RVRF
River Financial Corporation
Price Chart
Latest Quote
$48.00
-2.00 (-4.00%)
Current Price
| Previous Close | $50.00 |
| Open | $48.00 |
| Day High | $48.00 |
| Day Low | $48.00 |
| Volume | 200 |
Stock Information
| Quarterly Dividend / Yield | $1.00 / 2.08% |
| Shares Outstanding | 7.81M |
| Quarterly Dividend Yield | 2.08% |
| Quarterly Dividend | $1.00 |
| Total Debt | $146.45M |
| Cash Equivalents | $189.56M |
| Revenue | $134.01M |
| Net Income | $47.79M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $375.03M |
| P/E Ratio | 7.88 |
| EPS (TTM) | $6.09 |
| Exchange | PNK |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $331.92M |
| Sales | $134.01M |
| Income | $47.79M |
| Book/sh | $38.11 |
| Cash/sh | $24.26 |
| Employees | 365 |
Financial Ratios
| EPS Growth TTM | 67.30% |
Returns & Margins
| ROA | 1.27% |
| ROE | 17.67% |
| Operating Margin | 52.23% |
| Profit Margin | 35.66% |
Ownership
| Insider Ownership | 11.39% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.80 |
| P/B | 1.26 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $49.90 |
| SMA50 | $49.94 |
| SMA200 | $42.26 |
| ATR | 0.1429 |
| Shares Float | 6.96M |
| Volatility | -0.06 |
| Rel Volume | 20.00 |
Performance History
| Week | -4.00% |
| Month | -4.00% |
| Quarter | -4.00% |
| 6 Months | +28.96% |
| YTD | +22.45% |
| Year | +55.49% |
| 3 Years | +68.90% |
| 5 Years | +83.56% |
| 10 Years | +144.74% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-15 | $48.00 | 1,000 |
| 2026-06-12 | $50.00 | 0 |
| 2026-06-11 | $50.00 | 0 |
| 2026-06-10 | $50.00 | 0 |
| 2026-06-09 | $50.00 | 0 |
| 2026-06-08 | $50.00 | 0 |
| 2026-06-05 | $50.00 | 0 |
| 2026-06-04 | $50.00 | 0 |
| 2026-06-03 | $50.00 | 0 |
| 2026-06-02 | $50.00 | 0 |
| 2026-06-01 | $50.00 | 0 |
| 2026-05-29 | $50.00 | 0 |
| 2026-05-28 | $50.00 | 0 |
| 2026-05-27 | $50.00 | 0 |
| 2026-05-26 | $50.00 | 0 |
| 2026-05-22 | $50.00 | 0 |
| 2026-05-21 | $50.00 | 0 |
| 2026-05-20 | $50.00 | 0 |
| 2026-05-19 | $50.00 | 0 |
| 2026-05-18 | $50.00 | 0 |
About River Financial Corporation
River Financial Corporation operates as the bank holding company for River Bank & Trust that provides commercial and consumer banking services to small to medium-sized businesses, organizations, entrepreneurs, and individuals in Alabama and the Florida Panhandle. The company accepts demand, time, savings, and other deposits, including negotiable orders of withdrawal accounts, and amortization and prepayments of loans and investment; and interest-bearing transaction accounts, money market accounts, and certificates of deposit. It also offers commercial real estate term loans, residential mortgage loans, and construction and land development loans; home equity lines of credit; commercial and industrial loans; loan approval; and consumer loans that consist of loans to purchase automobiles and other consumer durable goods. In addition, the company provides investment brokerage; commercial and retail online banking, automated bill payment, mobile banking, and remote deposit capture services; and loans and investment amortization and prepayment services. River Financial Corporation was founded in 2006 and is headquartered in Prattville, Alabama.
