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Riverbank Hldg CoRBNK +0.52%62 Peter Lynch Fair Value is $22.44 as of Jul. 29, 2026, which is 1834% above its 10-year median of 1.16. GuruFocus rates RBNK with a GF Score™ of 62/100 and a GF Value™ of $26.88 (Fairly Valued). The stock has 4 warning signs investors should review. Among 873 Banks companies, Riverbank Hldg Co ranks worse than 58.19% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Riverbank Hldg Co's PEG is 1. Riverbank Hldg Co's 5-Year TTM Book Value Growth Rate is 6.97.
Riverbank Hldg Co's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $3.22. Therefore, the Peter Lynch Fair Value for today is $22.44.
As of today (2026-07-29), Riverbank Hldg Co's share price is $29.25. Riverbank Hldg Co's Peter Lynch fair value is $22.44. Therefore, Riverbank Hldg Co's Price to Peter Lynch Fair Value Ratio for today is 1.30.
The historical rank and industry rank for Riverbank Hldg Co's Peter Lynch Fair Value or its related term are showing as below:
RBNK'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.16 Med: 1.16 Max: 1.38
Current: 1.3
During the past 7 years, the highest Price to Peter Lynch Fair Value Ratio of Riverbank Hldg Co was 1.38. The lowest was 1.16. And the median was 1.16.
RBNK's Price-to-Peter-Lynch-Fair-Value is ranked worse than 58.19% of 873
companies
in the Banks industry
Industry Median: 1.11
vs RBNK: 1.30
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Riverbank Hldg Co (OTCPK:RBNK) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 6.97 instead of 15 in this case.
Riverbank Hldg Co's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
29.25
/
22.44
=
1.30
* 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 Peter Lynch Fair Value Related Terms
Riverbank Hldg Co Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Riverbank Hldg Co's Peter Lynch Fair Value 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.
RBNK vs FBPA, CNBZ, PWBK: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Riverbank Hldg Co's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Riverbank Hldg Co's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Riverbank Hldg Co's Price-to-Peter-Lynch-Fair-Value falls into.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Riverbank Hldg Co's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $3.22.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $22.44 mean?
Riverbank Hldg Co (RBNK) has a Peter Lynch Fair Value of $22.44 as of Jul. 29, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Riverbank Hldg Co and its competitors. This is 1834% above median its historical median of 1.16. Over the past decade, Riverbank Hldg Co's Peter Lynch Fair Value has ranged from 1.16 to 1.38. According to the industry distribution chart, Riverbank Hldg Co ranks #508 out of 873 companies in the Banks industry, placing it in the top 58.2%.
Is Riverbank Hldg Co's Peter Lynch Fair Value too high?
Riverbank Hldg Co's current Peter Lynch Fair Value of $22.44 is 1834% above median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 1.16 to a high of 1.38. The Banks industry median Peter Lynch Fair Value is 1.11. Riverbank Hldg Co's value of $22.44 is 1921.6% above this industry median. Based on the distribution chart, Riverbank Hldg Co ranks #508 out of 873 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 Peter Lynch Fair Value compare to FBPA and CNBZ?
According to the Banks industry distribution chart, Riverbank Hldg Co ranks #508 out of 873 companies for Peter Lynch Fair Value. This places Riverbank Hldg Co in the lower half of its industry. The industry median Peter Lynch Fair Value is 1.11. Riverbank Hldg Co's value of $22.44 is 1921.6% above this benchmark. Historically, Riverbank Hldg Co's own Peter Lynch Fair Value has ranged from 1.16 to 1.38 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 1.11, Riverbank Hldg Co has consistently been above 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 Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.11, based on 873 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Riverbank Hldg Co's current Peter Lynch Fair Value of $22.44 is 1921.6% above 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Riverbank Hldg Co and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Riverbank Hldg Co's current Peter Lynch Fair Value is $22.44, which is 1834% above median its own 10-year median of 1.16. 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 $26.88, compared to a current price of $29.25 — trading 8.8% above its estimated fair value. The current Peter Lynch Fair Value is $22.44, which is 1834% above median its 10-year median of 1.16 and 1921.6% above the Banks industry median of 1.11. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Riverbank Hldg Co (RBNK), the current Peter Lynch Fair Value is $22.44 as of Jul. 29, 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 $29.25 is trading 8.8% above its estimated GF Value™ of $26.88.
GuruFocus considers Riverbank Hldg Co to be Fairly Valued.
Key valuation signals for RBNK:
Peter Lynch Fair Value: $22.44 (1834% above median its 10-year median of 1.16)
GF Value™: $26.88 vs. price of $29.25 (8.8% above fair value)
Industry Position: 1921.6% above the Banks median (#508 of 873)
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
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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