MARKET WIREYahoo Finance • 12h 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 slipped -1.29% Today — RQD Quant Desk Flash
$57.99 -1.29% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $57.75
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 $834.2M
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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 2026-11-02, 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 $57.99 (-1.29% 1D, market cap $834.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, RCBC ranks #412 in composite RQD confidence.
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🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does RCBC compare to SPFI 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, SPFI (South Plains Financial Inc.) holds a B- grade (70/100 RQD, P/E 14.2x, ROIC 11.8%, cap $832.5M) and SMBK (SmartFinancial Inc.) posts a C grade (63/100 RQD, P/E 16.7x, ROIC 9.1%, cap $839.0M). 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 #412 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: $57.75 (-0.42%)🧬 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: ±5.7%
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 (±5.7% 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-$55.94-5% Next Q
53
Q2 (-2Q)Grade C$53.12+6.7% Next Q
56
Q3 (-1Q)Grade C$56.70+2.3% Next Q
58
CurrentGrade C-$57.99+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 ($53.37) or 200D SMA ($45.89) invalidates the momentum regime and cuts Target Base ($58.77) toward Bear Floor ($45.84).
🎲 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 slipped -1.29% Today — RQD Quant Desk Flash
River City Bank (RCBC) slipped -1.29% to $57.99, trading at 94% 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 94% of its 52-week range ($38.76 – $59.25) with RSI-14 at 69.5 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.7% around $57.99 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $23.4M annual free cash flow.
Live RCBC Headlines & Catalysts
MARKET WIRETradingView • 15h ago
River City Bank Q3 Earnings Call HighlightsTradingView report covering River City Bank (RCBC) market action, institutional positioning, and fundamental catalysts.
MARKET WIREYahoo Finance • 18h 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 • 21h 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 • 6d 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.
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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
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RCBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +40.45%▲ ASCENDING CHANNEL
2026-11-02O $58.93H $58.93L $57.99C $57.99VOL 68.1K
RES: $61.21SUP: $53.47SMA50: $53.37SMA200: $45.89
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
RCBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
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 (#33)
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 #412 of 1096
⚔️ SPFI vs RCBC Full Matrix →
1. Head-to-Head Financials Peer Comparison (RCBC vs. SPFI, SMBK, ALRS, IBCP)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, River City Bank (RCBC) ranks #412 by composite RQD confidence (61/100, grade C-) and #589 by equity capitalization ($834.2M). 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 73/100 (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 | — | — | — | -1.29% | $834.2M | Benchmark Subject |
| SPFI South Plains Financial Inc. | B- | 70/100 | 14.2x | — | 11.8% | -0.41% | $832.5M | /spfi-vs-rcbc → |
| SMBK SmartFinancial Inc. | C | 63/100 | 16.7x | — | 9.1% | -1.22% | $839.0M | /smbk-vs-rcbc → |
| ALRS Alerus Financial Corporation | C | 63/100 | 47.2x | — | 3.1% | +0.42% | $823.4M | /alrs-vs-rcbc → |
| IBCP Independent Bank Corporation | B | 73/100 | 12.0x | — | 13.6% | -1.43% | $819.2M | /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 $834.2M, 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 2026-11-02, 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 $57.99 (-1.29% 1D, market cap $834.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, RCBC ranks #412 in composite RQD confidence.
How does RCBC compare to SPFI 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, SPFI (South Plains Financial Inc.) holds a B- grade (70/100 RQD, P/E 14.2x, ROIC 11.8%, cap $832.5M) and SMBK (SmartFinancial Inc.) posts a C grade (63/100 RQD, P/E 16.7x, ROIC 9.1%, cap $839.0M). 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 #412 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 $57.99 (-1.29% on volume of 54,305 shares), positioning the stock +8.66% above its 50-day simple moving average ($53.37) and +26.37% above its 200-day simple moving average ($45.89). Across its 52-week range of $38.76 to $59.25, RCBC sits at the 93.9% percentile with a 14-day RSI of 69.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.7% ($54.68 to $61.30).
RCBC Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is RCBC stock moving today?
Why RCBC Stock slipped -1.29% Today — RQD Quant Desk Flash. Solid steady margins (steady margins), mixed timing at current multiples—hold if owned, no rush to chase.
