RVRF Research | Milton Maxwell

RVRF

River Financial Corporation

40.00

+0.00+0%

Dec 16, 4:00:00 PM EST

Upcoming Earnings

Report date

≈ -/-

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

310.00M

P/E (TTM)

7.72

Basic EPS (TTM)

5.18

Dividend Yield

0.01%

Recent Filings

8-K

1/26/26Jan 26, 2026

8-K

1/20/26Jan 20, 2026

10-Q

Q3 FY2025 results

11/4/25Nov 4, 2025

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%

10/20/25Oct 20, 2025

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

8/5/25Aug 5, 2025

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.

About

River Financial Corporation operates as the bank holding company for the River Bank & Trust that provides financial services to small to medium-sized businesses, organizations, entrepreneurs, and individuals in the United States. The company accepts demand, time, savings, and other deposits, including negotiable orders of withdrawal accounts; and 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 that consists of loans to purchase automobiles and other consumer durable goods. In addition, the company provides investment brokerage; commercial and retail online banking, automated bill payment, mobile banking, and remote deposit capture services; and loans and investments amortization and prepayment services. River Financial Corporation was founded in 2006 and is headquartered in Prattville, Alabama.

CEO

Mr. James Milton Stubbs

IPO

10/8/2018

Website

https://riverbankandtrust.com

Employees

334

Sector

Financial Services

Industry

Banks - Regional