Riverbank Hldg CoRBNK 62 Net Margin % is 26.18% as of Dec. 2025, which is 37% above its 10-year median of 19.17. 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 1,526 Banks companies, Riverbank Hldg Co ranks worse than 52.29% on this metric.
The historical rank and industry rank for Riverbank Hldg Co's Net Margin % or its related term are showing as below:
RBNK'
s Net Margin % Range Over the Past 10 Years
Min: 9.11 Med: 19.17 Max: 26.18
Current: 26.18
RBNK's Net Margin % is ranked worse than 52.29% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs RBNK: 26.18
Riverbank Hldg Co (OTCPK:RBNK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Riverbank Hldg Co Net Margin % Related Terms
Riverbank Hldg Co Net Margin % Historical Data
* Premium members only.
The historical data trend for Riverbank Hldg Co's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Riverbank Hldg Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Riverbank Hldg Co's Net 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 Net Margin % of 26.18% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Riverbank Hldg Co and its competitors. This is 37% above median its historical median of 19.17. Over the past decade, Riverbank Hldg Co's Net Margin % has ranged from 9.11 to 26.18. According to the industry distribution chart, Riverbank Hldg Co ranks #798 out of 1526 companies in the Banks industry, placing it in the top 52.3%.
Is Riverbank Hldg Co's Net Margin % too high?
Riverbank Hldg Co's current Net Margin % of 26.18% is 37% above median its 10-year median of 19.17. Over the past 10 years, this metric has ranged from a low of 9.11 to a high of 26.18. The Banks industry median Net Margin % is 26.97. Riverbank Hldg Co's value of 26.18% is 2.9% below this industry median. Based on the distribution chart, Riverbank Hldg Co ranks #798 out of 1526 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 Net Margin % compare to JFWV and WOBK?
According to the Banks industry distribution chart, Riverbank Hldg Co ranks #798 out of 1526 companies for Net Margin %. This places Riverbank Hldg Co in the lower half of its industry. The industry median Net Margin % is 26.97. Riverbank Hldg Co's value of 26.18% is 2.9% below this benchmark. Historically, Riverbank Hldg Co's own Net Margin % has ranged from 9.11 to 26.18 over the past decade. While the company's 10-year median is 19.17 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Riverbank Hldg Co's current Net Margin % of 26.18% is 2.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Riverbank Hldg Co and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Riverbank Hldg Co's current Net Margin % is 26.18%, which is 37% above median its own 10-year median of 19.17. 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 Net Margin % is 26.18%, which is 37% above median its 10-year median of 19.17 and 2.9% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Riverbank Hldg Co (RBNK), the current Net Margin % is 26.18% 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:
Net Margin %: 26.18% (37% above median its 10-year median of 19.17)
GF Value™: $26.59 vs. price of $28.50 (7.2% above fair value)
Industry Position: 2.9% below the Banks median (#798 of 1526)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RBNK has been successfully added to your 