RBNK (Riverbank Hldg Co) Scaled Net Operating Assets: 0.05 (As of Dec. 2025)


RBNK Riverbank Hldg Co RBNK
62 GF Score
Price $28.50
GF Value $26.64
Valuation Fairly Valued
! 4 Warning Signs
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What is Riverbank Hldg Co Scaled Net Operating Assets?

Riverbank Hldg Co RBNK 62 Scaled Net Operating Assets is 0.05 as of Dec. 2025. GuruFocus rates RBNK with a GF Score™ of 62/100 and a GF Value™ of $26.64 (Fairly Valued). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Riverbank Hldg Co's operating assets for the quarter that ended in Dec. 2025 was $272.63 Mil. Riverbank Hldg Co's operating liabilities for the quarter that ended in Dec. 2025 was $258.48 Mil. Riverbank Hldg Co's Total Assets for the quarter that ended in Dec. 2024 was $262.37 Mil. Therefore, Riverbank Hldg Co's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.05.

RBNK
62GF Score
Riverbank Hldg Co RBNK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Riverbank Hldg Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Riverbank Hldg Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(272.63-258.477)/262.373
=0.05

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=292.759 - 20.129
=272.63

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=263.477 - 5 - 0
=258.477

Riverbank Hldg Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(272.63-258.477)/262.373
=0.05

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=292.759 - 20.129
=272.63

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=263.477 - 5 - 0
=258.477

* 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.

What does a Scaled Net Operating Assets of 0.05 mean?
Riverbank Hldg Co (RBNK) has a Scaled Net Operating Assets of 0.05 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Riverbank Hldg Co and its competitors.
Is Riverbank Hldg Co's Scaled Net Operating Assets too high?
Riverbank Hldg Co's current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets compare to JFWV and WOBK?
Riverbank Hldg Co's Scaled Net Operating Assets of 0.05 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Riverbank Hldg Co and its competitors. Riverbank Hldg Co's current Scaled Net Operating Assets is 0.05. 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 $26.64, compared to a current price of $28.50 — trading 7% above its estimated fair value. The current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Riverbank Hldg Co (RBNK), the current Scaled Net Operating Assets is 0.05 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% above its estimated GF Value™ of $26.64. GuruFocus considers Riverbank Hldg Co to be Fairly Valued.

Key valuation signals for RBNK:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: $26.64 vs. price of $28.50 (7% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.50
Price
$26.64
GF Value