OTCPK:RVRF

Stock Analysis Report

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

RVRFIndustryMarket
7 Day0%-1.8%-1.6%
30 Dayn/a-10.1%-5.7%
90 Dayn/a-5.0%0.2%
1 Yearn/a-13.7%-16.1%-0.8%-3.0%
3 Yearn/a37.9%28.5%38.1%29.1%
5 Yearn/a49.3%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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RVRFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/25 00:45
End of Day Share Price2019/08/09 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.