RVRF (River Financial) Cyclically Adjusted Revenue per Share: $13.20 (As of Mar. 2026)


RVRF River Financial Corp RVRF
61 GF Score
Price $48.00
GF Value $40.24
Valuation Modestly Overvalued
! 4 Warning Signs
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What is River Financial Cyclically Adjusted Revenue per Share?

River Financial RVRF 61 Cyclically Adjusted Revenue per Share is $13.20 as of Mar. 2026. GuruFocus rates RVRF with a GF Score™ of 61/100 and a GF Value™ of $40.24 (Modestly Overvalued). The stock has 4 warning signs investors should review.

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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

River Financial's adjusted revenue per share for the three months ended in Mar. 2026 was $4.947. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $13.20 for the trailing ten years ended in Mar. 2026.

During the past 12 months, River Financial's average Cyclically Adjusted Revenue Growth Rate was 14.10% 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 Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

As of today (2026-07-04), River Financial's current stock price is $48.00. River Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $13.20. River Financial's Cyclically Adjusted PS Ratio of today is 3.64.

During the past 11 years, the highest Cyclically Adjusted PS Ratio of River Financial was 3.96. The lowest was 2.68. And the median was 2.90.


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

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS 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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

River Financial's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=48.00/13.20
=3.64

* 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 11 years, the highest Cyclically Adjusted PS Ratio of River Financial was 3.96. The lowest was 2.68. And the median was 2.90.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


River Financial Cyclically Adjusted Revenue per Share Related Terms


River Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for River Financial's Cyclically Adjusted Revenue 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.

River Financial Cyclically Adjusted Revenue per Share Chart

River Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 12.67

River Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue 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 11.57 12.00 12.38 12.67 13.20

RVRF vs AVBC, MVBF, USCB: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, River Financial's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, River Financial's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where River Financial's Cyclically Adjusted PS Ratio falls into.


RVRF
61GF Score
River Financial Corp RVRF
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

River Financial Cyclically Adjusted Revenue 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

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

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue 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 Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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 Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=4.947/330.2130*330.2130
=4.947

Current CPI (Mar. 2026) = 330.2130.

River Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.601 241.018 2.193
201609 1.678 241.428 2.295
201612 1.677 241.432 2.294
201703 1.664 243.801 2.254
201706 1.702 244.955 2.294
201709 1.857 246.819 2.484
201712 1.708 246.524 2.288
201803 1.721 249.554 2.277
201806 1.822 251.989 2.388
201809 1.850 252.439 2.420
201812 1.915 251.233 2.517
201903 1.939 254.202 2.519
201906 2.011 256.143 2.593
201909 2.179 256.759 2.802
201912 2.336 256.974 3.002
202003 2.227 258.115 2.849
202006 2.597 257.797 3.327
202009 2.607 260.280 3.307
202012 2.774 260.474 3.517
202103 2.987 264.877 3.724
202106 2.977 271.696 3.618
202109 3.193 274.310 3.844
202112 3.039 278.802 3.599
202203 3.193 287.504 3.667
202206 3.381 296.311 3.768
202209 3.493 296.808 3.886
202212 3.436 296.797 3.823
202303 3.272 301.836 3.580
202306 4.019 305.109 4.350
202309 3.442 307.789 3.693
202312 3.430 306.746 3.692
202403 3.120 312.332 3.299
202406 3.470 314.175 3.647
202409 3.685 315.301 3.859
202412 3.937 315.605 4.119
202503 3.794 319.799 3.918
202506 4.418 322.561 4.523
202509 4.260 324.800 4.331
202512 4.401 324.054 4.485
202603 4.947 330.213 4.947

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $13.20 mean?
River Financial (RVRF) has a Cyclically Adjusted Revenue per Share of $13.20 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on River Financial and its competitors.
Is River Financial's Cyclically Adjusted Revenue per Share too high?
River Financial's current Cyclically Adjusted Revenue per Share is $13.20. Overall, River Financial has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Financial's Cyclically Adjusted Revenue per Share compare to AVBC and MVBF?
River Financial's Cyclically Adjusted Revenue per Share of $13.20 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on River Financial and its competitors. River Financial's current Cyclically Adjusted Revenue per Share is $13.20. 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 $40.24, compared to a current price of $48.00 — trading 19.3% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $13.20. River Financial's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For River Financial (RVRF), the current Cyclically Adjusted Revenue per Share is $13.20 as of Mar. 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 $48.00 is trading 19.3% above its estimated GF Value™ of $40.24. GuruFocus considers River Financial to be Modestly Overvalued.

Key valuation signals for RVRF:

  • Cyclically Adjusted Revenue per Share: $13.20
  • GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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 Business Description

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.
61GF Score

Get the complete analysis for RVRF

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.00
Price
$40.24
GF Value