đ° Latest News
Why Bitcoin Is Dropping Right Now (and What I'm Watching Next)
Motley Fool âĸ 2026-03-12T01:17:40Z
Bitcoin Lightning Network Exceeds $1B in Monthly Volume â A Major Layer-2 Win
Cryptonews âĸ 2026-02-20T08:25:40Z
River Financial (RVRF) Net Profit Margin Beats Expectations, Underscoring Value Narrative
Simply Wall St. âĸ 2025-11-06T17:12:44Z
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $109,857,000 | $99,906,000 | $91,130,000 | $80,691,000 |
| Operating Revenue | $109,857,000 | $99,906,000 | $91,130,000 | $80,691,000 |
| Expenses | ||||
| Interest Expense | $75,664,000 | $52,952,000 | $9,985,000 | $5,649,000 |
| Rent Expense Supplemental | $2,167,000 | $2,007,000 | $1,596,000 | $1,118,000 |
| Selling And Marketing Expense | $997,000 | $1,408,000 | $1,131,000 | $764,000 |
| General And Administrative Expense | $43,299,000 | $41,344,000 | $33,678,000 | $29,606,000 |
| Professional Expense And Contract Services Expense | $1,401,000 | $1,009,000 | $809,000 | $841,000 |
| Other Non Interest Expense | $13,275,000 | $13,518,000 | $12,849,000 | $10,109,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $31,317,000 | $26,739,000 | $27,929,000 | $25,036,000 |
| Net Interest Income | $94,449,000 | $79,309,000 | $78,889,000 | $66,149,000 |
| Interest Income | $170,113,000 | $132,261,000 | $88,874,000 | $71,798,000 |
| Normalized Income | $31,317,000 | $26,739,000 | $27,929,000 | $25,036,000 |
| Net Income From Continuing And Discontinued Operation | $31,317,000 | $26,739,000 | $27,929,000 | $25,036,000 |
| Net Income Common Stockholders | $31,317,000 | $26,739,000 | $27,929,000 | $25,036,000 |
| Net Income | $31,317,000 | $26,739,000 | $27,929,000 | $25,036,000 |
| Net Income Including Noncontrolling Interests | $31,317,000 | $26,739,000 | $27,929,000 | $25,036,000 |
| Net Income Continuous Operations | $31,317,000 | $26,739,000 | $27,929,000 | $25,036,000 |
| Pretax Income | $41,121,000 | $33,587,000 | $35,877,000 | $32,199,000 |
| Per Share | ||||
| Diluted EPS | $4.05 | $3.79 | $4.14 | $3.79 |
| Basic EPS | $4.09 | $3.84 | $4.21 | $3.83 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $3,746,000 | $3,553,000 | $2,898,000 | $2,577,000 |
| Diluted Average Shares | $7,730,586 | $7,064,743 | $6,749,424 | $6,613,227 |
| Basic Average Shares | $7,658,553 | $6,969,533 | $6,641,358 | $6,537,505 |
| Diluted NI Availto Com Stockholders | $31,317,000 | $26,739,000 | $27,929,000 | $25,036,000 |
| Tax Provision | $9,804,000 | $6,848,000 | $7,948,000 | $7,163,000 |
| Gain On Sale Of Security | $-2,815,000 | $5,000 | $-2,066,000 | $-608,000 |
| Selling General And Administration | $44,296,000 | $42,752,000 | $34,809,000 | $30,370,000 |
| Insurance And Claims | $2,818,000 | $2,653,000 | $1,324,000 | $1,298,000 |
| Rent And Landing Fees | $2,167,000 | $2,007,000 | $1,596,000 | $1,118,000 |
| Salaries And Wages | $38,314,000 | $36,684,000 | $30,758,000 | $27,190,000 |
| Occupancy And Equipment | $3,977,000 | $3,796,000 | $2,946,000 | $2,428,000 |
| Other Gand A | - | - | - | $3,930,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $203,406,000 | $173,559,000 | $108,253,000 | $151,876,000 |
| Total Assets | $3,582,206,000 | $3,235,250,000 | $2,833,382,000 | $2,395,680,000 |
| Goodwill And Other Intangible Assets | $28,749,000 | $29,262,000 | $29,933,000 | $30,802,000 |
| Other Intangible Assets | $932,000 | $1,445,000 | $2,116,000 | $2,985,000 |
| Receivables | $15,965,000 | $14,091,000 | $10,083,000 | $7,031,000 |
| Accounts Receivable | $15,965,000 | $14,091,000 | $10,083,000 | $7,031,000 |
| Cash And Cash Equivalents | $122,962,000 | $44,765,000 | $78,991,000 | $55,874,000 |
| Cash Financial | $35,257,000 | $32,572,000 | $31,952,000 | $15,756,000 |
| Cash Cash Equivalents And Federal Funds Sold | $202,613,000 | $90,198,000 | $84,676,000 | $66,856,000 |
| Debt | ||||
