River Financial Corp
River Financial Corp
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 46 | 36 | 29 | 47 | 46 | 46 | 35 | 41 | 50 | 33 | 33 | 38 | |||||
Interest Bearing Deposits In Banks | 67 | 85 | 89 | 166 | 144 | 119 | 83 | 92 | 116 | 135 | 8 | 49 | |||||
Federal Funds Sold | 44 | 66 | 10 | 31 | 13 | 20 | 67 | 14 | 10 | 46 | 32 | 58 | |||||
Cash Cash Equivalents And Federal Funds Sold | 157 | 187 | 129 | 244 | 204 | 185 | 186 | 147 | 177 | 214 | 73 | 145 | |||||
Certificates Of Deposit At Carrying Value | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 | |||||
Held To Maturity Securities | 115 | 116 | 117 | 118 | 120 | 121 | 122 | 123 | 125 | 126 | 127 | 128 | |||||
Available For Sale Securities Debt Securities | 683 | 666 | 629 | 648 | 618 | 622 | 611 | 633 | 596 | 584 | 621 | 603 | |||||
Loans Receivable Held For Sale Amount | 19 | 12 | 9 | 6 | 6 | 6 | 7 | 10 | 9 | 5 | 5 | 7 | |||||
Loans And Leases Receivable Net Of Deferred Income | - | - | - | - | - | - | - | - | - | 2,270 | 2,240 | 2,122 | |||||
Financing Receivable Allowance For Credit Losses | - | -38 | -36 | -35 | -34 | -34 | -32 | -31 | -31 | -30 | -29 | -28 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | -30 | -29 | -28 | |||||
Assets | |||||||||||||||||
Assets | 4,018 | 3,915 | 3,787 | 3,845 | 3,688 | 3,633 | 3,582 | 3,496 | 3,424 | 3,369 | 3,235 | 3,179 | |||||
Notes Receivable Net | 2,802 | 2,701 | 2,678 | 2,605 | 2,530 | 2,502 | 2,455 | 2,393 | 2,319 | 2,240 | 2,211 | 2,095 | |||||
Property Plant And Equipment Net | 53 | 52 | 51 | 47 | 46 | 46 | 46 | 45 | 45 | 46 | 45 | 46 | |||||
Interest Receivable | 19 | 18 | 17 | 17 | 16 | 17 | 16 | 15 | 15 | 14 | 14 | 12 | |||||
Bank Owned Life Insurance | 56 | 55 | 54 | 51 | 51 | 50 | 50 | 49 | 48 | 47 | 47 | 47 | |||||
Foreclosed Assets | 2 | 2 | 2 | 2 | 2 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | |||||
Deferred Income Tax Assets Net | 25 | 24 | 23 | 24 | 28 | 27 | 31 | 25 | 30 | 31 | 30 | 37 | |||||
Finite Lived Intangible Assets Net | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | |||||
Goodwill | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | |||||
Restricted Investments | 10 | 8 | 8 | 10 | 10 | 10 | 13 | 10 | 12 | 13 | 13 | 10 | |||||
Amortization Method Qualified Affordable Housing P… | 35 | 35 | 31 | 29 | - | - | 7 | - | - | - | - | - | |||||
Other Assets | 11 | 10 | 10 | 10 | 24 | 14 | 7 | 14 | 14 | 15 | 16 | 17 | |||||
Noninterest Bearing Deposit Liabilities | 696 | 704 | 667 | 674 | 650 | 652 | 654 | 638 | 639 | 647 | 628 | 644 | |||||
Interest Bearing Deposit Liabilities | 2,809 | 2,747 | 2,661 | 2,677 | 2,572 | 2,506 | 2,413 | 2,401 | 2,304 | 2,246 | 2,102 | 2,132 | |||||
Deposits | 3,505 | 3,450 | 3,327 | 3,351 | 3,222 | 3,158 | 3,067 | 3,039 | 2,943 | 2,894 | 2,731 | 2,777 | |||||
Securities Sold Under Agreements To Repurchase | - | - | 0 | 0 | 0 | 21 | 23 | 14 | 15 | 15 | 17 | 20 | |||||
Federal Home Loan Bank Advances Long Term | 135 | 100 | 100 | 150 | 150 | 150 | 205 | 150 | 200 | 205 | 230 | 155 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities And Stockholders Equity | 4,018 | 3,915 | 3,787 | 3,845 | 3,688 | 3,633 | 3,582 | 3,496 | 3,424 | 3,369 | 3,235 | 3,179 | |||||