ROARABLE RATING BRIEF • RQD 61/100 (C-)
✓ STAGE-C NUMBER FIREWALL VERIFIED
RCBC — River City Bank: What the Facts Mean to a Prospective Investor
Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T14:14:41Z
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, RCBC scores 61 out of 100, graded C- and labeled "Roarable Hold — Cautious Neutral." The five pillars are: Fundamental Cash Engine at 11 of 20 (ROIC 0%; FCF yield 0%), Whale 13F Flow at 15 of 20 (institutional accumulation and options positioning), Insider Conviction at 9 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 13 of 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13 of 20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5).
For a prospective investor, the pillar mix points to a stock whose strongest support comes from institutional positioning and balance-sheet metrics, while its weakest signal is insider conviction. The cash-engine score is the lowest of the stronger-than-neutral components, and the market data reports ROIC and FCF yield at 0%, which limits the rating's upside case on a cash-generation basis. The Beta of 1.0 places the stock in line with broad market sensitivity under the Macro pillar. The overall "Cautious Neutral" label reflects a balanced, not directional, read: the forensic and institutional components offer some support, while the absence of reported cash-flow returns and the modest insider signal temper enthusiasm. Valuation tradeoffs cannot be fully assessed because P/E and EV/EBITDA are not available in source data.
Business
River City Bank (RCBC) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry, per the Profile section. The Profile describes the company's market capitalization as $0.8B. Specific products, customer segments, and revenue mechanics are not available in source data.
Recent Catalysts & News Wire Analysis
Per the recent news and catalysts section, six items reference RCBC, all sourced from aggregator feeds and tagged with relative timestamps:
- A Yahoo Finance item headlined "River City Bank (RCBC) Stock Can Strong Q3 Earnings Silence Long Term Doubts," flagged YELLOW as a market wire item.
- A TradingView item titled "River City Bank Q3 Earnings Call Highlights," flagged YELLOW.
- A Yahoo Finance item comparing Q3 results to estimates, flagged YELLOW.
- A GuruFocus item headlined "River City Bank (RCBC) Marks Nasdaq Debut Amid Strong Q3 Growth," flagged GREEN as a catalyst, the only positive-light item in the set.
- A marketscreener.com item reporting "Adjusted EPS $1.29 per Share" for Q3, flagged YELLOW.
- A Benzinga item titled "River City Bank Q3 2026 Earnings Call Transcript," flagged YELLOW.
Risk watch items: the Yahoo headline references "long term doubts," indicating a stated skepticism theme, though the underlying content is not available in source data. The predominance of YELLOW flags suggests mixed or neutral market-wire tone. Per the Butterfly Supply-Chain Graph, no proprietary signals are recorded.
Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples
Per the Butterfly Supply-Chain Graph, supply chain is listed as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are not available in source data. The sector (Financials) and industry (Major Banks) are recorded, but no inter-company linkages are provided.
Open Questions
- What are RCBC's reported revenue, operating income, net income, and EPS across recent periods, given that the financials section is empty?
- What are the trailing and forward P/E and EV/EBITDA multiples, which would allow valuation tradeoffs to be assessed?
- What is the content behind the "long term doubts" theme in the Q3 earnings coverage, and what do the Q3 adjusted EPS and estimate comparisons actually show?
- Who are the institutional and insider holders behind the RQD 13F and Form 4 pillar scores, given that the holders section is empty?
- What analyst consensus rating and price targets exist for RCBC?
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 • 12h 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 • 15h 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 • 18h 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 • 21h 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 $57.99?
🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RCBC 🐻 50% BEARISH CONVICTION
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST
🎯 Target: $63.45 (+8.0%)
📌 Pinned Debate 🔥 Official Bull vs. Bear Debate: Is RCBC (C- • RQD 61/100) a Buy at $58.75?
Welcome to the RCBC (River City Bank) Roar Pit. Current RQD Composite is 61/100 (Roarable Hold — Cautious Neutral) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH
🎯 Target: $44.65 (-24.0%)
Spot @ $58.75 Pump the brakes on RCBC — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on RCBC, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless River City Bank expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
MI MidwestValue Verified K Arena Trader 🐂 BULLISH
🎯 Target: $68.74 (+17.0%)
Spot @ $58.75 RCBC cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on RCBC, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $58.75 (52-wk range $38.76 - $59.25), any beat on forward guidance forces shorts and underweight funds to chase.