| Net Debt | $121,601,000 | $224,727,000 | $55,428,000 | - |
| Total Debt | $244,563,000 | $269,492,000 | $134,419,000 | $39,344,000 |
| Long Term Debt And Capital Lease Obligation | $244,563,000 | $269,492,000 | $134,419,000 | $39,344,000 |
| Long Term Debt | $244,563,000 | $269,492,000 | $134,419,000 | $39,344,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $3,350,051,000 | $3,032,429,000 | $2,695,196,000 | $2,213,002,000 |
| Payables And Accrued Expenses | - | - | $13,397,000 | $12,727,000 |
| Payables | - | - | $13,397,000 | $12,727,000 |
| Accounts Payable | - | - | $13,397,000 | $12,727,000 |
| Equity | ||||
| Common Stock Equity | $232,155,000 | $202,821,000 | $138,186,000 | $182,678,000 |
| Total Equity Gross Minority Interest | $232,155,000 | $202,821,000 | $138,186,000 | $182,678,000 |
| Stockholders Equity | $232,155,000 | $202,821,000 | $138,186,000 | $182,678,000 |
| Other Equity Interest | $-1,226,000 | $-1,700,000 | $-1,730,000 | - |
| Gains Losses Not Affecting Retained Earnings | $-61,658,000 | $-64,003,000 | $-71,564,000 | $-1,222,000 |
| Other Equity Adjustments | $-61,658,000 | $-64,003,000 | $-71,564,000 | $-1,222,000 |
| Retained Earnings | $151,817,000 | $124,333,000 | $100,826,000 | $75,815,000 |
| Other | ||||
| Treasury Shares Number | $51,869 | $14,458 | $9,199 | $2,100 |
| Ordinary Shares Number | $7,628,192 | $7,655,860 | $6,656,386 | $6,568,285 |
| Share Issued | $7,680,061 | $7,670,318 | $6,665,585 | $6,570,385 |
| Tangible Book Value | $203,406,000 | $173,559,000 | $108,253,000 | $151,876,000 |
| Invested Capital | $476,718,000 | $472,313,000 | $272,605,000 | $222,022,000 |
| Total Capitalization | $476,718,000 | $472,313,000 | $272,605,000 | $222,022,000 |
| Treasury Stock | $1,701,000 | $496,000 | $306,000 | $68,000 |
| Additional Paid In Capital | $137,243,000 | $137,017,000 | $104,294,000 | $101,583,000 |
| Capital Stock | $7,680,000 | $7,670,000 | $6,666,000 | $6,570,000 |
| Common Stock | $7,680,000 | $7,670,000 | $6,666,000 | $6,570,000 |
| Preferred Stock | $0 | $0 | $0 | - |
| Investments And Advances | $732,925,000 | $747,884,000 | $797,468,000 | $926,941,000 |
| Held To Maturity Securities | $122,061,000 | $126,793,000 | $131,581,000 | $50,182,000 |
| Goodwill | $27,817,000 | $27,817,000 | $27,817,000 | $27,817,000 |
| Net PPE | $45,658,000 | $45,216,000 | $40,213,000 | $36,702,000 |
| Accumulated Depreciation | $-17,559,000 | $-14,353,000 | $-11,590,000 | $-9,896,000 |
| Gross PPE | $63,217,000 | $59,569,000 | $51,803,000 | $46,598,000 |
| Leases | $2,815,000 | $2,815,000 | $2,679,000 | $675,000 |
| Machinery Furniture Equipment | $13,845,000 | $13,215,000 | $10,564,000 | $7,140,000 |
| Buildings And Improvements | $34,080,000 | $31,079,000 | $27,921,000 | $30,327,000 |
| Land And Improvements | $12,477,000 | $12,460,000 | $10,639,000 | $8,456,000 |
| Other Short Term Investments | $610,864,000 | $621,091,000 | $665,887,000 | $876,759,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $33,054,000 | $16,513,000 | $41,927,000 | $36,099,000 |
| Operating Activities | ||||
| Operating Cash Flow | $36,731,000 | $24,397,000 | $47,467,000 | $41,811,000 |
| Cash Flow From Continuing Operating Activities | $36,731,000 | $24,397,000 | $47,467,000 | $41,811,000 |
| Operating Gains Losses | $2,815,000 | $-5,000 | $2,066,000 | $608,000 |
| Investing Activities | ||||
| Capital Expenditure | $-3,677,000 | $-7,884,000 | $-5,540,000 | $-5,712,000 |
| Investing Cash Flow | $-236,116,000 | $-391,517,000 | $-513,477,000 | $-551,526,000 |
| Cash Flow From Continuing Investing Activities | $-236,116,000 | $-391,517,000 | $-513,477,000 | $-551,526,000 |
| Net Other Investing Changes | $412,000 | $-4,952,000 | $-3,759,000 | $-14,534,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-2,558,000 | $-1,080,000 | $-1,365,000 | $-845,000 |
