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Riverbank Hldg CoRBNK 67 Debt-to-Equity is 0.17 as of Dec. 2025, which is 15% below its 10-year median of 0.20. GuruFocus rates RBNK with a GF Score™ of 67/100 and a GF Value™ of $27.12 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,414 Banks companies, Riverbank Hldg Co ranks better than 80.76% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Riverbank Hldg Co's Debt-to-Equity or its related term are showing as below:
RBNK'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.17 Med: 0.2 Max: 0.4
Current: 0.17
During the past 7 years, the highest Debt-to-Equity Ratio of Riverbank Hldg Co was 0.40. The lowest was 0.17. And the median was 0.20.
RBNK's Debt-to-Equity is ranked better than 80.76% of 1414
companies
in the Banks industry
Industry Median: 0.58
vs RBNK: 0.17
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Riverbank Hldg Co Debt-to-Equity Related Terms
Riverbank Hldg Co Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Riverbank Hldg Co's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
RBNK vs FBPA, CNBZ, PWBK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Riverbank Hldg Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Riverbank Hldg Co Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Riverbank Hldg Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Riverbank Hldg Co's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Riverbank Hldg Co (RBNK) has a Debt-to-Equity of 0.17 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Riverbank Hldg Co and its competitors. This is 15% below median its historical median of 0.20. Over the past decade, Riverbank Hldg Co's Debt-to-Equity has ranged from 0.17 to 0.40. According to the industry distribution chart, Riverbank Hldg Co ranks #272 out of 1414 companies in the Banks industry, placing it in the top 19.2%.
Is Riverbank Hldg Co's Debt-to-Equity too high?
Riverbank Hldg Co's current Debt-to-Equity of 0.17 is 15% below median its 10-year median of 0.20. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.40. The Banks industry median Debt-to-Equity is 0.58. Riverbank Hldg Co's value of 0.17 is 70.7% below this industry median. Based on the distribution chart, Riverbank Hldg Co ranks #272 out of 1414 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Riverbank Hldg Co has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Riverbank Hldg Co's Debt-to-Equity compare to FBPA and CNBZ?
According to the Banks industry distribution chart, Riverbank Hldg Co ranks #272 out of 1414 companies for Debt-to-Equity. This places Riverbank Hldg Co in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Riverbank Hldg Co's value of 0.17 is 70.7% below this benchmark. Historically, Riverbank Hldg Co's own Debt-to-Equity has ranged from 0.17 to 0.40 over the past decade. While the company's 10-year median is 0.20 vs. the industry median of 0.58, Riverbank Hldg Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Riverbank Hldg Co's current Debt-to-Equity of 0.17 is 70.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Riverbank Hldg Co and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Riverbank Hldg Co's current Debt-to-Equity is 0.17, which is 15% below median its own 10-year median of 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Riverbank Hldg Co stock overvalued right now?
Based on GuruFocus' analysis, Riverbank Hldg Co (RBNK) is currently considered Modestly Overvalued. The stock's GF Value™ is $27.12, compared to a current price of $31.00 — trading 14.3% above its estimated fair value. The current Debt-to-Equity is 0.17, which is 15% below median its 10-year median of 0.20 and 70.7% below the Banks industry median of 0.58. Riverbank Hldg Co's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Riverbank Hldg Co (RBNK), the current Debt-to-Equity is 0.17 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Riverbank Hldg Co (RBNK) Overvalued in 2026?
Based on GuruFocus' analysis, Riverbank Hldg Co stock appears to be overvalued.
The current stock price of $31.00 is trading 14.3% above its estimated GF Value™ of $27.12.
GuruFocus considers Riverbank Hldg Co to be Modestly Overvalued.
Key valuation signals for RBNK:
Debt-to-Equity: 0.17 (15% below median its 10-year median of 0.20)
GF Value™: $27.12 vs. price of $31.00 (14.3% above fair value)
Industry Position: 70.7% below the Banks median (#272 of 1414)
No single metric tells the full story. See the RBNK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Riverbank Hldg Co is a community bank. The Bank provides a full range of banking services to its commercial and consumer customers serving Spokane, Washington, and the Inland Northwest. The services provided by the bank are business lending, personal lending, SBA lending, digital banking, and other services.
67GF Score
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