Subordinated Debt | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 40 | 39 | 39 | |||||
Accounts Payable And Other Accrued Liabilities | 21 | 21 | 21 | 21 | 16 | 15 | 16 | 16 | 14 | 13 | 16 | 14 | |||||
Liabilities | 3,701 | 3,611 | 3,488 | 3,561 | 3,428 | 3,384 | 3,350 | 3,258 | 3,212 | 3,166 | 3,032 | 3,005 | |||||
Temporary Equity Carrying Amount Including Portion… | 7 | 6 | 6 | 6 | 6 | 6 | 5 | 5 | 4 | 4 | 4 | 5 | |||||
Common Stock Value | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | |||||
Additional Paid In Capital Common Stock | 142 | 142 | 141 | 140 | 141 | 140 | 137 | 137 | 137 | 137 | 137 | 137 | |||||
Stockholders Equity | |||||||||||||||||
Retained Earnings Accumulated Deficit | 210 | 196 | 190 | 179 | 168 | 156 | 152 | 143 | 134 | 126 | 124 | 116 | |||||
Stockholders Equity | 310 | 298 | 294 | 277 | 254 | 243 | 227 | 233 | 208 | 198 | 198 | 169 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -37 | -36 | -33 | -39 | -52 | -50 | -62 | -47 | -64 | -67 | -64 | -85 | |||||
Treasury Stock Value | -3 | -2 | -2 | -2 | -1 | -1 | -2 | -0 | -1 | -0 | -0 | -0 | |||||
Held To Maturity Securities Fair Value | 96 | 97 | 98 | 98 | 97 | 98 | 97 | 103 | 101 | 101 | 103 | - | |||||
Available For Sale Debt Securities Amortized Cost … | 732 | 712 | 671 | 698 | 686 | 687 | 691 | 693 | 679 | 671 | 704 | - | |||||
Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | - | |||||
Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | - | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |||||
Common Stock Par Or Stated Value Per Share | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Common Stock Shares Authorized | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | |||||
Common Stock Shares Issued | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | |||||
Shares Outstanding | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.17% | 0.00% | 0.00% | - | - | - | - | - | - | - | - | - |
| 2025 | 0.00% | 1.85% | 7.25% | -2.16% | 0.00% | -0.72% | 11.71% | 17.65% | 17.65% | 0.00% | -4.00% | 0.00% |
| 2024 | 0.00% | -0.83% | -0.83% | 3.33% | 0.00% | -0.83% | 3.33% | 3.53% | 3.33% | 0.85% | 5.40% | 5.40% |
| 2023 | - | - | - | 3.45% | 6.90% | 6.90% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.51 | -0.51 | -0.55 | -0.54 | -0.53 | -0.15 | 0.31 | 0.88 | 1.52 | 1.57 | 1.63 | 1.74 | |||||
Efficiency & Turnover | |||||||||||||||||
| Days Sales Outstanding TTM | - | - | - | - | - | - | - | - | - | 5,348.13 | 5,578.91 | 5,689.19 | |||||
| Receivables Turnover TTM | - | - | - | - | - | - | - | - | - | 0.07 | 0.07 | 0.06 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 6.24 | 6.05 | 5.38 | 5.16 | 4.90 | 4.35 | 4.05 | 3.90 | 3.55 | 3.55 | 3.78 | 3.51 | |||||
| Free Cash Flow Per Share TTM | 4.41 | 5.71 | 5.84 | 6.49 | 5.97 | 4.89 | 4.23 | 4.28 | 3.37 | 2.51 | 2.37 | 2.10 | |||||
| Dividend Per Share TTM | 1.00 | 1.00 | 0.54 | 0.54 | 0.54 | 0.54 | 0.50 | 0.50 | 0.50 | 0.50 | 0.46 | 0.47 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 63.73% | 62.84% | 61.57% | 60.11% | 58.46% | 56.75% | 55.52% | 41.58% | 41.42% | 41.98% | 43.35% | 64.94% | |||||
