RVRF

River Financial Corporation

Financial Services Banks - Regional

Portfolio

Watchlist

50.0 USD 0.00(0%)

Last update at 2026-11-11T21:00:00Z

VOLUME

500

Market Cap

237.42M

P/E

8.64

Momentum Score

…

River Financial Corporation operates as the bank holding company for the River Bank & Trust that provides various financial services to businesses, business owners, and professionals in the United States. The company accepts demand, time, savings, and other deposits, including negotiable orders of withdrawal accounts, as well as interest-bearing transaction accounts, money market accounts, and certificates of deposit. It also offers commercial real estate term loans, residential mortgage loans, and construction and land development loans; home equity lines of credit; commercial and industrial loans; and consumer loans comprising loans to purchase automobiles and other consumer durable goods. In addition, the company provides commercial and retail online banking, automated bill payment, mobile banking, and remote deposit capture services. River Financial Corporation was founded in 2006 and is headquartered in Prattville, Alabama.

Source: TradingView
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Day Price Range

50.00

Low

50.00

High

52 Week Price Range

29.00

Low

34.00

High

Momentum Score

…

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close

50.00

Dividend Yield

Revenue TTM

90.98M

Revenue Per Share

13.55

Gross Profit TTM

87.29M

Debt / Equity

0.97

ROE

16.84%

Net Debt

55.43M

ROCE

1.63%

Diluted EPS TTM

3.59

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31
Income before tax	35.88M	32.20M	21.68M	14.58M	10.89M
Net income	27.93M	25.04M	17.09M	11.11M	8.51M
Selling general administrative	33.68M	29.61M	24.11M	18.94M	15.27M
Selling and marketing expenses	1.13M	0.76M	0.55M	0.66M	0.66M
Gross profit	91.13M	80.69M	67.08M	50.31M	38.84M
Reconciled depreciation	2.90M	2.58M	2.74M	2.63M	1.68M
Ebit	45.86M	32.20M	21.68M	14.58M	15.57M
Ebitda	48.76M	34.78M	24.43M	17.22M	17.25M
Depreciation and amortization	2.90M	2.58M	2.74M	2.63M	1.68M
Operating income	45.86M	32.20M	21.68M	14.58M	15.57M
Other operating expenses	-45.27M	-48.49M	-45.40M	-35.73M	23.27M
Interest expense	9.98M	5.65M	8.13M	8.50M	4.68M
Tax provision	7.95M	7.16M	4.59M	3.47M	2.38M
Interest income	88.87M	71.80M	63.41M	48.83M	36.69M
Net interest income	78.89M	66.15M	55.27M	40.33M	32.00M
Income tax expense	7.95M	7.16M	4.59M	3.47M	2.38M
Total revenue	91.13M	80.69M	67.08M	50.31M	38.84M
Total operating expenses	-45.27M	-48.49M	-45.40M	-35.73M	-23.27M
Total other income expense net	-9.98M	-5.65M	-8.13M	-8.50M	-4.68M
Net income from continuing ops	27.93M	25.04M	17.09M	11.11M	8.51M
Net income applicable to common shares	27.93M	25.04M	17.09M	11.11M	8.51M

Breakdown	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31
Total assets	2833.38M	2395.68M	1864.65M	1363.94M	1070.46M
Intangible assets	2.12M	2.98M	4.05M	5.32M	5.58M
Other current assets	4.17M	461.57M	-537.14M	638.51M	506.99M
Total liab	2695.20M	2213.00M	1696.47M	1216.91M	958.99M
Total stockholder equity	138.19M	182.68M	168.18M	147.03M	111.48M
Other current liab	-30.54M	-12.73M	-8.79M	-10.13M	-5.34M
Common stock	6.67M	6.57M	6.53M	6.49M	5.69M
Capital stock	6.67M	6.57M	6.53M	6.49M	5.69M
Retained earnings	100.83M	75.81M	53.39M	38.64M	29.46M
Other liab	12.54M	3.12M	8.35M	9.36M	6.22M
Good will	27.82M	27.82M	27.82M	27.82M	18.29M
Other assets	1210.81M	461.57M	754.01M	638.51M	730.81M
Cash	78.99M	55.87M	52.92M	50.29M	52.25M
Total current liabilities	13.40M	12.73M	8.79M	10.13M	5.34M
Current deferred revenue	30.54M	-	-	-	-
Net debt	55.43M	-16.53M	-32.53M	-26.52M	-5.29M
Short term debt	95.00M	-	-	3.39M	3.17M
Short long term debt	-	-	-	3.39M	3.17M
Short long term debt total	134.42M	39.34M	20.39M	23.77M	46.96M
Other stockholder equity	102.26M	101.52M	99.95M	100.08M	79.49M
Property plant equipment	40.21M	36.70M	32.50M	33.47M	26.83M
Total current assets	754.96M	939.66M	553.00M	357.44M	791.13M
Long term investments	2579.70M	2188.18M	1193.78M	303.30M	228.63M
Net tangible assets	108.25M	151.88M	136.31M	112.06M	86.26M
Short term investments	665.89M	876.76M	493.27M	303.30M	228.63M
Net receivables	10.08M	7.03M	6.80M	3.84M	3.26M
Long term debt	39.42M	39.34M	20.39M	23.77M	46.96M
Inventory	0.61M	0.26M	0.24M	1.40M	0.50M
Accounts payable	13.40M	12.73M	8.79M	10.13M	5.34M
Accumulated other comprehensive income	-71.56M	-1.22M	8.31M	1.81M	-3.17M
Common stock total equity	6.67M	6.57M	6.53M	-	-
Retained earnings total equity	100.83M	75.81M	53.39M	-	-
Treasury stock	-0.31M	-0.07M	-0.76M	-	-
Non currrent assets other	-30.54M	-6.25M	-1.62M	-0.78M	-1.18M
Non current assets total	867.61M	994.45M	557.64M	367.99M	279.33M
Long term debt total	39.42M	39.34M	20.39M	-	-

