RIVER CITY BANK |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 272 USD | +4.61% |
|
+6.66% | +20.75% |
| Apr. 25 | River City Bank Declares Quarterly Dividend, Payable on May 21, 2024 | CI |
| Apr. 24 | River City Bank Reports Earnings Results for the Full Year Ended December 31, 2023 | CI |
Valuation
| Fiscal Period: December | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Capitalization 1 | 269.5 | 306.7 | 239.5 | 402.2 | 357 | 332.3 |
| Enterprise Value (EV) 1 | 462.3 | 414.5 | 314.7 | 208.6 | 177.3 | -277.4 |
| P/E ratio | 11.2 x | 12.1 x | 7.55 x | 9.02 x | 7.45 x | 5.56 x |
| Yield | - | - | - | - | 0.56% | 0.63% |
| Capitalization / Revenue | 4.53 x | 4.89 x | 3.26 x | 4.33 x | 3.56 x | 2.74 x |
| EV / Revenue | 7.77 x | 6.61 x | 4.28 x | 2.25 x | 1.77 x | -2.29 x |
| EV / EBITDA | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - |
| Price to Book | 1.27 x | 1.28 x | 0.87 x | 1.28 x | 0.99 x | 0.78 x |
| Nbr of stocks (in thousands) | 1,457 | 1,460 | 1,469 | 1,479 | 1,487 | 1,475 |
| Reference price 2 | 185.0 | 210.0 | 163.0 | 272.0 | 240.0 | 225.2 |
| Announcement Date | 1/28/19 | 1/27/20 | 1/27/21 | 1/27/22 | 1/26/23 | 4/24/24 |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Net sales 1 | 59.51 | 62.73 | 73.45 | 92.8 | 100.2 | 121.2 |
| EBITDA | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - |
| Operating Margin | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 33.94 | 35.3 | 44.59 | 62.94 | 67.12 | 85.26 |
| Net income 1 | 24 | 25.31 | 31.63 | 44.48 | 47.82 | 60.34 |
| Net margin | 40.34% | 40.35% | 43.06% | 47.92% | 47.75% | 49.8% |
| EPS 2 | 16.50 | 17.33 | 21.58 | 30.14 | 32.22 | 40.49 |
| Free Cash Flow | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - |
| Dividend per Share | - | - | - | - | 1.340 | 1.420 |
| Announcement Date | 1/28/19 | 1/27/20 | 1/27/21 | 1/27/22 | 1/26/23 | 4/24/24 |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Net Debt 1 | 193 | 108 | 75.2 | - | - | - |
| Net Cash position 1 | - | - | - | 194 | 180 | 610 |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 12.2% | 11.4% | 12.5% | 15.4% | 14.5% | 15.7% |
| ROA (Net income/ Total Assets) | 1.13% | 1.07% | 1.08% | 1.27% | 1.24% | 1.34% |
| Assets 1 | 2,122 | 2,376 | 2,934 | 3,490 | 3,849 | 4,487 |
| Book Value Per Share 2 | 146.0 | 165.0 | 186.0 | 212.0 | 241.0 | 288.0 |
| Cash Flow per Share 2 | 46.50 | 17.30 | 134.0 | 111.0 | 100.0 | 378.0 |
| Capex 1 | 0.43 | 2.1 | 0.86 | 0.49 | 1.15 | 0.3 |
| Capex / Sales | 0.72% | 3.34% | 1.17% | 0.52% | 1.14% | 0.24% |
| Announcement Date | 1/28/19 | 1/27/20 | 1/27/21 | 1/27/22 | 1/26/23 | 4/24/24 |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Change in Enterprise Value/EBITDA
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