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Riverbank Hldg Co (OTCPK:RBNK) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Riverbank Hldg Co Effective Interest Rate on Debt % Related Terms
Riverbank Hldg Co Effective Interest Rate on Debt % Historical Data
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The historical data trend for Riverbank Hldg Co's Effective Interest Rate on Debt % 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.
Riverbank Hldg Co Effective Interest Rate on Debt % Chart
RBNK vs FBPA, CNBZ, PWBK: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Riverbank Hldg Co's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Riverbank Hldg Co's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Riverbank Hldg Co's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is one times the annual (Dec. 2025) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 106.68% mean?
Riverbank Hldg Co (RBNK) has a Effective Interest Rate on Debt % of 106.68% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Riverbank Hldg Co and its competitors.
Is Riverbank Hldg Co's Effective Interest Rate on Debt % too high?
Riverbank Hldg Co's current Effective Interest Rate on Debt % is 106.68%. Overall, Riverbank Hldg Co has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Riverbank Hldg Co's Effective Interest Rate on Debt % compare to FBPA and CNBZ?
Riverbank Hldg Co's Effective Interest Rate on Debt % of 106.68% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Riverbank Hldg Co and its competitors. Riverbank Hldg Co's current Effective Interest Rate on Debt % is 106.68%. 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 Fairly Valued. The stock's GF Value™ is $26.87, compared to a current price of $29.10 — trading 8.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 106.68%. Riverbank Hldg Co's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Riverbank Hldg Co (RBNK), the current Effective Interest Rate on Debt % is 106.68% 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 $29.10 is trading 8.3% above its estimated GF Value™ of $26.87.
GuruFocus considers Riverbank Hldg Co to be Fairly Valued.
Key valuation signals for RBNK:
Effective Interest Rate on Debt %: 106.68%
GF Value™: $26.87 vs. price of $29.10 (8.3% above fair value)
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.
62GF Score
Get the complete analysis for RBNK
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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