Breakdown	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31
Type	yearly	yearly	yearly	yearly	yearly
Date	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31
Investments	29.97M	-454.06M	-185.51M	-67.89M	65.08M
Change to liabilities	0.67M	3.94M	-1.34M	0.00M	0.00M
Total cashflows from investing activities	-513.48M	-550.94M	-468.30M	-114.55M	-44.61M
Net borrowings	93.43M	15.05M	1.56M	-22.46M	24.56M
Total cash from financing activities	478.87M	511.41M	478.25M	103.46M	64.01M
Change to operating activities	16.04M	7.34M	-22.29M	-3.27M	2.05M
Net income	27.93M	25.04M	17.09M	11.11M	8.51M
Change in cash	12.86M	1.69M	14.81M	-2.05M	31.95M
Begin period cash flow	61.96M	60.27M	45.45M	47.51M	15.56M
End period cash flow	74.83M	61.96M	60.27M	45.45M	47.51M
Total cash from operating activities	47.47M	41.22M	4.87M	9.04M	12.54M
Issuance of capital stock	1.13M	1.54M	0.20M	0.53M	9.26M
Depreciation	2.90M	2.58M	2.74M	2.63M	1.68M
Other cashflows from investing activities	-537.90M	-91.16M	-280.37M	-6.23M	0.55M
Dividends paid	-2.92M	-2.61M	-2.34M	-1.88M	1.43M
Change to inventory	-	-	-	-	-789.83M
Change to account receivables	-3.05M	-0.23M	-2.96M	-0.20M	0.12M
Sale purchase of stock	-1.36M	-0.84M	-0.86M	-0.58M	-0.15M
Other cashflows from financing activities	532.02M	533.72M	484.63M	128.58M	161.72M
Change to netincome	14.45M	10.71M	-12.64M	0.06M	0.19M
Capital expenditures	5.54M	5.71M	2.42M	3.16M	0.77M
Change receivables	-3.05M	-0.23M	-2.96M	-	-
Cash flows other operating	4.50M	-5.11M	-4.46M	-	-
Cash and cash equivalents changes	12.86M	1.69M	14.81M	-	-
Change in working capital	12.91M	7.11M	-25.25M	-3.47M	2.17M
Stock based compensation	0.50M	0.18M	0.22M	0.18M	0.07M
Other non cash items	3.94M	7.75M	13.09M	-0.38M	0.80M
Free cash flow	41.93M	35.51M	2.45M	5.88M	11.78M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name	Change (USD)	Price (USD)	Trailing PE (x)	Forward PE (x)	Price Sales TTM (x)	Price to Book Value (x)
RVRF River Financial Corporation	- -%	50.00	8.64	-	2.61	1.37
DBSDY DBS Group Holdings Ltd ADR	-0.76 0.34%	219.92	20.00	17.57	7.54	3.17
CIHHF China Merchants Bank Co Ltd Class H	- -%	6.62	7.70	7.10	0.55	0.83
CIHKY China Merchants Bank Co Ltd	0.28 0.82%	34.49	7.79	7.20	0.55	0.85
UNCFF UniCredit SpA	-0.46 0.49%	92.86	11.53	10.27	5.72	1.83

Profile*

River Financial Corporation

Address

2611 Legends Drive, Prattville, AL, United States, 36066

Contact

334 290 1012

Website

https://www.riverbankandtrust.com

Employees

342

Name	Title	Year Born
Mr. James Milton Stubbs	CEO & Director	1963
Mr. Gerald Ray Smith Jr.	Pres & Director	1955
Mr. Jason B. Davis CPA	Exec. VP, CFO & Sec. of the Board of Directors	1979
Mr. Eugene C. Crane	Exec. VP & Bus. Banking Mang.	1965
Ms. Rebecca Hallman	Assistant VP of Investor Relations & HR Director	NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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