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Redwood Capital Bancorp (RWCB) Fair Value & Analysis

Financial Services · US · Market cap $60.2M

Price$32.09
Fair Value$35.97
Upside+12.1%
Quality95/100
Evidence: High Range $26.98 – $44.96

Fair value as of: Jun 26, 2026

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Analysis

Redwood Capital Bancorp (RWCB) currently trades at $32.09, while our model-based Fair Value estimate is $35.97 — implying the stock looks roughly 12.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Redwood Capital Bancorp operates as the bank holding company for Redwood Capital Bank that provides various banking products and services to individuals and businesses in California. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides real estate loans, home equity lines of credit, construction and development loans, term loans for machinery and equipment, and lines of credit for working capital, as well as industrial, agricultural, residential, and personal credits. In addition, the company offers credit and debit cards, check reordering services, and online and mobile banking services. It operates through ATMs and branches located in Eureka, Fortuna, and Arcata, California. Redwood Capital Bancorp was founded in 2004 and is headquartered in Eureka, California.

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Frequently asked questions

Is Redwood Capital Bancorp (RWCB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $35.97 versus a price of $32.09 — about +12% (undervalued). Model-based estimate, not financial advice.
What is the fair value of RWCB?
Our 21-model fair value for Redwood Capital Bancorp is $35.97 (as of Jun 26, 2026), built from audited fundamentals. The current price is $32.09.
What is the quality score of RWCB?
Redwood Capital Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.