Stock fact sheet · data as of
RiverBank Holding Company (RBNK): fair value, margin of safety and Wheel Score
Ticker symbol RBNK · Financial Services · Banks - Regional · United States · Blend
Is RBNK undervalued?
At 34.19 (close of 5 Nov 2026), RBNK trades 63% below the GLS average fair value of 91.78. That average comes from 8 models run on the latest filings, and 8 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns RiverBank Holding Company the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between EPV (42.28) and Graham Growth (205.28). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for RBNK, so the nightly engine files it under Blend (value score 76, growth score 79, out of 100).
Nine valuation models for RBNK
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 61.55 | +80% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 49.73 | +45% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 205.28 | +500% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 88.80 | +160% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 133.09 | +289% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 72.11 | +111% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 81.42 | +138% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 42.28 | +24% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -215.75 | -731% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for RBNK (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. A GLS Moat score of 4.9/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 10.5%, ROE 12.3%, ROA 1.2% - with debt at 0.17 times equity and negative free cash flow.
RiverBank Holding Company pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | - / 9 | ROIC | 10.5% |
|---|---|---|---|
| GLS Moat | 4.9 / 10 | ROE | 12.3% |
| Debt / equity | 0.17 | ROA | 1.2% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 31: No options
No options are listed on RiverBank Holding Company in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 31, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $39M, with a beta of -0.17 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $39M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 63% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 4.9/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.17, $39M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for RBNK in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to RiverBank Holding Company by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PFBN Pacific Alliance Bank | 11.87 | 8.19 | -45% | 17No options | $38M |
| AMFC AMB Financial Corp. | 42.00 | 43.88 | +4% | 20No options | $38M |
| QNTO Quaint Oak Bancorp, Inc. | 14.75 | 42.53 | +65% | 33No options | $39M |
| EXCH Exchange Bankshares, Inc. | 64.30 | 90.79 | +29% | 33No options | $38M |
| ANDC Andover Bancorp, Inc. | 19.76 | 29.74 | +34% | 31No options | $39M |
| FRFC First Robinson Financial Corporation | 78.00 | 212.23 | +63% | 31No options | $40M |
| FMFP First Community Financial Corporation | 12.93 | 10.30 | -26% | 15No options | $37M |
| FPBC First Pacific Bancorp | 8.30 | 15.34 | +46% | 28No options | $36M |
| CYSM Community Bancorp of Santa Maria | 18.65 | 29.30 | +36% | 35No options | $41M |
| HCKG Hocking Valley Bancshares, Inc. | 33.25 | 66.51 | +50% | 33No options | $41M |
| FBPA The Farmers Bank of Appomattox | 33.00 | 43.42 | +24% | 30No options | $36M |
| EFSG Enterprise Financial Services Group, Inc. | 29.70 | 37.64 | +21% | 28No options | $36M |
⚖ Compare RBNK with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about RBNK
Is RBNK undervalued right now?
By the GLS models, yes: at 34.19 the stock is 63% below the average fair value of 91.78 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of RBNK and what does it mean?
RBNK has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for RBNK?
91.78 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does RiverBank Holding Company report earnings next?
No upcoming earnings date is recorded for RBNK in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does RBNK have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on RBNK, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.