RBNK (Riverbank Hldg Co) Moat Score: 2/10 (As of Jul. 05, 2026)


RBNK Riverbank Hldg Co RBNK
62 GF Score
Price $28.50
GF Value $26.66
Valuation Fairly Valued
! 4 Warning Signs
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What is Riverbank Hldg Co Moat Score?

Riverbank Hldg Co RBNK 62 Moat Score is 2 as of Jul. 05, 2026. GuruFocus rates RBNK with a GF Score™ of 62/100 and a GF Value™ of $26.66 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,612 Banks companies, Riverbank Hldg Co ranks better than 59.86% on this metric.

Riverbank Hldg Co has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Riverbank Hldg Co has No Moat: Riverbank Hldg Co operates in a competitive financial sector with limited market share and no significant network effects or customer switching costs. The company lacks strong brand strength, durable cost advantages, or significant regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Riverbank Hldg Co might have No Moat - Very weak/transient advantages.

Riverbank Hldg Co  (OTCPK:RBNK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Riverbank Hldg Co Moat Score Related Terms

RBNK vs JFWV, WOBK, FBPA: Moat Score Comparison

For the Banks - Regional subindustry, Riverbank Hldg Co's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Riverbank Hldg Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Riverbank Hldg Co's Moat Score falls into.


RBNK
62GF Score
Riverbank Hldg Co RBNK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Riverbank Hldg Co (RBNK) has a Moat Score of 2 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Riverbank Hldg Co ranks #647 out of 1612 companies in the Banks industry, placing it in the top 40.1%.
Is Riverbank Hldg Co's Moat Score too high?
Riverbank Hldg Co's current Moat Score is 2. Based on the distribution chart, Riverbank Hldg Co ranks #647 out of 1612 companies in the Banks industry, which is above 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 Moat Score compare to JFWV and WOBK?
According to the Banks industry distribution chart, Riverbank Hldg Co ranks #647 out of 1612 companies for Moat Score. This puts Riverbank Hldg Co in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Riverbank Hldg Co's current Moat Score is 2. 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 $26.66, compared to a current price of $28.50 — trading 6.9% above its estimated fair value. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Riverbank Hldg Co (RBNK), the current Moat Score is 2 as of Jul. 05, 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 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 6.9% above its estimated GF Value™ of $26.66. GuruFocus considers Riverbank Hldg Co to be Fairly Valued.

Key valuation signals for RBNK:

  • Moat Score: 2
  • GF Value™: $26.66 vs. price of $28.50 (6.9% above fair value)
  • GF Score™: 62/100 with 4 warning signs

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 Business Description

Address 202 East Spokane Falls Boulevard, Suite 400, Spokane, WA, USA, 99202
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.50
Price
$26.66
GF Value