River City Bank
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
14.4413.8111.8114.7911.2112.127.559.027.445.56N/A12.12
Price/Sales ratio
3.673.663.003.433.463.332.263.612.762.77N/A3.33
Price/Book Value ratio
1.081.031.031.331.281.290.881.301.000.80N/A1.29
Price/Cash Flow ratio
8.649.188.1813.959.6710.135.677.155.564.77N/A10.13
Price/Free Cash Flow ratio
8.829.4815.2314.619.8210.885.797.215.664.79N/A10.88
Price/Earnings Growth ratio
4.652.550.332.210.362.400.300.221.070.21N/A2.40
Dividend Yield
0.89%0.97%0.99%0.75%0.56%0.53%0.73%0.46%0.55%0.62%N/A0.56%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%53.62%N/A100%
Operating Profit Margin
46.99%48.23%44.12%50.88%44.54%38.73%42.99%57.67%52.91%76.68%N/A38.73%
Pretax Profit Margin
44.69%46.35%42.67%50.04%43.72%38.39%42.34%56.66%52.07%70.36%N/A38.39%
Net Profit Margin
25.42%26.52%25.47%23.24%30.92%27.52%30.03%40.04%37.1%49.80%N/A27.52%
Effective Tax Rate
39.55%39.40%40.30%53.53%29.27%28.29%29.07%29.33%28.74%29.22%151.35%29.27%
Return on Assets
0.87%0.78%0.82%0.81%1.08%0.99%0.95%1.21%1.17%1.22%N/A0.99%
Return On Equity
7.53%7.50%8.73%9.02%11.50%10.69%11.73%14.42%13.54%14.44%1.41%10.69%
Return on Capital Employed
1.61%1.41%4.36%5.83%5.36%6.39%7.65%9.88%6.66%13.05%N/A6.39%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
94.83187.440.040.060.050.050.140.120.100.12N/A0.05
Cash ratio
94.83187.440.020.040.040.030.070.050.040.12N/A0.03
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.040.030.170.150.12N/A0.00N/AN/A0.01N/AN/A
Debt Equity Ratio
0.350.321.881.681.26N/A0.05N/AN/A0.12N/AN/A
Long-term Debt to Capitalization
0.250.240.230.210.19N/A0.02N/AN/AN/AN/AN/A
Total Debt to Capitalization
0.250.240.650.620.55N/A0.04N/AN/A0.10N/AN/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
0.350.340.060.050.10N/A2.99N/AN/A1.39N/AN/A
Company Equity Multiplier
8.619.6110.6411.0310.5810.7612.3411.8711.4811.83N/A10.76
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.420.390.360.240.350.320.390.500.490.57N/A0.32
Free Cash Flow / Operating Cash Flow Ratio
0.970.960.530.950.980.930.970.990.980.99N/A0.93
Cash Flow Coverage Ratio
0.350.340.060.050.10N/A2.99N/AN/A1.39N/AN/A
Short Term Coverage Ratio
N/AN/A0.070.060.13N/A6.92N/AN/A1.39N/AN/A
Dividend Payout Ratio
12.92%13.46%11.75%11.22%6.30%6.46%5.56%4.18%4.09%3.46%N/A6.46%