River Financial Corp.

RVRF

RVRFRiver Financial Corp. US flag

Other OTC

48.00

USD

- -

375.03MMarket Cap

Income Statement (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	18	33	36	39	50	67	81	91	100	110	132
+ Sales & Services Revenue	18	33	36	39	50	67	81	91	100	110	132
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-4	-11	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	8	13	14	16	20	25	30	35	43	44	49
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-8	-13	-14	-16	-20	-25	-30	-35	-43	-44	-49
Operating Income (Loss)	4	11	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	- -	-13	-11	-15	-22	-32	-36	-34	-41	-55
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	-13	-11	-15	-22	-32	-36	-34	-41	-55
Pretax Income	4	11	13	11	15	22	32	36	34	41	55
- Income Tax Expense (Benefit)	1	4	5	2	3	5	7	8	7	10	12
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	2	8	8	9	11	17	25	28	27	31	42
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	2	8	8	9	11	17	25	28	27	31	42
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	2	8	8	9	11	17	25	28	27	31	42
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	2	8	8	9	11	17	25	28	27	31	42
EBIT	4	11	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	4	13	2	2	3	3	3	3	4	4	4
EBITDA Margin (%)	23.09	39.28	4.2	4.33	5.24	4.09	3.19	3.18	3.56	3.41	2.82
EBITA	4	11	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	20.18	34.73	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	13.15	24.06	23.13	21.9	22.09	25.48	31.03	30.65	26.76	28.51	31.87
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.08	0.16	0.25	0.27	0.32	0.36	0.4	0.44	0.46	0.5	0.54
Depreciation Expense	1	1	2	2	3	3	3	3	4	4	4
Basic Weighted Avg Shares	5	5	5	5	6	6	7	7	7	8	8
Basic EPS, GAAP	0.47	1.55	1.63	1.63	1.9	2.63	3.83	4.21	3.84	4.09	5.43
Basic EPS from Cont Ops	0.47	1.55	1.63	1.63	1.9	2.63	3.83	4.21	3.84	4.09	5.43
Diluted Weighted Avg Shares	5	5	5	5	6	7	7	7	7	8	8
Diluted EPS, GAAP	0.47	1.55	1.6	1.6	1.87	2.6	3.79	4.14	3.78	4.05	5.38
Diluted EPS from Cont Ops	0.47	1.55	1.6	1.6	1.87	2.6	3.79	4.14	3.78	4.05	5.38

