Two Rivers Financial Group Past Earnings Performance
Past criteria checks 1/6
Two Rivers Financial Group's earnings have been declining at an average annual rate of -9.7%, while the Banks industry saw earnings growing at 9.7% annually. Revenues have been growing at an average rate of 3.1% per year. Two Rivers Financial Group's return on equity is 8.9%, and it has net margins of 20%.
Key information
-9.7%
Earnings growth rate
-7.5%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 3.1% |
| Return on equity | 8.9% |
| Net Margin | 20.0% |
| Last Earnings Update | 31 Dec 2022 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses BreakdownBeta
How Two Rivers Financial Group makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 22 | 42 | 8 | 0 | 0 |
| 31 Dec 21 | 40 | 9 | 0 | 0 |
| 31 Dec 20 | 63 | 20 | 0 | 0 |
| 31 Dec 19 | 44 | 6 | 0 | 0 |
| 31 Dec 18 | 44 | 8 | 0 | 0 |
| 31 Dec 17 | 41 | 5 | 0 | 0 |
| 31 Dec 16 | 39 | 5 | 0 | 0 |
| 31 Dec 15 | 39 | 5 | 0 | 0 |
| 31 Dec 14 | 44 | 9 | 0 | 0 |
| 31 Dec 13 | 42 | 6 | 0 | 0 |
Quality Earnings: TRVR has high quality earnings.
Growing Profit Margin: TRVR's current net profit margins (20%) are lower than last year (22.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if TRVR's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: TRVR's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: TRVR had negative earnings growth (-9.7%) over the past year, making it difficult to compare to the Banks industry average (-12.4%).
Return on Equity
High ROE: TRVR's Return on Equity (8.9%) is considered low.