Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 25.13% is 66% above its 3-year average of 15.15%, near the high end of its 3-year range (0.00%–27.20%).
1.72% below its 12-month average of 25.57%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 24.97%.
NET PROFIT MARGIN
25.13%
NET PROFIT MARGIN AVG TTM
25.57%
NET PROFIT MARGIN AVG 3Y
16.83%
NET PROFIT MARGIN AVG 5Y
15.15%
NET PROFIT MARGIN AVG 10Y
15.15%
NET PROFIT MARGIN AVG 15Y
16.20%
NET PROFIT MARGIN AVG 20Y
15.61%
CURRENT VS TTM AVG
-1.72%
CURRENT VS 3Y AVG
+49.30%
CURRENT VS 5Y AVG
+65.89%
CURRENT VS 10Y AVG
+65.89%
CURRENT VS 15Y AVG
+55.11%
CURRENT VS 20Y AVG
+60.94%
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+90.31%
vs the sector median at left
River City Bank
Market Cap
$787.88M
Net Profit Margin
25.13%
TTM Avg
25.57%
3Y Avg
16.83%
5Y Avg
15.15%
Market Cap
$788.83M
Net Profit Margin
23.23%
TTM Avg
20.90%
3Y Avg
19.88%
5Y Avg
25.02%
Market Cap
$782.81M
Net Profit Margin
11.11%
TTM Avg
8.32%
3Y Avg
14.19%
5Y Avg
15.50%
Market Cap
$773.28M
Net Profit Margin
26.18%
TTM Avg
2.02%
3Y Avg
10.66%
5Y Avg
16.34%
Market Cap
$805.64M
Net Profit Margin
7.88%
TTM Avg
5.98%
3Y Avg
4.82%
5Y Avg
4.03%
Market Cap
$764.34M
Net Profit Margin
-19.43%
TTM Avg
-9.16%
3Y Avg
-4.11%
5Y Avg
2.38%
Market Cap
$812.04M
Net Profit Margin
24.06%
TTM Avg
15.30%
3Y Avg
16.87%
5Y Avg
19.23%
Market Cap
$813.16M
Net Profit Margin
8.33%
TTM Avg
5.29%
3Y Avg
8.30%
5Y Avg
12.36%
Market Cap
$817.02M
Net Profit Margin
-149.35%
TTM Avg
-49.38%
3Y Avg
-21.86%
5Y Avg
33.90%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| River City Bank (RCBC) | $787.88M | 25.13% | 25.57% | 16.83% | 15.15% |
| Southern Missouri Bancorp, Inc. (SMBC)vs › | $788.83M | 23.23% | 20.90% | 19.88% | 25.02% |
| Peapack-Gladstone Financial Corporation (PGC)vs › | $782.81M | 11.11% | 8.32% | 14.19% | 15.50% |
| Financial Institutions, Inc. (FISI)vs › | $773.28M | 26.18% | 2.02% | 10.66% | 16.34% |
| GCM Grosvenor Inc. (GCMG)vs › | $805.64M | 7.88% | 5.98% | 4.82% | 4.03% |
| PRA Group, Inc. (PRAA)vs › | $764.34M | -19.43% | -9.16% | -4.11% | 2.38% |
| Orrstown Financial Services, Inc. (ORRF)vs › | $812.04M | 24.06% | 15.30% | 16.87% | 19.23% |
| Alerus Financial Corporation (ALRS)vs › | $813.16M | 8.33% | 5.29% | 8.30% | 12.36% |
| Oxford Lane Capital Corp. (OXLCO)vs › | $817.02M | -149.35% | -49.38% | -21.86% | 33.90% |
| Armada Acquisition Corp. II (XRPN)vs › | $757.82M | 0.00% | 0.00% | 0.00% | 0.00% |
Operating Margin
34.7%
Net Profit Margin
25.1%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 24.97% |
| 2026-03-31 | 23.64% |
| 2025-12-31 | 24.93% |
| 2025-09-30 | 27.10% |
| 2025-06-30 | 27.20% |
| 2025-03-31 | 23.64% |
| 2023-12-31 | 0.00% |
| 2023-09-30 | 0.00% |
| 2023-06-30 | 0.00% |
| 2023-03-31 | 0.00% |
| 2013-12-31 | 26.73% |
| 2010-03-31 | 7.39% |
| 2006-12-31 | 138.88% |
| 2006-09-30 | -97.04% |
| 2006-06-30 | 17.39% |
| 2006-03-31 | -58.25% |
| 2005-12-31 | 117.16% |
| 2005-09-30 | -103.97% |
| 2005-06-30 | -282.86% |
| 2005-03-31 | -691.18% |
