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River Financial Corp. (RVRF)

USD48.00 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 2611 Legends Drive 36066
Prattville, AL, US
CEO James Stubbs
IPO 2018-10-08
CIK 1641601 ISIN US76821P1012

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Description

River Financial Corporation operates as the bank holding company for River Bank & Trust that provides commercial and consumer banking services to small to medium-sized businesses, organizations, entrepreneurs, and individuals in Alabama and the Florida Panhandle. The company accepts demand, time, savings, and other deposits, including negotiable orders of withdrawal accounts, and amortization and prepayments of loans and investment; 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; loan approval; and consumer loans that consist 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 investment amortization and prepayment services. River Financial Corporation was founded in 2006 and is headquartered in Prattville, Alabama.

Market Cap & Enterprise Value
Merger & Acquisition History
Target company Date Filing
Keystone Bank 2015-07-31 View
Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD48.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
54
Beta
-0.06
Float Shares
6.98M
Free Float %
89.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -7.69% -4.00% +38.33% +20.00% +48.15% +60.00% +71.43% +128.57% +128.57%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

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Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
48.00
DCF (Unlevered) 82.50 +71.9%
DCF (Levered) 117.83 +145.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.46
Distress
Piotroski F-Score
8 / 9
Strong
Operational MOAT
  • Revenue growth
    +12.1% Q1'26: +18.2% (vs Q1'25)
  • EPS growth
    +32.6% Q1'26: +67.6% (vs Q1'25)
  • FCF margin
    Q1'26: +23.2% (vs Q1'25)
  • EBIT margin
    Q1'26: +32.8% (vs Q1'25)
  • ROIC
    Q1'26: -22.5% (vs Q1'25)
  • Share dilution
    +1.3% Q1'26: +0.4% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.88× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.14) × ERP
WACC = 72% × Ke + 28% × Kd (51.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 82.19 Current price: 48.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-04-30 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-21 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-17 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
56.80M
OE per share TTM
7.26
Owner's Yield
15.25%
Maintenance CapEx ratio
27.72%
Maint CapEx / Avg PPE
32.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
147.1K
Shares Outstanding
7.83M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-04-06 DEF 14A
2025-04-07 DEF 14A
2024-04-02 DEF 14A
2023-04-05 DEF 14A
2022-04-12 DEF 14A
2021-04-08 DEF 14A
2020-04-16 DEF 14A
2019-03-27 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-05 10-Q
2026-04-14 8-K
2026-04-06 DEF 14A
2026-03-10 10-K
2026-01-26 8-K
2026-01-21 8-K/A
2026-01-20 8-K
2025-12-15 S-8
2025-12-15 11-K
2025-11-04 10-Q

Executive team

NameTitleCompensationGender
James Milton Stubbs Chief Executive Officer & Director 813.3K male
Gerald Ray Smith Jr. President & Director 580.0K male
Eugene C. Crane Executive Vice President, Commercial Banking Manager & River Region President 514.2K male
Jason Davis Executive Vice President, Chief Financial Officer & Secretary of the Board of Directors 379.2K male
Polly Hardegree Executive Vice President of Client Engagement female
Rebecca Hallman Human Resources Director & Executive Vice President female
ESG Rating
B
BANKS - REGIONAL
2026
E (Environmental)
68.0 / 64.3
Company / Sector avg.
S (Social)
71.6 / 76.5
Company / Sector avg.
G (Governance)
70.1 / 75.5
Company / Sector avg.
ESG Total
69.9 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits