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RVRF (River Financial) Cyclically Adjusted FCF per Share : $3.04 (As of Mar. 2025)


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What is River Financial Cyclically Adjusted FCF per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

River Financial's adjusted free cash flow per share for the three months ended in Mar. 2025 was $1.531. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $3.04 for the trailing ten years ended in Mar. 2025.

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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2025-05-13), River Financial's current stock price is $32.40. River Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 was $3.04. River Financial's Cyclically Adjusted Price-to-FCF of today is 10.66.

During the past 10 years, the highest Cyclically Adjusted Price-to-FCF of River Financial was 10.68. The lowest was 0.00. And the median was 0.00.


River Financial Cyclically Adjusted FCF per Share Historical Data

The historical data trend for River Financial's Cyclically Adjusted FCF per Share 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.

* Premium members only.

River Financial Cyclically Adjusted FCF per Share Chart

River Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted FCF per Share
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River Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - 3.04

Competitive Comparison of River Financial's Cyclically Adjusted FCF per Share

For the Banks - Regional subindustry, River Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, River Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where River Financial's Cyclically Adjusted Price-to-FCF falls into.


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River Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, River Financial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=1.531/134.9266*134.9266
=1.531

Current CPI (Mar. 2025) = 134.9266.

River Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201506 0.000 100.684 0.000
201509 0.111 100.392 0.149
201512 0.122 99.792 0.165
201603 0.208 100.470 0.279
201606 0.314 101.688 0.417
201609 -0.325 101.861 -0.430
201612 0.022 101.863 0.029
201703 0.985 102.862 1.292
201706 0.364 103.349 0.475
201709 0.472 104.136 0.612
201712 0.631 104.011 0.819
201803 0.515 105.290 0.660
201806 -0.086 106.317 -0.109
201809 0.964 106.507 1.221
201812 0.804 105.998 1.023
201903 -0.353 107.251 -0.444
201906 0.095 108.070 0.119
201909 0.025 108.329 0.031
201912 1.141 108.420 1.420
202003 0.181 108.902 0.224
202006 -0.106 108.767 -0.131
202009 -0.567 109.815 -0.697
202012 0.865 109.897 1.062
202103 3.002 111.754 3.624
202106 0.101 114.631 0.119
202109 0.711 115.734 0.829
202112 1.649 117.630 1.891
202203 2.130 121.301 2.369
202206 1.376 125.017 1.485
202209 1.162 125.227 1.252
202212 1.549 125.222 1.669
202303 0.531 127.348 0.563
202306 -0.331 128.729 -0.347
202309 0.371 129.860 0.385
202312 1.621 129.419 1.690
202403 0.815 131.776 0.834
202406 0.566 132.554 0.576
202409 1.313 133.029 1.332
202412 1.582 133.157 1.603
202503 1.531 134.927 1.531

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


River Financial  (OTCPK:RVRF) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

River Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=32.40/3.04
=10.66

* 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.

During the past 10 years, the highest Cyclically Adjusted Price-to-FCF of River Financial was 10.68. The lowest was 0.00. And the median was 0.00.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


River Financial Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of River Financial's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


River Financial Business Description

Industry
Traded in Other Exchanges
N/A
Address
2611 Legends Drive, Prattville, AL, USA, 36066
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.

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