Stocktoria

River Financial Corp RVRF

OTC · stock · State Commercial Banks · website · IPO 2017-01-04

River Financial Corp statistics & valuation

Market cap$375.0M
P / E8.9×
P / B1.3×
P / FCF8.3×
Dividend yield1.12%
Return on equity14.3%
Graham number +44%$67.38

Market cap as of 2026-07-01. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($67.38); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.70% 9.30% 7.70% 7.70% 10.30% 13.90% 20.80% 13.50% 13.80% 14.30% 2016201720182019202020212022202320242025
Shares outstanding
5.1M 5.2M 5.7M 6.5M 6.6M 6.7M 6.7M 7.7M 7.7M 7.8M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.00% 1.00% 0.80% 0.80% 0.90% 1.00% 1.00% 0.80% 0.90% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.55 $1.60 $1.60 $1.88 $2.60 $3.79 $4.14 $3.79 $4.05 $5.38 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

River Financial Corp trades at about 8.7× earnings — near its 10-year norm (10-year range 7.4×–18.8×, median 8.1×).

7.4× 18.8×

Shaded band = 10-year range (7.4×–18.8×); dot = today's 8.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets1.1%0.9%0.8%1.0%1.0%0.9%0.8%0.8%1.0%1.0%
Return on equity14.3%13.8%13.5%20.8%13.9%10.3%7.7%7.7%9.3%9.7%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.