Financial Institutions (FISI) vs River City Bank (RCBC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
River City Bank (RCBC) has outperformed Financial Institutions (FISI) over the past year, gaining 41.9% versus a gain of 41.6%. Over five years, RCBC leads with a +95.2% price change compared with +22.4% for FISI. River City Bank is the larger company by market cap ($764.8 million vs $762.8 million), about 1.0 times the size.
On valuation, Financial Institutions trades at a lower forward P/E (9.0x vs 11.0x for River City Bank). Financial Institutions offers the higher dividend yield (3.25% vs 0.35%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FISI | RCBC |
|---|---|---|
| Share price | $38.71 | $54.65 |
| Market cap | $762.83M | $764.82M |
| 1-day change | -1.45% | -0.09% |
| YTD return | +24.19% | +24.54% |
| 1-year return | +41.59% | +41.95% |
| 5-year return | +22.38% | +95.18% |
| P/E ratio (TTM) | 9.61 | 11.65 |
| Forward P/E | 9.00 | 11.02 |
| EPS (TTM) | $4.03 | $4.69 |
| Dividend yield | 3.25% | 0.35% |
| Annual dividend | $1.26 | $0.19 |
| 52-week high | $42.97 | $55.77 |
| 52-week low | $25.61 | $38.20 |
| Distance from 52-week high | -9.91% | -2.01% |
| Analyst consensus | none | none |
| Avg. price target upside | +16.25% | +2.47% |
| Average volume | 144.84K | 58.40K |
| Shares outstanding | 19.71M | 13.99M |
| Employees | 631 | — |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Financial Institutions offers a meaningfully higher dividend yield (3.25% vs 0.35%).
About Financial Institutions
FISI stock →Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts.
Financial Services · Banks - Regional · 631 employees
About River City Bank
RCBC stock →River City Bank, together with its subsidiaries, provides various banking products and services. The company offers checking, savings, and term certificate accounts.
Financial Services · Banks - Regional
FISI vs RCBC FAQ
Which is bigger, Financial Institutions or River City Bank?
River City Bank (RCBC) is larger, with a market capitalization of $764.82M compared with $762.83M for Financial Institutions (FISI).
Which stock has performed better over the past year, FISI or RCBC?
RCBC returned +41.95% over the past 12 months, compared with +41.59% for FISI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FISI or RCBC?
FISI has the lower trailing P/E at 9.6, versus 11.7 for RCBC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Financial Institutions or River City Bank?
Financial Institutions has the higher yield at 3.25%, compared with 0.35% for River City Bank.
Are Financial Institutions and River City Bank in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.