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River FinancialRVRF +1.33%65 3-Year EPS without NRI Growth Rate is 9.10% as of Jun. 2026, which is 41% below its 10-year median of 15.50. GuruFocus rates RVRF with a GF Scoreâ„¢ of 65/100 and a GF Valueâ„¢ of $41.52 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,412 Banks companies, River Financial ranks better than 54.32% on this metric.
During the past 12 months, River Financial's average EPS without NRI Growth Rate was 27.40% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 9.10% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 11.30% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 21.30% 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 EPS without NRI growth rate.
During the past 11 years, the highest 3-Year average EPS without NRI Growth Rate of River Financial was 50.90% per year. The lowest was 2.20% per year. And the median was 15.50% per year.
River Financial (OTCPK:RVRF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
River Financial 3-Year EPS without NRI Growth Rate Related Terms
RVRF vs MVBF, FRST, NECB: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, River Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where River Financial's 3-Year EPS without NRI Growth Rate falls into.
River Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 9.10% mean?
River Financial (RVRF) has a 3-Year EPS without NRI Growth Rate of 9.10% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for River Financial and its competitors. This is 41% below median its historical median of 15.50. Over the past decade, River Financial's 3-Year EPS without NRI Growth Rate has ranged from 2.20 to 50.90. According to the industry distribution chart, River Financial ranks #645 out of 1412 companies in the Banks industry, placing it in the top 45.7%.
Is River Financial's 3-Year EPS without NRI Growth Rate too high?
River Financial's current 3-Year EPS without NRI Growth Rate of 9.10% is 41% below median its 10-year median of 15.50. Over the past 10 years, this metric has ranged from a low of 2.20 to a high of 50.90. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. River Financial's value of 9.10% is 21.3% above this industry median. Based on the distribution chart, River Financial ranks #645 out of 1412 companies in the Banks industry, which is above the industry midpoint. Overall, River Financial has a GF Scoreâ„¢ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Financial's 3-Year EPS without NRI Growth Rate compare to MVBF and FRST?
According to the Banks industry distribution chart, River Financial ranks #645 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This puts River Financial in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. River Financial's value of 9.10% is 21.3% above this benchmark. Historically, River Financial's own 3-Year EPS without NRI Growth Rate has ranged from 2.20 to 50.90 over the past decade. While the company's 10-year median is 15.50 vs. the industry median of 7.50, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 9.10% is 21.3% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for River Financial and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current 3-Year EPS without NRI Growth Rate is 9.10%, which is 41% below median its own 10-year median of 15.50. 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 $41.52, compared to a current price of $46.61 — trading 12.3% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 9.10%, which is 41% below median its 10-year median of 15.50 and 21.3% above the Banks industry median of 7.50. River Financial's overall GF Score™ is 65/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For River Financial (RVRF), the current 3-Year EPS without NRI Growth Rate is 9.10% 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 12.3% above its estimated GF Value™ of $41.52.
GuruFocus considers River Financial to be Modestly Overvalued.
Key valuation signals for RVRF:
3-Year EPS without NRI Growth Rate: 9.10% (41% below median its 10-year median of 15.50)
GF Value™: $41.52 vs. price of $46.61 (12.3% above fair value)
Industry Position: 21.3% above the Banks median (#645 of 1412)
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.
65GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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