -	1.33	1.95	1.39	1.14	1.38	1.17	0.86	1.02	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	14.4	- -	1	1.2	1.06	0.68	0.78	0.97	0.57	0.68	- -
Price/Sales	- -	- -	- -	- -	74.76	3.24	3.88	4.33	4.46	2.78	3.89	3	2.51	3.01	- -
Price/Sales Average	- -	- -	- -	- -	73.98	2.94	3.35	4.88	4.06	2.76	3.56	3.15	2.35	2.7	- -
Price/Sales High	- -	- -	- -	- -	82.12	3.24	3.88	6.55	4.78	3.58	4.11	3.49	2.7	3.27	- -
Price/Sales Low	- -	- -	- -	- -	70.57	2.8	2.9	4.02	3.64	2.13	2.33	2.89	1.78	2.19	- -
Price/Cash Flow	- -	- -	- -	- -	1,295.9	7.88	13.78	9.59	9.83	5.2	7.44	5.52	4.78	7.37	- -
Price/Cash Flow Average	- -	- -	- -	- -	1,282.44	7.14	11.9	10.81	8.93	5.15	6.82	5.79	4.47	6.59	- -
Price/Cash Flow High	- -	- -	- -	- -	1,423.53	7.88	13.78	14.52	10.54	6.69	7.88	6.42	5.13	7.98	- -
Price/Cash Flow Low	- -	- -	- -	- -	1,223.25	6.81	10.32	8.92	8.02	3.99	4.46	5.32	3.39	5.35	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	412.63	5.66	12.49	10.64	8.37	5.05	6.76	5.69	4.45	6.52	- -
Price/Free Cash Flow High	- -	- -	- -	- -	458.03	6.25	14.47	14.3	9.87	6.57	7.81	6.31	5.11	7.9	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	393.59	5.4	10.83	8.78	7.52	3.91	4.42	5.22	3.38	5.3	- -
EV/Sales Average	- -	1.72	0.36	5.78	100.83	2.94	6.84	7.93	5.21	0.66	2.08	2.76	- -	1.71	- -
EV/Sales High	- -	2.99	0.36	7.92	108.97	3.24	7.37	9.6	5.94	1.49	2.63	3.1	- -	2.28	- -
EV/Sales Low	- -	1.15	0.36	4.5	97.41	2.8	6.39	7.08	4.8	0.04	0.85	2.5	- -	1.21	- -
EV/EBITDA Average	5.88	5.46	-0.26	2.6	1,155.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	5.88	5.46	-0.26	2.6	1,248.58	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	5.88	5.46	-0.26	2.6	1,116.2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	4.86	3.5	-0.21	2.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	4.86	3.5	-0.21	2.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	4.86	3.5	-0.21	2.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	13.2	14	18.7	18.5	21	16.3	27.2	24	22.53	31	43.88
High Price	- -	- -	- -	- -	14.5	14	18.7	28	22.5	21	28.8	27.9	24.2	33.6	50
Enterprise Value Average	-73	-46	3	-24	320	160	435	493	358	57	215	327	-235	259	-477
Enterprise Value High	-73	-46	3	-24	346	176	469	597	408	128	272	367	-188	346	-477
Enterprise Value Low	-73	-46	3	-24	309	152	407	440	330	3	87	296	-311	183	-477

Shares Outstanding	14	14	14	14	14	- -	14	14	14	14	15	15	15	14	14
Diluted Weighted Avg Shares	10	10	10	10	18	14	14	15	15	15	15	15	15	15	- -
Basic Weighted Avg Shares	9	9	9	9	18	13	13	15	15	15	15	15	15	15	- -
Revenue per Share	0.71	1.06	0.96	1.33	0.18	4.32	4.82	4.28	4.7	5.86	7	7.99	8.98	10.28	- -
EBITDA per Share	-1.33	-0.96	-1.29	-1.03	0.02	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-1.61	-1.5	-1.64	-1.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.68	0.72	0.77	1.46	-0.02	1.13	1.21	1.65	1.73	2.16	3.01	3.22	4.05	4.99	- -
Basic EPS from Cont Ops	0.68	0.72	0.77	1.46	-0.02	1.19	1.26	1.65	1.73	2.16	3.01	3.22	4.05	4.99	- -
Diluted EPS, GAAP	0.61	0.65	0.69	1.3	-0.02	0.99	1.11	1.65	1.73	2.16	3.01	3.22	4.05	4.99	- -
Diluted EPS from Cont Ops	0.61	0.65	0.69	1.3	-0.02	1.03	1.15	1.65	1.73	2.16	3.01	3.22	4.05	4.99	- -
Dividend per Share	- -	- -	- -	- -	0.01	0.14	0.14	0.1	0.11	0.12	0.13	0.13	0.14	0.15	- -
Cash Flow per Share	0.78	0.77	0.8	0.85	0.01	1.78	1.36	1.93	2.14	3.14	3.66	4.35	4.71	4.21	- -
Free Cash Flow per Basic Share	0.61	0.59	0.7	0.5	-0.01	0.98	1.3	1.9	1.99	3.08	3.62	4.27	4.69	4.16	- -
Cash & Equivalents per Share	8.24	8.46	3.86	33.04	14.82	- -	6.81	5.17	4.67	13.17	10.91	9.88	36.85	10.11	- -
Book Value per Share	5.08	6.15	6.96	8.36	0.39	- -	14.1	14.44	16.05	18.13	21.01	24.13	27.76	32.69	- -
Tangible Book Value per Share	5.55	6.24	6.87	8.11	0.87	- -	14.01	14.34	16.2	18.39	20.9	23.79	28.04	32.95	- -

River City Bank

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)