Riverbank Hldg CoRBNK 62 FCF Margin % is 20.20% as of Dec. 2025, which is 5% below its 10-year median of 21.18. GuruFocus rates RBNK with a GF Score™ of 62/100 and a GF Value™ of $26.59 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Riverbank Hldg Co ranks worse than 58.11% on this metric.
The historical rank and industry rank for Riverbank Hldg Co's FCF Margin % or its related term are showing as below:
RBNK'
s FCF Margin % Range Over the Past 10 Years
Min: 8.95 Med: 21.18 Max: 27.47
Current: 20.2
During the past 7 years, the highest FCF Margin % of Riverbank Hldg Co was 27.47%. The lowest was 8.95%. And the median was 21.18%.
RBNK's FCF Margin % is ranked worse than 58.11% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs RBNK: 20.20
Riverbank Hldg Co FCF Margin % Related Terms
Riverbank Hldg Co FCF Margin % Historical Data
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The historical data trend for Riverbank Hldg Co's FCF Margin % 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.
For the Banks - Regional subindustry, Riverbank Hldg Co's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Riverbank Hldg Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Riverbank Hldg Co's FCF Margin % 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 FCF Margin % of 20.20% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Riverbank Hldg Co and its competitors. This is near median its historical median of 21.18. Over the past decade, Riverbank Hldg Co's FCF Margin % has ranged from 8.95 to 27.47. According to the industry distribution chart, Riverbank Hldg Co ranks #874 out of 1504 companies in the Banks industry, placing it in the top 58.1%.
Is Riverbank Hldg Co's FCF Margin % too high?
Riverbank Hldg Co's current FCF Margin % of 20.20% is near median its 10-year median of 21.18. Over the past 10 years, this metric has ranged from a low of 8.95 to a high of 27.47. The Banks industry median FCF Margin % is 26.50. Riverbank Hldg Co's value of 20.20% is 23.8% below this industry median. Based on the distribution chart, Riverbank Hldg Co ranks #874 out of 1504 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to JFWV and WOBK?
According to the Banks industry distribution chart, Riverbank Hldg Co ranks #874 out of 1504 companies for FCF Margin %. This places Riverbank Hldg Co in the lower half of its industry. The industry median FCF Margin % is 26.50. Riverbank Hldg Co's value of 20.20% is 23.8% below this benchmark. Historically, Riverbank Hldg Co's own FCF Margin % has ranged from 8.95 to 27.47 over the past decade. While the company's 10-year median is 21.18 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Riverbank Hldg Co's current FCF Margin % of 20.20% is 23.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Riverbank Hldg Co and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Riverbank Hldg Co's current FCF Margin % is 20.20%, which is near median its own 10-year median of 21.18. 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 $26.59, compared to a current price of $28.50 — trading 7.2% above its estimated fair value. The current FCF Margin % is 20.20%, which is near median its 10-year median of 21.18 and 23.8% below the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Riverbank Hldg Co (RBNK), the current FCF Margin % is 20.20% 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 $28.50 is trading 7.2% above its estimated GF Value™ of $26.59.
GuruFocus considers Riverbank Hldg Co to be Fairly Valued.
Key valuation signals for RBNK:
FCF Margin %: 20.20% (near median its 10-year median of 21.18)
GF Value™: $26.59 vs. price of $28.50 (7.2% above fair value)
Industry Position: 23.8% below the Banks median (#874 of 1504)
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
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