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  2. •

    Financial Services

  3. •

    Banks - Regional
Two Rivers Financial Group, Inc.

Two Rivers Financial Group, Inc.

TRVR
Two Rivers Financial Group, Inc.US flagOther OTC
50.21
USD
- -
- -
105.82MMarket Cap
Two Rivers Financial Group, Inc.
TRVR
(Other OTC)

Recent

price

50.21

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
19.4
23.79
18.83
18.95
20.36
19.75
- -
20.68
Revenue per Share
2.42
9.27
4.24
3.92
3.37
3.96
- -
4.2
Basic EPS, GAAP
3.44
6.32
3.41
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
0.63
0.65
0.68
- -
- -
- -
- -
- -
Dividend per Share
30.33
39.21
43.44
- -
- -
- -
- -
- -
Book Value per Share
30.7
42.67
45.28
30.29
33.59
36.51
- -
40.47
Tangible Book Value per Share
2
2
2
2
2
2
- -
2
Basic Weighted Avg Shares
43
52
41
40
43
42
46
43
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
2
- -
- -
- -
- -
- -
Depreciation Expense
5
20
9
8
7
8
10
9
Net Income, GAAP
30.07
22.41
19.42
26.17
20.33
25.72
23.45
23.45
Effective Tax Rate (%)
12.48
38.97
22.52
20.69
16.55
20.05
22.79
20.29
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
46
36
10
44
75
51
36
40
LT Debt
83
103
107
93
98
103
118
110
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
26.56
10.18
17.62
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
51
41
40
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
- -
- -
Market Capitalization
77
76
71

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
19
53
56
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
3.1%
14.14%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
-7.44%
24.54%
Sales/Revenue/Turnover
- -
-2.1%
9.6%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
11
11
11
10
43
2024
10
10
10
11
42
2025
11
12
12
- -
46

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
1.11
- -
- -
- -
3.37
2024
0.69
- -
- -
- -
3.96
2025
1.13
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
Two Rivers Financial Group, Inc. (TRVR) is a financial holding company that, through its wholly owned subsidiaries Two Rivers Bank & Trust and Lee County Bank, provides commercial banking, trust, and investment services to individuals, businesses, and communities primarily in Iowa and surrounding states. The company offers personal banking products including checking and savings accounts, credit cards, financial planning, retirement services, personal loans, and home equity loans; business banking solutions such as business checking and savings accounts, business loans, debit and credit cards, retirement plans, and SBA loans; trust and investment management services; as well as insurance products through Two Rivers Insurance Services and employee benefit systems. Founded in 1904 and headquartered in Burlington, Iowa, it operates branches in Ankeny, Burlington, Coralville, Des Moines, Ft. Madison, Keokuk, Mediapolis, Mt. Pleasant, Urbandale, West Burlington, and West Point, with a loan production office in Davenport. In October 2025, Two Rivers Financial Group entered into a definitive agreement to merge with First Mid Bancshares, Inc. in an all-stock transaction valued at approximately $94.1 million, under which Two Rivers shareholders will receive 1.225 shares of First Mid common stock for each TRVR share, with the deal expected to close in the first quarter of 2026 subject to regulatory and shareholder approvals.

Company News

APIChat

  • globenewswire.com

    $HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of Two Rivers Financial Group, Inc. (OTCMKTS: TRVR)

  • otcprwire.com

    World Insurance Associates purchases Two Rivers Insurance Company

  • newsfilecorp.com

    World Insurance Associates Purchases Two Rivers Insurance Company