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RCBC

River City BankB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Core pre-tax, pre-provision income rose 15% sequentially, deposits supported loan growth, and the bank reported no nonperforming loans at September 30. These support a constructive operating view, though not extrapolation of the swap-driven reported EPS.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -1.8.
What can break
Commercial real-estate loans accounted for $385 million of the $412 million year-over-year loan increase, creating concentration risk despite currently clean reported credit metrics. [#PR-2026-10-23] Company Q3 release
Momentum
87
Value
58
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $56.00 · Bull $64.00 · Bear $47.00Analysis 2026-10-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $58.25
Why
Momentum87 · Δ7d -0.9
Value58 · Δ7d -1.8
Sentiment54 · Δ7d -4.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -1.8.

Contradictions & invalidation

  • • Commercial real-estate loans accounted for $385 million of the $412 million year-over-year loan increase, creating concentration risk despite currently clean reported credit metrics. [#PR-2026-10-23] Company Q3 release
  • • Recent IPO trading history, thin analyst-target coverage and unverified post-print revisions limit valuation confidence.
  • • Adjusted EPS of $1.29 was below $1.43 a year earlier, while the provision increased.

Catalyst clock

2026-10-26

Q3 earnings webcast and core-earnings clarification

Lead driver: Value · See fundamentals
Momentum
87
8% active weight
Current posture
7d trendFlat
Δ7d
-0.9
Δ21d
+0.3
Value
58
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.8
Δ21d
-1.4
Sentiment
54
45% active weight
Current posture
7d trendSoftening
Δ7d
-4.4
Δ21d
-
Why this grade

Composite grade B. Momentum 86.6 / Value 58.2 / Sentiment 54.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method

B+
Bull case
25%
Probability
Target price
$64.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$56.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$47.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$819.04M
Beta
-
Shares Out
14.2M
P/E (TTM) · Derived
12.3
P/S (TTM)
-
P/FCF (TTM)
-
Rev YoY
+6.1%
EPS YoY
+30.0%
Gross Margin
-
Op Margin
+37.0%
Net Debt
-$450.91M
Current Ratio
0.08
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data