Riverbank Hldg CoRBNK 62 Return-on-Tangible-Equity is 13.39% as of Dec. 2025, which is 51% above its 10-year median of 8.84. GuruFocus rates RBNK with a GF Score™ of 62/100 and a GF Value™ of $26.66. The stock has 4 warning signs investors should review. Among 1,521 Banks companies, Riverbank Hldg Co ranks better than 63.71% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Riverbank Hldg Co's annualized net income for the quarter that ended in Dec. 2025 was $3.60 Mil. Riverbank Hldg Co's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $26.88 Mil. Therefore, Riverbank Hldg Co's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 13.39%.
The historical rank and industry rank for Riverbank Hldg Co's Return-on-Tangible-Equity or its related term are showing as below:
RBNK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.66 Med: 8.84 Max: 13.39
Current: 13.39
During the past 7 years, Riverbank Hldg Co's highest Return-on-Tangible-Equity was 13.39%. The lowest was 3.66%. And the median was 8.84%.
RBNK's Return-on-Tangible-Equity is ranked better than 63.71% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs RBNK: 13.39
Riverbank Hldg Co (OTCPK:RBNK) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Riverbank Hldg Co Return-on-Tangible-Equity Related Terms
Riverbank Hldg Co Return-on-Tangible-Equity Historical Data
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The historical data trend for Riverbank Hldg Co's Return-on-Tangible-Equity 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 JFWV, WOBK, FBPA: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Riverbank Hldg Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Riverbank Hldg Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Riverbank Hldg Co's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.39% mean?
Riverbank Hldg Co (RBNK) has a Return-on-Tangible-Equity of 13.39% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Riverbank Hldg Co and its competitors. This is 51% above median its historical median of 8.84. Over the past decade, Riverbank Hldg Co's Return-on-Tangible-Equity has ranged from 3.66 to 13.39. According to the industry distribution chart, Riverbank Hldg Co ranks #552 out of 1521 companies in the Banks industry, placing it in the top 36.3%.
Is Riverbank Hldg Co's Return-on-Tangible-Equity too high?
Riverbank Hldg Co's current Return-on-Tangible-Equity of 13.39% is 51% above median its 10-year median of 8.84. Over the past 10 years, this metric has ranged from a low of 3.66 to a high of 13.39. The Banks industry median Return-on-Tangible-Equity is 11.19. Riverbank Hldg Co's value of 13.39% is 19.7% above this industry median. Based on the distribution chart, Riverbank Hldg Co ranks #552 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Riverbank Hldg Co has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Riverbank Hldg Co's Return-on-Tangible-Equity compare to JFWV and WOBK?
According to the Banks industry distribution chart, Riverbank Hldg Co ranks #552 out of 1521 companies for Return-on-Tangible-Equity. This puts Riverbank Hldg Co in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Riverbank Hldg Co's value of 13.39% is 19.7% above this benchmark. Historically, Riverbank Hldg Co's own Return-on-Tangible-Equity has ranged from 3.66 to 13.39 over the past decade. While the company's 10-year median is 8.84 vs. the industry median of 11.19, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Riverbank Hldg Co's current Return-on-Tangible-Equity of 13.39% is 19.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Riverbank Hldg Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Riverbank Hldg Co's current Return-on-Tangible-Equity is 13.39%, which is 51% above median its own 10-year median of 8.84. 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?
Riverbank Hldg Co (RBNK) has a current Return-on-Tangible-Equity of 13.39%. The stock's GF Value™ is $26.66, compared to a current price of $29.00 — trading 8.8% above its estimated fair value. The current Return-on-Tangible-Equity is 13.39%, which is 51% above median its 10-year median of 8.84 and 19.7% above the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Riverbank Hldg Co (RBNK), the current Return-on-Tangible-Equity is 13.39% 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 $29.00 is trading 8.8% above its estimated GF Value™ of $26.66.
Key valuation signals for RBNK:
Return-on-Tangible-Equity: 13.39% (51% above median its 10-year median of 8.84)
GF Value™: $26.66 vs. price of $29.00 (8.8% above fair value)
Industry Position: 19.7% above the Banks median (#552 of 1521)
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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