| Issuance Of Capital Stock | $1,297,000 | $33,769,000 | $1,134,000 | $1,541,000 |
| Financing Cash Flow | $312,582,000 | $364,841,000 | $478,874,000 | $511,409,000 |
| Cash Flow From Continuing Financing Activities | $312,582,000 | $364,841,000 | $478,874,000 | $511,409,000 |
| Cash Dividends Paid | $-3,833,000 | $-3,208,000 | $-2,918,000 | $-2,612,000 |
| Common Stock Dividend Paid | $-3,833,000 | $-3,208,000 | $-2,918,000 | $-2,612,000 |
| Net Common Stock Issuance | $-1,261,000 | $32,689,000 | $-231,000 | $696,000 |
| Common Stock Issuance | $1,297,000 | $33,769,000 | $1,134,000 | $1,541,000 |
| Other | ||||
| Repayment Of Debt | $-130,000,000 | $-293,500,000 | $-50,000,000 | $-20,392,000 |
| Issuance Of Debt | $105,000,000 | $403,500,000 | $170,000,000 | $39,344,000 |
| Interest Paid Supplemental Data | $73,702,000 | $50,651,000 | $7,803,000 | $4,588,000 |
| Income Tax Paid Supplemental Data | $8,470,000 | $8,180,000 | $4,805,000 | $9,587,000 |
| End Cash Position | $185,744,000 | $72,547,000 | $74,826,000 | $61,962,000 |
| Beginning Cash Position | $72,547,000 | $74,826,000 | $61,962,000 | $60,268,000 |
| Changes In Cash | $113,197,000 | $-2,279,000 | $12,864,000 | $1,694,000 |
| Proceeds From Stock Option Exercised | $239,000 | $354,000 | $574,000 | $730,000 |
| Common Stock Payments | $-2,558,000 | $-1,080,000 | $-1,365,000 | $-845,000 |
| Net Issuance Payments Of Debt | $-25,000,000 | $110,000,000 | $120,000,000 | $18,952,000 |
| Net Long Term Debt Issuance | $-25,000,000 | $110,000,000 | $120,000,000 | $18,952,000 |
| Long Term Debt Payments | $-130,000,000 | $-293,500,000 | $-50,000,000 | $-20,392,000 |
| Long Term Debt Issuance | $105,000,000 | $403,500,000 | $170,000,000 | $39,344,000 |
| Net Investment Purchase And Sale | $13,364,000 | $57,288,000 | $29,966,000 | $-454,060,000 |
| Sale Of Investment | $161,018,000 | $61,948,000 | $240,707,000 | $294,113,000 |
| Purchase Of Investment | $-147,654,000 | $-4,660,000 | $-210,741,000 | $-748,173,000 |
| Net PPE Purchase And Sale | $-3,677,000 | $-7,884,000 | $-5,540,000 | $-5,712,000 |
| Purchase Of PPE | $-3,677,000 | $-7,884,000 | $-5,540,000 | $-5,712,000 |
| Change In Working Capital | $-2,016,000 | $-7,748,000 | $12,908,000 | $7,703,000 |
| Change In Other Current Assets | $1,961,000 | $-4,712,000 | $3,206,000 | $-4,504,000 |
| Change In Payables And Accrued Expense | $114,000 | $2,154,000 | $666,000 | $3,936,000 |
| Change In Payable | $114,000 | $2,154,000 | $666,000 | $3,936,000 |
| Change In Account Payable | $114,000 | $2,154,000 | $666,000 | $3,936,000 |
| Change In Receivables | $-1,874,000 | $-4,008,000 | $-3,052,000 | $-232,000 |
| Changes In Account Receivables | $-1,874,000 | $-4,008,000 | $-3,052,000 | $-232,000 |
| Other Non Cash Items | $-1,310,000 | $-2,327,000 | $-1,201,000 | $-1,286,000 |
| Stock Based Compensation | $527,000 | $524,000 | $496,000 | $180,000 |
| Amortization Of Securities | $1,911,000 | $2,381,000 | $3,514,000 | $7,051,000 |
| Deferred Tax | $-1,688,000 | $-1,896,000 | $-702,000 | $-1,432,000 |
| Deferred Income Tax | $-1,688,000 | $-1,896,000 | $-702,000 | $-1,432,000 |
| Depreciation Amortization Depletion | $3,746,000 | $3,553,000 | $2,898,000 | $2,577,000 |
| Depreciation And Amortization | $3,746,000 | $3,553,000 | $2,898,000 | $2,577,000 |
| Amortization Cash Flow | $512,000 | $671,000 | $869,000 | $1,067,000 |
| Amortization Of Intangibles | $512,000 | $671,000 | $869,000 | $1,067,000 |
| Depreciation | $3,234,000 | $2,882,000 | $2,029,000 | $1,510,000 |
| Gain Loss On Investment Securities | $2,815,000 | $-5,000 | $2,066,000 | $608,000 |
| Net Income From Continuing Operations | $31,317,000 | $26,739,000 | $27,929,000 | $25,036,000 |
| Net Short Term Debt Issuance | - | $0 | $0 | - |
| Short Term Debt Payments | - | $-12,000,000 | $0 | - |
| Short Term Debt Issuance | - | $12,000,000 | $0 | - |
Fetched: 2026-02-02