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Redwood Capital BancorpRWCB 62 Equity-to-Asset is 0.10 as of Jun. 2026, which is at its 10-year median of 0.10. GuruFocus rates RWCB with a GF Score™ of 62/100 and a GF Value™ of $26.03 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,518 Banks companies, Redwood Capital Bancorp ranks better than 54.41% on this metric.
Redwood Capital Bancorp (OTCPK:RWCB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Redwood Capital Bancorp Equity-to-Asset Related Terms
Redwood Capital Bancorp Equity-to-Asset Historical Data
* 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.
RWCB vs STBI, NTBP, HLFN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Redwood Capital Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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.
Redwood Capital Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Redwood Capital Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Redwood Capital Bancorp's Equity-to-Asset falls into.
Redwood Capital Bancorp Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Redwood Capital Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Redwood Capital Bancorp (RWCB) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Redwood Capital Bancorp and its competitors. This is near median its historical median of 0.10. Over the past decade, Redwood Capital Bancorp's Equity-to-Asset has ranged from 0.07 to 0.10. According to the industry distribution chart, Redwood Capital Bancorp ranks #692 out of 1518 companies in the Banks industry, placing it in the top 45.6%.
Is Redwood Capital Bancorp's Equity-to-Asset too high?
Redwood Capital Bancorp's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Redwood Capital Bancorp's value of 0.10 is 0% at this industry median. Based on the distribution chart, Redwood Capital Bancorp ranks #692 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Redwood Capital Bancorp has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Redwood Capital Bancorp's Equity-to-Asset compare to STBI and NTBP?
According to the Banks industry distribution chart, Redwood Capital Bancorp ranks #692 out of 1518 companies for Equity-to-Asset. This puts Redwood Capital Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Redwood Capital Bancorp's value of 0.10 is 0% at this benchmark. Historically, Redwood Capital Bancorp's own Equity-to-Asset has ranged from 0.07 to 0.10 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Redwood Capital Bancorp has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Redwood Capital Bancorp's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Redwood Capital Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Redwood Capital Bancorp's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Redwood Capital Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Redwood Capital Bancorp (RWCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.03, compared to a current price of $33.70 — trading 29.5% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. Redwood Capital Bancorp's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Redwood Capital Bancorp (RWCB), the current Equity-to-Asset is 0.10 as of Jun. 2026. 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 Redwood Capital Bancorp (RWCB) Overvalued in 2026?
Based on GuruFocus' analysis, Redwood Capital Bancorp stock appears to be overvalued.
The current stock price of $33.70 is trading 29.5% above its estimated GF Value™ of $26.03.
GuruFocus considers Redwood Capital Bancorp to be Modestly Overvalued.
Key valuation signals for RWCB:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: $26.03 vs. price of $33.70 (29.5% above fair value)
Industry Position: 0% at the Banks median (#692 of 1518)
No single metric tells the full story. See the RWCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Redwood Capital Bancorp through its subsidiary provides various banking products and services. The company offers commercial, industrial, agricultural, residential and personal credit and other banking services through its branches located in Eureka, Fortuna, and Arcata, California. The Company has determined that its business is comprised of a single operating segment. Redwood Capital Bank has two branches in Eureka, one in Fortuna and one in Arcata, California.
62GF Score
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