RWCB (Redwood Capital Bancorp) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)

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RWCB Redwood Capital Bancorp RWCB
61 GF Score
Price $32.95
GF Value $23.74
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Redwood Capital Bancorp Scaled Net Operating Assets?

Redwood Capital Bancorp RWCB 61 Scaled Net Operating Assets is 0.07 as of Mar. 2026. GuruFocus rates RWCB with a GF Score™ of 61/100 and a GF Value™ of $23.74 (Significantly Overvalued). The stock has 6 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.

Redwood Capital Bancorp's operating assets for the quarter that ended in Mar. 2026 was $520.61 Mil. Redwood Capital Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $484.51 Mil. Redwood Capital Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $531.75 Mil. Therefore, Redwood Capital Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

RWCB
61GF Score
Redwood Capital Bancorp RWCB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Redwood Capital Bancorp 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.

Redwood Capital Bancorp'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 )
=(511.825-476.64)/531.804
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=531.748 - 19.923
=511.825

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=476.64 - 0 - 0
=476.64

Redwood Capital Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(520.606-484.51)/531.748
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=540.589 - 19.983
=520.606

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=484.51 - 0 - 0
=484.51

* 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 0.07 mean?
Redwood Capital Bancorp (RWCB) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Redwood Capital Bancorp and its competitors.
Is Redwood Capital Bancorp's Scaled Net Operating Assets too high?
Redwood Capital Bancorp's current Scaled Net Operating Assets is 0.07. Overall, Redwood Capital Bancorp has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Redwood Capital Bancorp's Scaled Net Operating Assets compare to CEFC and HLFN?
Redwood Capital Bancorp's Scaled Net Operating Assets of 0.07 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 Redwood Capital Bancorp and its competitors. Redwood Capital Bancorp's current Scaled Net Operating Assets is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Redwood Capital Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Redwood Capital Bancorp (RWCB) is currently considered Significantly Overvalued. The stock's GF Value™ is $23.74, compared to a current price of $32.95 — trading 38.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.07. Redwood Capital Bancorp's overall GF Score™ is 61/100 with 6 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 Redwood Capital Bancorp (RWCB), the current Scaled Net Operating Assets is 0.07 as of Mar. 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 Redwood Capital Bancorp (RWCB) Overvalued in 2026?

Based on GuruFocus' analysis, Redwood Capital Bancorp stock appears to be overvalued. The current stock price of $32.95 is trading 38.8% above its estimated GF Value™ of $23.74. GuruFocus considers Redwood Capital Bancorp to be Significantly Overvalued.

Key valuation signals for RWCB:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: $23.74 vs. price of $32.95 (38.8% above fair value)
  • GF Score™: 61/100 with 6 warning signs

No single metric tells the full story. See the RWCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Redwood Capital Bancorp Business Description

Address 332 Harris Street, Suite A, Eureka, CA, USA, 95501
Redwood Capital Bancorp through its subsidiary provides various banking products and services. The company offers commercial, industrial, agricultural, residential and personal credit and other banking services through its branches located in Eureka, Fortuna, and Arcata, California. The Company has determined that its business is comprised of a single operating segment. Redwood Capital Bank has two branches in Eureka, one in Fortuna and one in Arcata, California.
61GF Score

Get the complete analysis for RWCB

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.95
Price
$23.74
GF Value