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River Financial(OTC) RVRF

Market Cap$359.41MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2018)+149%
5 Year+85%
1 Year+35%
1 Month-4%
$46.00
+0.00%
+0.00Today
River Financial last closing stock price
MetricPriceDate
Last closeUSD 46.002026-07-28
River Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-4.17%USD 48.002026-06-26
1 month-4.17%USD 48.002026-06-26
3 month-11.96%USD 52.252026-04-28
Year to date+17.35%USD 39.202025-12-31
1 year+35.08%USD 34.062025-07-24
3 year+67.44%USD 27.472023-07-19
5 year+84.65%USD 24.912021-07-23
Since inception+148.82%USD 18.492018-10-08

River Financial Financials at a Glance

Market Cap

$359.41MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$216.45M

Net Income (TTM)

$49.56M

EPS (TTM)

$6.28

P/E Ratio

7.32

Dividend

$1.00

Beta (Volatility)

-0.01 (Low)

Price

$46.00

Volume

100

Open

$46.00

Previous Close

$46.00

Daily Range

$46.00 - $46.00

52-Week Range

$32.50 - $52.25

Estimated Earnings Date

Aug 4, 2026

RVRF News

No articles available.

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About River Financial

River Financial helps local businesses and individuals manage money and access loans. Its checking accounts and business loans support daily financial needs. Customers use these services for payments, savings, and funding projects.

Money Moves: River’s Core Offerings

  • Deposit Accounts: Checking, savings, and certificates of deposit for individuals and businesses.
  • Lending Services: Loans for homes, businesses, construction, and consumer needs; 76.6% of loans secured by real estate.
  • Digital Banking: Online and mobile banking, bill pay, and remote deposit for easy account access.
  • Investment and Insurance: Brokerage services and bank-owned life insurance for business and personal clients.
  • Specialty Loans: Agricultural, municipal, and home equity lines of credit for targeted customer segments.

Branching Out: Growth and Expansion

  • Opened new loan production offices in Tuscaloosa, Alabama and Destin, Florida by the end of 2025.
  • Expanded to 23 full-service banking offices across Alabama by 2025.
  • Increased hiring of bankers to support organic growth and customer acquisition in 2025.
  • Invested in digital banking and cybersecurity infrastructure during 2024-2025.
  • Focused on organic growth, with select acquisitions supplementing expansion since 2018 IPO.

Why River Stands Out (Without Getting Wet)

River focuses on community banking, using local knowledge to build strong customer relationships. Its “deposit first” approach provides stable funding and supports conservative lending. The company maintains capital ratios above regulatory minimums, supporting growth and risk management.

Five Things You Need to Know

  • Total assets reached $3.79 billion at December 31, 2025, up 5.7% year-on-year.
  • Net income was $42.1 million in 2025, up 34.5% from 2024.
  • Net interest income rose to $121.7 million in 2025, up 28.8% year-on-year.
  • Return on average equity improved to 16.01% in 2025 from 14.60% in 2024.
  • Noninterest income fell 32.2% in 2025, mainly due to investment security losses.

Bottom Line

River has grown by focusing on local markets, stable funding, and digital services. Its conservative approach and strong capital position support steady performance in a competitive regional banking sector.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

377

CEO

James Milton Stubbs, EMBA

Website

riverbankandtrust.com

Headquarters

Prattville, AL 36066, US

RVRF Financials

Key Financial Metrics (TTM)

Gross Margin

46.65%

Operating Margin

21.50%

Net Income Margin

22.89%

Return on Equity

16.56%

Return on Capital

12.24%

Return on Assets

1.23%

Earnings Yield

13.66%

Dividend Yield

2.17%

Payout Ratio

15.80%

Stock Overview

Market Cap

$359.41MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

7.81M

Volume

100

Avg. Volume

29.937

Financials (TTM)

Gross Profit

$100.97M

Operating Income

$46.54M

EBITDA

$48.36M

Operating Cash Flow

$54.06M

Capital Expenditure

-$2.39M

Free Cash Flow

$55.09M

Cash & ST Invst.

$729.22M

Total Debt

$0.00

River Financial Performance Analysis

River Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 101,117,00017.0%
20232023-12-31USD 152,794,00051.1%
20242024-12-31USD 185,236,00021.2%
20252025-12-31USD 207,981,00012.3%
River Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-1.2%
Q42025-12-311.9%
Q12026-03-315.7%
Q22026-06-30-6.5%
River Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.149.3%
20232023-12-31USD 3.78-8.5%
20242024-12-31USD 4.057.0%
20252025-12-31USD 5.3832.7%
River Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-11.7%
Q42025-12-312.2%
Q12026-03-3130.2%
Q22026-06-30-2.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$53.12M

-0.5%

Gross Profit

$0.00

-100.0%

Gross Margin

0.00%

N/A

Market Cap

$359.41MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$953.33K

N/A

Employees

377

N/A

Net Income

$13.85M

+14.6%

EBITDA

$0.00

-100.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$729.22M

+14.7%

Total Debt

$0.00

-100.0%

Accounts Receivable

$18.84M

+18.1%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$0.00

-100.0%

Return on Assets

1.23%

N/A

Return on Invested Capital

1.16%

N/A

Free Cash Flow

$6.37M

+93.1%

Operating Cash Flow

$4.26M

-3.3%

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Questions About RVRF

What is the current price of River Financial?

River Financial is trading at $46.00 per share.

What is the 52-week range for River Financial?

Over the past 52 weeks, River Financial has traded between $32.50 and $52.25.

How much debt does River Financial have?

As of the most recent reporting period, River Financial reported total debt of $181.79M.

How much cash does River Financial have on hand?

River Financial does not have cash on hand data available.

What is River Financial’s dividend yield?

River Financial currently has a dividend yield of 2.17%.

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