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River FinancialRVRF 61 Debt-to-Equity is 0.46 as of Mar. 2026, which is 92% above its 10-year median of 0.24. GuruFocus rates RVRF with a GF Score™ of 61/100 and a GF Value™ of $40.34 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,423 Banks companies, River Financial ranks better than 56.85% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for River Financial's Debt-to-Equity or its related term are showing as below:
RVRF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.24 Max: 1.41
Current: 0.46
During the past 11 years, the highest Debt-to-Equity Ratio of River Financial was 1.41. The lowest was 0.07. And the median was 0.24.
RVRF's Debt-to-Equity is ranked better than 56.85% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs RVRF: 0.46
River Financial (OTCPK:RVRF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
River Financial Debt-to-Equity Related Terms
River Financial Debt-to-Equity Historical Data
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The historical data trend for River Financial's Debt-to-Equity 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.
RVRF vs AVBC, MVBF, USCB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, River Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where River Financial's Debt-to-Equity 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 Debt-to-Equity of 0.46 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on River Financial and its competitors. This is 92% above median its historical median of 0.24. Over the past decade, River Financial's Debt-to-Equity has ranged from 0.07 to 1.41. According to the industry distribution chart, River Financial ranks #614 out of 1423 companies in the Banks industry, placing it in the top 43.1%.
Is River Financial's Debt-to-Equity too high?
River Financial's current Debt-to-Equity of 0.46 is 92% above median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 1.41. The Banks industry median Debt-to-Equity is 0.56. River Financial's value of 0.46 is 17.9% below this industry median. Based on the distribution chart, River Financial ranks #614 out of 1423 companies in the Banks industry, which is above the industry midpoint. 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 Debt-to-Equity compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #614 out of 1423 companies for Debt-to-Equity. This puts River Financial in the upper half of its industry. The industry median Debt-to-Equity is 0.56. River Financial's value of 0.46 is 17.9% below this benchmark. Historically, River Financial's own Debt-to-Equity has ranged from 0.07 to 1.41 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.56, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current Debt-to-Equity of 0.46 is 17.9% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on River Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current Debt-to-Equity is 0.46, which is 92% above median its own 10-year median of 0.24. 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 $40.34, compared to a current price of $48.00 — trading 19% above its estimated fair value. The current Debt-to-Equity is 0.46, which is 92% above median its 10-year median of 0.24 and 17.9% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For River Financial (RVRF), the current Debt-to-Equity is 0.46 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% above its estimated GF Value™ of $40.34.
GuruFocus considers River Financial to be Modestly Overvalued.
Key valuation signals for RVRF:
Debt-to-Equity: 0.46 (92% above median its 10-year median of 0.24)
GF Value™: $40.34 vs. price of $48.00 (19% above fair value)
Industry Position: 17.9% below the Banks median (#614 of 1423)
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.
61GF Score
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