Balance Sheet (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	182	231	214	281	354	546	933	745	666	522	639
+ Cash & Cash Equivalents	37	48	21	52	50	53	56	79	45	123	121
+ ST Investments	145	183	193	229	303	493	877	666	621	399	518
+ Accounts & Notes Receiv	2	2	2	3	4	7	7	10	14	23	48
+ Accounts Receivable, Net	2	2	2	3	4	7	7	10	14	16	17
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	7	31
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-184	-234	-217	-284	-357	-553	-940	-755	-680	-545	-688
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	21	21	22	27	32	33	37	40	45	46	51
+ Property, Plant & Equip	24	26	27	33	39	41	47	52	60	63	72
- Accumulated Depreciation	3	4	5	6	7	9	10	12	14	18	21
+ LT Investments & Receivables	145	183	193	229	303	493	927	797	748	733	746
+ LT Investments	145	183	193	229	303	493	927	797	748	733	746
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-165	-205	-215	-255	-335	-526	-964	-838	-793	-779	-797
+ Total Intangible Assets	12	12	12	24	33	32	31	30	29	29	28
+ Goodwill	9	10	10	18	28	28	28	28	28	28	28
+ Other Intangible Assets	3	2	2	6	5	4	3	2	1	1	1
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-177	-217	-227	-279	-368	-558	-994	-868	-822	-807	-825
Total Assets	718	810	823	1,070	1,364	1,865	2,396	2,833	3,235	3,582	3,787
+ Payables & Accruals	7	4	3	5	10	9	13	13	- -	- -	- -
+ Accounts Payable	5	4	3	5	10	9	13	13	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-7	-4	-3	-5	-10	-9	-13	-13	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-7	-4	-3	-5	-10	-9	-13	-13	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	10	6	15	47	24	20	39	134	269	245	140
+ LT Borrowings	10	6	15	47	24	20	39	134	269	245	140
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-10	-6	-15	-47	-24	-20	-39	-134	-269	-245	-140
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-10	-6	-15	-47	-24	-20	-39	-134	-269	-245	-140
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	643	728	733	959	1,217	1,696	2,213	2,695	3,032	3,350	3,488
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	67	70	70	85	107	107	108	111	145	145	148
+ Common Stock	5	5	5	6	6	7	7	7	8	8	8
+ Additional Paid in Capital	62	65	65	80	100	101	102	104	137	137	141
- Treasury Stock	1	- -	- -	- -	- -	1	- -	- -	- -	2	2
+ Retained Earnings	8	15	22	29	39	53	76	101	124	152	190
+ Other Equity	1	-2	-2	-3	2	8	-1	-72	-64	-62	-33
Equity Before Minority Interest	75	82	90	111	147	168	183	138	203	232	300
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	75	82	90	111	147	168	183	138	203	232	300
Total Liabilities & Equity	718	810	823	1,070	1,364	1,865	2,396	2,833	3,235	3,582	3,787
Shares Outstanding	5	5	5	6	6	7	7	7	8	8	8
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-27	-42	-5	-5	-27	-33	-17	55	225	122	18
Net Debt to Equity	-35.46	-50.37	-6.02	-4.75	-18.04	-19.34	-9.05	40.11	110.8	52.38	6.05
Tangible Common Equity Ratio	8.89	8.8	9.65	8.37	8.56	7.44	6.42	3.86	5.41	5.72	7.22
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	2	8	8	9	11	17	25	28	27	31	42
+ Depreciation & Amortization	1	1	2	2	3	3	3	3	4	4	4
+ Non-Cash Items	1	- -	1	- -	-1	10	6	4	2	4	10
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1
+ Deferred Income Taxes	-1	1	1	-1	-1	-3	-1	-1	-2	-2	-1
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	-1	- -	1	- -	13	8	4	3	5	10
+ Chg in Non-Cash Work Cap	2	-6	3	2	-3	-25	8	13	-8	-3	-2
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	-3	- -	-3	-4	-2	-2
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	2	-1	- -	1	4	-1	4	1	2	- -	5
+ Inc (Dec) in Other	- -	-5	4	1	-7	-21	4	15	-6	-1	-5
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	5	3	14	13	9	5	42	47	24	36	54
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-2	-1	-1	-3	-2	-6	-6	-8	-4	-8
+ Acq of Fixed Prod Assets	-2	-2	-1	-1	-3	-2	-6	-6	-8	-4	-8
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	9	- -	-1	1	- -	33	-1	- -
+ Increase in Capital Stock	- -	- -	- -	9	1	- -	2	1	34	1	2
+ Decrease in Capital Stock	- -	- -	-1	- -	-1	-1	-1	-1	-1	-3	-2
+ Net Change in LT Investment	18	-45	-12	63	-69	-186	-454	30	57	14	-8
+ Dec in LT Investment	39	44	41	90	83	114	294	241	62	162	288
+ Inc in LT Investment	-20	-88	-53	-28	-152	-300	-748	-211	-5	-148	-296
+ Net Cash From Acq & Div	11	- -	- -	22	31	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	11	- -	- -	22	31	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-42	-40	-33	-129	-73	-280	-92	-538	-441	-246	-223
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-15	-86	-46	-45	-115	-468	-552	-513	-392	-235	-239
+ Dividends Paid	- -	-1	-1	-1	-2	-2	-3	-3	-3	-4	-4
+ Net Cash From Debt	-2	-4	9	32	-23	-3	19	120	110	-25	-105
+ Cash From Debt	- -	8	50	137	- -	- -	39	170	416	105	- -
+ Repayments of Debt	-2	-12	-41	-105	-23	-3	-20	-50	-306	-130	-105
+ Other Financing Activities	18	100	-3	25	129	485	494	362	225	343	238
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	15	95	5	64	103	478	511	479	365	313	128
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	6	11	-27	32	-2	15	2	13	-2	113	-57
EBITDA	4	13	2	2	3	3	3	3	4	4	4
EBITDA Margin (%)	23.09	39.28	4.2	4.33	5.24	4.09	3.19	3.18	3.56	3.41	2.82
Free Cash Flow	3	1	13	12	6	2	36	42	17	32	45
Net Cash Paid for Acquisitions	-11	- -	- -	-22	-31	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	3	1	13	12	6	2	36	42	17	32	45
Free Cash Flow to Equity	- -	-3	22	43	-17	-1	55	162	127	7	-60
Free Cash Flow per Basic Share	0.66	0.22	2.49	2.26	1.01	0.38	5.52	6.31	2.37	4.23	5.84
Price/Free Cash Flow	- -	- -	- -	11.97	13.6	18.91	3.9	4.33	6.57	6.04	5.03
Cash Flow to Net Income	2.29	0.36	1.68	1.47	0.81	0.29	1.67	1.7	0.91	1.15	1.28
Capital Expenditures	-2	-2	-1	-1	-3	-2	-6	-6	-8	-4	-8