RVRF
River Financial Corporation40.00
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
310.00MP/E (TTM)
7.72Basic EPS (TTM)
5.18Dividend Yield
0.01%Recent Filings
10-Q
Q3 FY2025 results
River Financial posted Q3 net income of $10.7M, up 23% y/y from $8.7M, fueled by net interest income jumping 31% to $31.4M on 9% loan growth to $2.64B average and richer yields—while deposit costs edged lower. Diluted EPS hit $1.36 on 7.84M shares, matching YTD $3.99 trend. Loans swelled 6% q/q; deposits climbed 9% YTD to $3.35B, padding cash to $244M amid $42M operating cash flow. FHLB debt sits at $150M; revolver access strong. Non-GAAP metrics not disclosed in the 10-Q. Loans lean heavy on real estate. Competition from bigger banks crimps deposit pricing.
8-K
TBVPS up 20.2%
River Financial Corporation reported Q3 results on October 20, 2025, boasting a 20.2% jump in tangible book value per share to $32.90 from $27.37 year-over-year. Net income surged 41.2% YTD to $31.2 million, assets hit $3.84 billion up 10%, while nonperforming loans dropped to 0.29%. Stronger margins fueled growth. It also tweaked its insider trading policy to extend trading windows.
10-Q
Q2 FY2025 results
River Financial crushed Q2 FY2025 with net income jumping 58% y/y to $12.1M ($1.54 diluted EPS), fueled by net interest income soaring 31% y/y to $29.5M on loan yields climbing to 6.53% while deposit costs eased. Loans grew $77M q/q to $2.56B, deposits swelled $155M YTD to $3.22B, and cash hit $204M; FHLB advances dropped to $150M with $329M available. Noninterest income rose on mortgage ops, though securities sales nicked $99K. Provision covered portfolio growth at $1.7M. Loans tied to real estate. Competition from bigger banks squeezes margins.
8-K
Stockholders elect directors, approve plan
River Financial Corporation's stockholders overwhelmingly elected eight directors—including new member Jerry C. Kyser, Jr.—at its May 13, 2025 annual meeting, with votes for topping 4.1 million each. They also approved the 2025 Incentive Stock Compensation Plan by a wide margin: 3,990,712 for versus 17,858 against. Governance stays steady.
10-Q
Q1 FY2025 results
River Financial crushed Q1 with net income jumping 45.6% y/y to $8.5M ($1.08 diluted EPS), fueled by net interest income soaring 28.6% y/y to $27.8M on loan growth to $2.54B (up 2.0% q/q) and yields climbing to 6.46% from 6.07%. Deposits swelled 3.0% q/q to $3.16B, funding the expansion while FHLB advances dropped to $150M; cash held steady at $185M. Securities sales triggered a $3.4M loss, trimming noninterest income, yet profitability hummed. Loans stayed pristine at 0.33% nonperforming. Balance sheet flexes strong. Yet real estate concentration looms large.
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