Redwood Capital Bancorp

Redwood Capital Bancorp

RWCB
Redwood Capital BancorpUS flagOther OTC
31.95
USD
- -
- -
60.83MMarket Cap
2004 Y
2005 Y
2006 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.48
2
3.15
9.35
10.02
10.67
12.02
11.06
- -
11.09
Basic EPS, GAAP
-1.65
-0.19
0.45
2.28
2.87
3.06
3.61
2.7
- -
2.47
Free Cash Flow per Basic Share
-1.29
0.06
0.64
0.72
5.81
3.7
2.26
3.34
- -
- -
Dividend per Share
- -
- -
- -
0.28
0.28
0.29
0.32
0.32
- -
- -
Book Value per Share
5.05
4.93
-1.37
18.1
20.66
23.38
26.48
29.05
- -
30.17
Tangible Book Value per Share
5.04
4.81
5.35
18.03
19.9
18.66
22.46
25.05
- -
27.48
Basic Weighted Avg Shares
2
2
2
2
2
2
2
2
- -
2
Sales/Revenue/Turnover
1
3
5
18
20
21
23
22
22
22
Operating Margin (%)
-345.64
-9.41
14.28
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
1
1
1
1
1
- -
- -
Net Income, GAAP
-3
- -
1
4
6
6
7
5
5
5
Effective Tax Rate (%)
- -
- -
0.13
29.31
27.38
27.94
27.73
27.04
27.72
27.5
Profit Margin (%)
-345.84
-9.42
14.27
24.4
28.65
28.67
30
24.44
23.14
22.29
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
9
11
11
11
5
- -
5
Total Equity
8
8
9
36
40
39
46
51
55
54
Return on Invested Capital (%)
- -
- -
8.89
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
-3.78
- -
- -
14.87
13.96
14.42
9.73
8.98
8.36

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
5
- -
5
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
41
43
43

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
94
- -
26
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
9.33%
8.97%
Free Cash Flow
- -
136.43%
-9.07%
Net Income, GAAP
- -
4.96%
-1.65%
Sales/Revenue/Turnover
- -
4.65%
3.88%
Total Cash Common Dividend
- -
4.68%
8.54%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6
5
6
5
22
2025
5
5
5
- -
22
2026
6
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.7
- -
- -
- -
2.7
2025
0.59
- -
- -
- -
- -
2026
0.73
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.32
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
John E. Dalby
Full Time Employees
26
Sector
Financial Services
Industry
Banks - Regional
Address
402 G Street Eureka CA United States of America 95501
IPO Date
Feb 17, 2005
Business
Redwood Capital Bancorp operates as the bank holding company for Redwood Capital Bank, a community-focused institution providing retail and commercial banking products and services to individuals, small businesses, and professionals primarily in Northern California. The company offers deposit products including checking accounts, savings accounts, money market accounts, and certificates of deposit; lending solutions such as real estate loans, home equity lines of credit, construction and development loans, term loans for machinery and equipment, lines of credit for working capital, and industrial, agricultural, residential, and personal credits; and additional services encompassing credit and debit cards, check reordering, online banking, and mobile banking. Redwood Capital Bancorp maintains branches and ATMs in Eureka, Fortuna, and Arcata, California, targeting local markets in Humboldt County with personalized service as a preferred SBA lender for business financing. Founded in 2004 and headquartered at 402 G Street in Eureka, California, the company emphasizes shareholder returns through consistent dividend payments, including a recent quarterly dividend of $0.08 per share, and an aggressive stock repurchase strategy. In 2025, Redwood Capital Bancorp completed its first share repurchase program acquiring 42,380 shares, authorized a second $1 million program in September expiring December 2025, and announced a third $1 million program on November 21 effective through February 2026 following the repurchase of a combined 78,612 shares under prior initiatives, funded by internal capital and subsidiary dividends amid strong financial metrics like a 12.50% leverage capital ratio and year-to-date earnings per share of $2.08.

Company News

APIChat
  • Redwood Capital Bancorp Announces Planned Leadership Transition: Jennifer P. Budwig Named President; John E.

  • Earnings Release – Redwood Capital Bancorp – First Quarter, 2026

  • Redwood Capital Bancorp Announces Fourth Stock Repurchase Program

  • Earnings Release – Redwood Capital Bancorp – Year-End 2025

  • Redwood Capital Bancorp Announces Appointment of Jennifer P. Budwig, Senior Vice President and Chief Operating Officer to Board of Directors

  • Redwood Capital Bancorp Announces Third Stock Repurchase Program

  • Earnings Release – Redwood Capital Bancorp – Third Quarter, 2025

  • Redwood Capital Bancorp Announces Second Stock Repurchase Program

  • Earnings Release – Redwood Capital Bancorp – Second Quarter, 2025

  • Redwood Capital Bancorp Announces Stock Repurchase Program

  • Earnings Release – Redwood Capital Bancorp – First Quarter, 2025

  • Redwood Capital Bank Welcomes Stephanie Bye, Senior Vice President, Chief Risk Officer

  • Earnings Release – Redwood Capital Bancorp – Second Quarter, 2024

  • Earnings Release – Redwood Capital Bancorp – First Quarter, 2024

  • Earnings Release – Redwood Capital Bancorp – Year End 2023

  • Earnings Release – Redwood Capital Bancorp – Third Quarter, 2023