1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
River Financial Corporation

River Financial Corporation

RVRF
River Financial CorporationUS flagOther OTC
50.00
USD
- -
- -
390.66MMarket Cap
River Financial Corporation
RVRF
(Other OTC)

Recent

price

50.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.54
6.46
7.04
7.45
8.62
10.32
12.34
13.72
14.33
14.34
- -
15.94
Revenue per Share
0.47
1.55
1.63
1.63
1.9
2.63
3.83
4.21
3.84
4.09
- -
4.97
Basic EPS, GAAP
0.66
0.22
2.49
2.26
1.01
0.38
5.52
6.31
2.37
4.23
- -
4.79
Free Cash Flow per Basic Share
0.08
0.16
0.25
0.27
0.32
0.36
0.4
0.44
0.46
0.5
- -
0.54
Dividend per Share
2.52
3.96
5.4
6.74
7.74
9.22
12.6
16.19
18.94
20.83
- -
22.78
Book Value per Share
12.34
13.82
15.37
16.79
19.52
20.98
23.23
16.3
24.9
26.56
- -
29.88
Tangible Book Value per Share
5
5
5
5
6
6
7
7
7
8
- -
8
Basic Weighted Avg Shares
18
33
36
39
50
67
81
91
100
110
132
123
Sales/Revenue/Turnover
20.18
34.73
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
2
2
3
3
3
3
4
4
4
4
Depreciation Expense
2
8
8
9
11
17
25
28
27
31
42
38
Net Income, GAAP
34.83
30.72
35.27
21.88
23.79
21.19
22.25
22.15
20.39
23.84
22.86
23.58
Effective Tax Rate (%)
13.15
24.06
23.13
21.9
22.09
25.48
31.03
30.65
26.76
28.51
31.87
31.2
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
10
6
15
47
24
20
39
134
269
245
140
165
LT Debt
75
82
90
111
147
168
183
138
203
232
300
259
Total Equity
- -
9.07
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
47.98
34.83
27.15
27.68
32.53
35.19
29.42
22.33
21.49
23.59
24.19
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
25
25
LT Borrowings
245
165
165
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
8
Market Capitalization
238
236
255

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
522
621
636
Accounts Receivable, Net
16
17
16
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
25
25
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.4%
14.93%
29.16%
Free Cash Flow
231.96%
293.22%
39.59%
Net Income, GAAP
43.09%
21.07%
34.45%
Sales/Revenue/Turnover
23.58%
14.62%
20.27%
Total Cash Common Dividend
28.09%
12.39%
9.34%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
24
27
29
30
110
2025
30
35
35
- -
132
2026
39
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.76
1
1.13
- -
4.09
2025
1.09
1.56
- -
- -
- -
2026
1.81
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.5
- -
- -
- -
0.5
2025
0.54
- -
- -
- -
- -
2026
1
- -
- -
- -
- -
Similar Companies
Marathon Bancorp, Inc. (MBBC)
The Bank of Iwate, Ltd. (8345.T)
ACNB Corporation (ACNB)
Krung Thai Bank Public Company Limited (KGTFY)
Fukuoka Financial Group, Inc. (FKKFF)
Fifth District Savings Bank (FDSB)
Business
River Financial Corporation (RVRF) is a bank holding company for River Bank & Trust, a full-service commercial bank that provides a range of financial services to small- and medium-sized businesses, organizations, entrepreneurs, and individuals primarily in Alabama; the bank accepts demand, time, savings, and other deposits, including negotiable order of withdrawal accounts, interest-bearing transaction accounts, money market accounts, and certificates of deposit, while offering commercial real estate term loans, residential mortgage loans, construction and land development loans, home equity lines of credit, commercial and industrial loans, consumer loans for automobiles and other durable goods, SBA 7(a) and 504 loans as a preferred SBA lender, debit and credit cards, electronic banking, wealth management products, investments, and home lending services. Headquartered in Prattville, Alabama, the company was founded in 2006 through the efforts of local business leaders who raised nearly $25 million in common stock from investors, leading to the opening of River Bank & Trust that April; it now operates 23 branches across Alabama with total assets exceeding $3.7 billion, up from $3.58 billion at year-end 2024 which reflected growth in net loans, cash equivalents, and deposits to $3.07 billion driven by organic expansion. In recent developments, River Financial Corporation reported net income of $40.43 million for the trailing twelve months ended September 30, 2025, supported by revenue of $121.10 million and net interest income growth, while maintaining strong capital ratios including a total risk-based capital ratio of 13.15%; the company also unveiled a new stock incentive plan authorizing up to 500,000 common shares for issuance, primarily to executives, and continues to prioritize organic growth without near-term cash dividends to common stockholders amid solid financial health evidenced by a return on assets of 1.13% and return on equity of 16.14%.