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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Riverbank Hldg Co's retained earnings for the quarter that ended in Dec. 2025 was $2.03 Mil.
Riverbank Hldg Co's quarterly retained earnings
increased
from Dec. 2023 ($-3.98 Mil) to Dec. 2024 ($-1.57 Mil) and
increased
from Dec. 2024 ($-1.57 Mil) to Dec. 2025 ($2.03 Mil).
Riverbank Hldg Co's annual retained earnings
increased
from Dec. 2023 ($-3.98 Mil) to Dec. 2024 ($-1.57 Mil) and
increased
from Dec. 2024 ($-1.57 Mil) to Dec. 2025 ($2.03 Mil).
Riverbank Hldg Co (OTCPK:RBNK) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Riverbank Hldg Co Retained Earnings Historical Data
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The historical data trend for Riverbank Hldg Co's Retained Earnings 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Riverbank Hldg Co (RBNK) has a Retained Earnings of $2.03 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Riverbank Hldg Co and its competitors.
Is Riverbank Hldg Co's Retained Earnings too high?
Riverbank Hldg Co's current Retained Earnings is $2.03 Mil. 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 Retained Earnings compare to FBPA and CNBZ?
Riverbank Hldg Co's Retained Earnings of $2.03 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Riverbank Hldg Co and its competitors. Riverbank Hldg Co's current Retained Earnings is $2.03 Mil. 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 $26.90, compared to a current price of $29.25 — trading 8.7% above its estimated fair value. The current Retained Earnings is $2.03 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Riverbank Hldg Co (RBNK), the current Retained Earnings is $2.03 Mil 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 $29.25 is trading 8.7% above its estimated GF Value™ of $26.90.
GuruFocus considers Riverbank Hldg Co to be Fairly Valued.
Key valuation signals for RBNK:
Retained Earnings: $2.03 Mil
GF Value™: $26.90 vs. price of $29.25 (8.7% above fair value)
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
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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