RVRFOTCState Commercial BanksFiscal year ends December 31
River Financial Corp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 4, 2026
$50.00+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $397.37M
- P/E (TTM)
- 8.0
- Dividend yield
- 1.08%
Margins
Share of revenue, fiscal years 2013 to 2025
Net margin
31.9%+6.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +20.3% | +13.2% | +14.5% | +22.1% | |
| Net income | +34.4% | +14.7% | +19.8% | +33.3% | |
| EPS, diluted | +32.8% | +9.1% | +15.7% | +21.6% | |
| Free cash flow | +39.6% | +2.6% | +79.2% | +29.7% | |
| Dividend per share | +8.0% | +7.1% | +8.4% | +14.5% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.1% | 11.0% | 16.2% | |
| Return on assets | 1.0% | 1.1% | 1.1% | |
| Capex to revenue | 5.4% | 3.6% | 6.4% | |
| Diluted shares | 5M | 7M | 8M |
Where the cash went
Fiscal 2021 to 2025, five years combined
River Financial generated $203.52M from operations and spent $55.59M on capital expenditure, dividends and share buybacks. 56% of that went back into the business.
Generated
$203.52M
Used
$55.59M
Capital expenditure$31.29M56%Dividends$16.76M30%Share buybacks$7.54M14%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin31.9%
×Asset turnover0.04×
×Equity multiplier14.15×
=Return on equity, FY202516.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 31.9% | 0.04× | 14.15× | 16.2% |
| FY2024 | 28.5% | 0.03× | 16.03× | 14.7% |
| FY2023 | 26.8% | 0.03× | 18.26× | 16.1% |
| FY2022 | 30.6% | 0.03× | 16.67× | 17.8% |
| FY2021 | 31.0% | 0.04× | 12.31× | 14.5% |
| FY2020 | 25.5% | 0.04× | 10.36× | 11.0% |
| FY2019 | 22.1% | 0.04× | 9.53× | 8.7% |
| FY2018 | 21.9% | 0.04× | 9.51× | 8.5% |
| FY2017 | 23.1% | 0.04× | 9.56× | 9.7% |
| FY2016 | 24.1% | 0.04× | 9.77× | 10.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$42.11M
- Cash generatingOperating cash flow above zero$53.74M
- Return on assets improvedROA up on the prior year1.0% → 1.2%
- Earnings backed by cashOperating cash flow above net income$53.74M vs $42.11M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise8M → 8M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04