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River FinancialRVRF +1.33%70 3-Year Book Growth Rate is 23.10% as of Jun. 2026, which is 112% above its 10-year median of 10.90. GuruFocus rates RVRF with a GF Score™ of 70/100 and a GF Value™ of $41.58 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,491 Banks companies, River Financial ranks better than 92.09% on this metric.
During the past 12 months, River Financial's average Book Value per Share Growth Rate was 21.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 23.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.50% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 8.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 11 years, the highest 3-Year average Book Value per Share Growth Rate of River Financial was 23.10% per year. The lowest was -2.90% per year. And the median was 10.90% per year.
River Financial (OTCPK:RVRF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
River Financial 3-Year Book Growth Rate Related Terms
RVRF vs NECB, TSBK, NWFL: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, River Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
River Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where River Financial's 3-Year Book Growth Rate falls into.
River Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 23.10% mean?
River Financial (RVRF) has a 3-Year Book Growth Rate of 23.10% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for River Financial and its competitors. This is 112% above median its historical median of 10.90. According to the industry distribution chart, River Financial ranks #118 out of 1491 companies in the Banks industry, placing it in the top 7.9%.
Is River Financial's 3-Year Book Growth Rate too high?
River Financial's current 3-Year Book Growth Rate of 23.10% is 112% above median its 10-year median of 10.90. The Banks industry median 3-Year Book Growth Rate is 8.80. River Financial's value of 23.10% is 162.5% above this industry median. Based on the distribution chart, River Financial ranks #118 out of 1491 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, River Financial has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Financial's 3-Year Book Growth Rate compare to NECB and TSBK?
According to the Banks industry distribution chart, River Financial ranks #118 out of 1491 companies for 3-Year Book Growth Rate. This places River Financial in the top 8% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. River Financial's value of 23.10% is 162.5% above this benchmark. While the company's 10-year median is 10.90 vs. the industry median of 8.80, River Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current 3-Year Book Growth Rate of 23.10% is 162.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for River Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current 3-Year Book Growth Rate is 23.10%, which is 112% above median its own 10-year median of 10.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is River Financial stock overvalued right now?
Based on GuruFocus' analysis, River Financial (RVRF) is currently considered Modestly Overvalued. The stock's GF Value™ is $41.58, compared to a current price of $46.61 — trading 12.1% above its estimated fair value. The current 3-Year Book Growth Rate is 23.10%, which is 112% above median its 10-year median of 10.90 and 162.5% above the Banks industry median of 8.80. River Financial's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For River Financial (RVRF), the current 3-Year Book Growth Rate is 23.10% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is River Financial (RVRF) Overvalued in 2026?
Based on GuruFocus' analysis, River Financial stock appears to be overvalued.
The current stock price of $46.61 is trading 12.1% above its estimated GF Value™ of $41.58.
GuruFocus considers River Financial to be Modestly Overvalued.
Key valuation signals for RVRF:
3-Year Book Growth Rate: 23.10% (112% above median its 10-year median of 10.90)
GF Value™: $41.58 vs. price of $46.61 (12.1% above fair value)
Industry Position: 162.5% above the Banks median (#118 of 1491)
No single metric tells the full story. See the RVRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
River Financial Corp is a bank holding company. It provides commercial and consumer banking services to businesses, business owners, and professionals in the United States. It offers services such as loan, deposits, electronic banking and other banking services. It offers demand deposits, savings and time deposits, interest-bearing transaction accounts, money market accounts, negotiable orders of withdrawal accounts, as well as certificate of deposits. Companies principal sources of income are interest and fees collected on loans, interest collected on other investments, fees earned from the origination and sale of residential mortgage loans, and service charges, as well as income from investment brokerage services.
70GF Score
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