River Financial
Market Cap
US$159.8m
Last Updated
2019/08/25 00:45 UTC
Data Sources
Company Financials
Executive Summary
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.
Snowflake
Fundamentals
Flawless balance sheet and overvalued.
Risks
- River Financial is not covered by any analysts.
Share Price & News
How has River Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
0%
OTCPK:RVRF
-1.8%
US Banks
-1.6%
US Market
1 Year Return
n/a
OTCPK:RVRF
-16.1%
US Banks
-3.0%
US Market
No trading data on RVRF.
No trading data on RVRF.
Share holder returns
| RVRF | Industry | Market | |
|---|---|---|---|
| 7 Day | 0% | -1.8% | -1.6% |
| 30 Day | n/a | -10.1% | -5.7% |
| 90 Day | n/a | -5.0% | 0.2% |
| 1 Year | n/a | -13.7%-16.1% | -0.8%-3.0% |
| 3 Year | n/a | 37.9%28.5% | 38.1%29.1% |
| 5 Year | n/a | 49.3%33.2% | 50.8%34.1% |
Price Volatility Vs. Market
How volatile is River Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is River Financial undervalued based on future cash flows and its price relative to the stock market?
16.5x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
River Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
River Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
River Financial is overvalued based on earnings compared to the US Banks industry average.
River Financial is good value based on earnings compared to the United States of America market.
Price Based on Expected Growth
Unable to calculate PEG ratio for River Financial, we can't assess if its growth is good value.
Price Based on Value of Assets
River Financial is overvalued based on assets compared to the US Banks industry average.
Next Steps
Future Growth
How is River Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?
8.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Unable to determine if River Financial is high growth as no revenue estimate data is available.
River Financial's earnings are expected to grow by 8.9% yearly, however this is not considered high growth (20% yearly).
Unable to compare River Financial's revenue growth to the United States of America market average as no estimate data is available.
River Financial's earnings growth is positive but not above the United States of America market average.
River Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Earnings per Share Growth Estimates
Future Return on Equity
Unable to establish if River Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
Next Steps
Past Performance
How has River Financial performed over the past 5 years?
24.7%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
River Financial has delivered over 20% year on year earnings growth in the past 5 years.
River Financial's 1-year earnings growth is less than its 5-year average (10.2% vs 24.7%)
River Financial's earnings growth has not exceeded the US Banks industry average in the past year (10.2% vs 33.1%).
Return on Equity
River Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
Return on Assets
River Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if River Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is River Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Information is not available.
Information is not available.
Financial Institutions Analysis
River Financial has an acceptable proportion of non-loan assets held.
River Financial has a sufficient allowance for bad loans.
River Financial's liabilities are made up of primarily low risk sources of funding.
River Financial's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
Loans at River Financial are broadly funded by customer deposits.
River Financial has an acceptable level of bad loans (less than 2%).
Next Steps
Dividend
What is River Financial's current dividend yield, its reliability and sustainability?
1.18%
Current Dividend Yield
Dividend Yield and Payments Analysis
River Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).
River Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).
It is too early to tell whether River Financial has stable dividend payments.
River Financial only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to Shareholders
Dividends paid are well covered by earnings (5.1x coverage).
Future Payout to Shareholders
Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
Next Steps
Management
What is the CEO of River Financial's salary, the management and board of directors tenure and is there insider trading?
3.7yrs
Average management tenure
CEO
Jimmy Stubbs (56yo)
3.7yrs
Tenure
US$489,738
Compensation
Mr. James Milton Stubbs also known as Jimmy, is the Chief Executive Officer of River Bank & Trust and River Financial Corporation and serves on the Board of Directors of River Bank & Trust and River Financ ...
CEO Compensation Analysis
Jimmy's remuneration is lower than average for companies of similar size in United States of America.
Jimmy's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.
Management Age and Tenure
3.7yrs
Average Tenure
64yo
Average Age
The tenure for the River Financial management team is about average.
Board Age and Tenure
4.6yrs
Average Tenure
64yo
Average Age
The tenure for the River Financial board of directors is about average.
Insider Trading
No 3 month open market individual insider trading information.
Ownership Breakdown
Management Team
Becky Hallman
Assistant VP of Investor Relations & Human Resources Director
- Tenure: 0.0yrs
Jimmy Stubbs (56yo)
CEO & Director
- Tenure: 3.7yrs
- Compensation: US$489.74k
Ken Givens (65yo)
Executive VP
- Tenure: 8.6yrs
- Compensation: US$316.33k
Gerald Smith (64yo)
President & Director
- Tenure: 3.7yrs
- Compensation: US$440.14k
Board Members
Larry Puckett (76yo)
Chairman of the Board
- Tenure: 13.6yrs
- Compensation: US$15.00k
Jim Ridling (74yo)
Director
- Tenure: 13.6yrs
- Compensation: US$15.00k
Charles Herron (62yo)
Director
- Tenure: 0.3yrs
- Compensation: US$15.00k
Jimmy Stubbs (56yo)
CEO & Director
- Tenure: 3.7yrs
- Compensation: US$489.74k
Vernon Taylor (54yo)
Director
- Tenure: 13.6yrs
- Compensation: US$15.00k
William Neighbors (68yo)
Vice Chairman of the Board
- Tenure: 4.6yrs
- Compensation: US$15.00k
Gerald Smith (64yo)
President & Director
- Tenure: 3.7yrs
- Compensation: US$440.14k
John Freeman (70yo)
Director
- Tenure: 3.7yrs
- Compensation: US$15.00k
Charles Moore (43yo)
Director
- Tenure: 1.6yrs
Company Information
River Financial Corporation's company bio, employee growth, exchange listings and data sources
Key Information
- Name: River Financial Corporation
- Ticker: RVRF
- Exchange: OTCPK
- Founded: 2006
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$159.832m
- Shares outstanding: 5.71m
- Website: https://www.riverbankandtrust.com
Number of Employees
Location
- River Financial Corporation
- 2611 Legends Drive
- Prattville
- Alabama
- 36066
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| RVRF | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Jan 2017 |
Biography
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. ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/25 00:45 |
| End of Day Share Price | 2019/08/09 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.