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River FinancialRVRF +0.35%70 Cash-to-Debt is 0.67 as of Jun. 2026, which is 41% below its 10-year median of 1.13. GuruFocus rates RVRF with a GF Score™ of 70/100 and a GF Value™ of $41.59 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,486 Banks companies, River Financial ranks worse than 69.25% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. River Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.67.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, River Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for River Financial's Cash-to-Debt or its related term are showing as below:
RVRF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.17 Med: 1.13 Max: 7.46
Current: 0.67
During the past 11 years, River Financial's highest Cash to Debt Ratio was 7.46. The lowest was 0.17. And the median was 1.13.
RVRF's Cash-to-Debt is ranked worse than 69.25% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs RVRF: 0.67
River Financial (OTCPK:RVRF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
River Financial Cash-to-Debt Related Terms
River Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for River Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, River Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where River Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
River Financial (RVRF) has a Cash-to-Debt of 0.67 as of Jun. 2026. This is 41% below median its historical median of 1.13. Over the past decade, River Financial's Cash-to-Debt has ranged from 0.17 to 7.46. According to the industry distribution chart, River Financial ranks #1029 out of 1486 companies in the Banks industry, placing it in the top 69.2%.
Is River Financial's Cash-to-Debt too high?
River Financial's current Cash-to-Debt of 0.67 is 41% below median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 7.46. The Banks industry median Cash-to-Debt is 1.40. River Financial's value of 0.67 is 52.1% below this industry median. Based on the distribution chart, River Financial ranks #1029 out of 1486 companies in the Banks industry, which is below the industry midpoint. 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 Cash-to-Debt compare to NECB and TSBK?
According to the Banks industry distribution chart, River Financial ranks #1029 out of 1486 companies for Cash-to-Debt. This places River Financial in the lower half of its industry. The industry median Cash-to-Debt is 1.40. River Financial's value of 0.67 is 52.1% below this benchmark. Historically, River Financial's own Cash-to-Debt has ranged from 0.17 to 7.46 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 1.40, River Financial has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current Cash-to-Debt of 0.67 is 52.1% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current Cash-to-Debt is 0.67, which is 41% below median its own 10-year median of 1.13. 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 $41.59, compared to a current price of $46.77 — trading 12.5% above its estimated fair value. The current Cash-to-Debt is 0.67, which is 41% below median its 10-year median of 1.13 and 52.1% below the Banks industry median of 1.40. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For River Financial (RVRF), the current Cash-to-Debt is 0.67 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 $46.77 is trading 12.5% above its estimated GF Value™ of $41.59.
GuruFocus considers River Financial to be Modestly Overvalued.
Key valuation signals for RVRF:
Cash-to-Debt: 0.67 (41% below median its 10-year median of 1.13)
GF Value™: $41.59 vs. price of $46.77 (12.5% above fair value)
Industry Position: 52.1% below the Banks median (#1029 of 1486)
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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