River FinancialRVRF 61 EV-to-FCF is 8.77 as of Jul. 04, 2026, which is 16% below its 10-year median of 10.44. 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. Among 1,193 Banks companies, River Financial ranks worse than 57.5% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, River Financial's Enterprise Value is $391.1 Mil.
River Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $44.6 Mil. Therefore, River Financial's EV-to-FCF for today is 8.77.
The historical rank and industry rank for River Financial's EV-to-FCF or its related term are showing as below:
RVRF'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.6 Med: 10.44 Max: 56.44
Current: 8.77
During the past 11 years, the highest EV-to-FCF of River Financial was 56.44. The lowest was 4.60. And the median was 10.44.
RVRF's EV-to-FCF is ranked worse than 57.5% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs RVRF: 8.77
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
River Financial (OTCPK:RVRF) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
River Financial's PE Ratio (TTM) for today is calculated as:
River Financial's share price for today is $48.00.
River Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.080.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
River Financial EV-to-FCF Related Terms
River Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for River Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, River Financial's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where River Financial's EV-to-FCF falls into.
River Financial's current Enterprise Value is $391.1 Mil.
River Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $44.6 Mil.
* 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 EV-to-FCF of 8.77 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on River Financial and its competitors. This is 16% below median its historical median of 10.44. Over the past decade, River Financial's EV-to-FCF has ranged from 4.60 to 56.44. According to the industry distribution chart, River Financial ranks #686 out of 1193 companies in the Banks industry, placing it in the top 57.5%.
Is River Financial's EV-to-FCF too high?
River Financial's current EV-to-FCF of 8.77 is 16% below median its 10-year median of 10.44. Over the past 10 years, this metric has ranged from a low of 4.60 to a high of 56.44. The Banks industry median EV-to-FCF is 6.61. River Financial's value of 8.77 is 32.7% above this industry median. Based on the distribution chart, River Financial ranks #686 out of 1193 companies in the Banks industry, which is below 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 EV-to-FCF compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #686 out of 1193 companies for EV-to-FCF. This places River Financial in the lower half of its industry. The industry median EV-to-FCF is 6.61. River Financial's value of 8.77 is 32.7% above this benchmark. Historically, River Financial's own EV-to-FCF has ranged from 4.60 to 56.44 over the past decade. While the company's 10-year median is 10.44 vs. the industry median of 6.61, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current EV-to-FCF of 8.77 is 32.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on River Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current EV-to-FCF is 8.77, which is 16% below median its own 10-year median of 10.44. 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 EV-to-FCF is 8.77, which is 16% below median its 10-year median of 10.44 and 32.7% above the Banks industry median of 6.61. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For River Financial (RVRF), the current EV-to-FCF is 8.77 as of Jul. 04, 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:
EV-to-FCF: 8.77 (16% below median its 10-year median of 10.44)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 32.7% above the Banks median (#686 of 1193)
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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