Independent Bank (IBCP) 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 Independent Bank (IBCP) over the past year, gaining 41.9% versus a gain of 13.6%. Over five years, RCBC leads with a +95.2% price change compared with +62.0% for IBCP. River City Bank is the larger company by market cap ($764.8 million vs $732.4 million), about 1.0 times the size.
On valuation, Independent Bank trades at a lower forward P/E (9.2x vs 11.0x for River City Bank). Independent Bank offers the higher dividend yield (3.04% 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 | IBCP | RCBC |
|---|---|---|
| Share price | $35.55 | $54.65 |
| Market cap | $732.42M | $764.82M |
| 1-day change | -0.67% | -0.09% |
| YTD return | +9.28% | +24.54% |
| 1-year return | +13.58% | +41.95% |
| 5-year return | +62.03% | +95.18% |
| P/E ratio (TTM) | 10.36 | 11.65 |
| Forward P/E | 9.17 | 11.02 |
| EPS (TTM) | $3.43 | $4.69 |
| Dividend yield | 3.04% | 0.35% |
| Annual dividend | $1.08 | $0.19 |
| 52-week high | $39.24 | $55.77 |
| 52-week low | $29.83 | $38.20 |
| Distance from 52-week high | -9.40% | -2.01% |
| Analyst consensus | buy | none |
| Avg. price target upside | +13.08% | +2.47% |
| Average volume | 195.81K | 58.40K |
| Shares outstanding | 20.60M | 13.99M |
| Employees | 735 | — |
| 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
- RCBC has outperformed IBCP by 28.4 percentage points over the past year.
- Independent Bank offers a meaningfully higher dividend yield (3.04% vs 0.35%).
About Independent Bank
IBCP stock →Independent Bank Corporation operates as the bank holding company for Independent Bank that provides banking services in the United States. The company offers demand deposits, interest checking, money market accounts, savings accounts, and time certificates of deposit, including free checking accounts.
Financial Services · Banks - Regional · 735 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
IBCP vs RCBC FAQ
Which is bigger, Independent Bank or River City Bank?
River City Bank (RCBC) is larger, with a market capitalization of $764.82M compared with $732.42M for Independent Bank (IBCP).
Which stock has performed better over the past year, IBCP or RCBC?
RCBC returned +41.95% over the past 12 months, compared with +13.58% for IBCP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, IBCP or RCBC?
IBCP has the lower trailing P/E at 10.4, 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, Independent Bank or River City Bank?
Independent Bank has the higher yield at 3.04%, compared with 0.35% for River City Bank.
Are Independent Bank and River City Bank in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.