| Operating Profit Margin TTM | 31.25% | 30.69% | 27.62% | 27.38% | 27.31% | 25.17% | 24.17% | 23.93% | 22.77% | 24.30% | 25.39% | 25.82% | |||||
| Net Profit Margin TTM | 23.90% | 23.60% | 21.31% | 21.14% | 20.87% | 19.16% | 18.41% | 18.71% | 17.98% | 19.24% | 20.22% | 20.20% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 12.66% | 14.23% | 16.16% | 18.40% | 20.55% | 24.28% | 28.62% | 33.57% | 39.77% | 45.05% | 48.82% | 49.55% | |||||
| Net Income Growth (1Y) | 29.02% | 40.72% | 34.45% | 33.78% | 39.93% | 23.77% | 17.12% | 23.73% | 8.03% | 8.54% | -4.26% | -11.24% | |||||
| EPS Growth (1Y) | 28.21% | 39.41% | 32.83% | 32.27% | 38.10% | 22.54% | 6.58% | 10.84% | -5.91% | -5.57% | -8.77% | -13.98% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 7.56 | 8.17 | 7.22 | 6.53 | 6.53 | 6.87 | 7.32 | 7.33 | 8.00 | 8.07 | 7.65 | 8.26 | |||||
| P/B TTM | 1.21 | 1.31 | 1.03 | 0.95 | 0.99 | 0.96 | 1.01 | 0.95 | 1.05 | 1.12 | 1.03 | 1.19 | |||||
| P/S TTM | 1.81 | 1.93 | 1.54 | 1.38 | 1.36 | 1.32 | 1.35 | 1.37 | 1.44 | 1.55 | 1.55 | 1.67 | |||||
| Market Cap | 374.85M | 390.64M | 303.87M | 264.17M | 250.97M | 233.25M | 229.16M | 221.66M | 219.52M | 221.46M | 204.67M | 201.77M | |||||
| Enterprise Value | 329.00M | 354.88M | 274.64M | 217.32M | 204.66M | 187.41M | 193.90M | 180.50M | 169.05M | 188.43M | 172.10M | 163.85M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 34.40M | 44.62M | 45.27M | 50.35M | 46.34M | 37.83M | 32.43M | 32.80M | 25.85M | 19.23M | 16.51M | 14.40M | |||||
| Net Debt | -45.84M | -35.75M | -29.23M | -46.85M | -46.31M | -45.84M | -35.26M | -41.16M | -50.47M | -33.04M | -32.57M | -37.91M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
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| EV EBITDA TTM | |||||||||||||||||
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| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Institutional Ownership
River Financial Corp (RVRF) — SEC Financial Statements & Analysis
River Financial Corp (RVRF) is a state commercial banks company, incorporated in AL. River Financial Corp trades on OTC as: RVRF. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), River Financial Corp reported a 12.66% year-over-year revenue growth, a Gross Profit Margin of 63.73% (TTM), a Price-to-Sales (P/S) ratio of 1.81x (TTM), a Price-to-Book (P/B) ratio of 1.21x (TTM), at a market cap of $374.85M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 12.66%
- Gross Profit Margin TTM
- 63.73%
- P/S TTM
- 1.81x
- P/B TTM
- 1.21x
- Market Cap
- $374.85M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is River Financial Corp in?
River Financial Corp (RVRF) operates in the State Commercial Banks industry.
What is RVRF's market cap?
River Financial Corp (RVRF) has a market capitalization of $374.85M as of 2026-06-30.
What is RVRF's P/E ratio?
River Financial Corp (RVRF)'s trailing twelve month P/E ratio is 7.56x as of 2026-06-30.
What exchange does RVRF trade on?
River Financial Corp (RVRF) trades on the OTC.
Where is River Financial Corp incorporated?
River Financial Corp is incorporated in AL.