River FinancialRVRF 61 FCF Margin % is 28.32% as of Mar. 2026, which is 5% below its 10-year median of 29.92. 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 1,506 Banks companies, River Financial ranks better than 58.9% on this metric.
The historical rank and industry rank for River Financial's FCF Margin % or its related term are showing as below:
RVRF'
s FCF Margin % Range Over the Past 10 Years
Min: 3.4 Med: 29.92 Max: 46.01
Current: 31.51
During the past 11 years, the highest FCF Margin % of River Financial was 46.01%. The lowest was 3.40%. And the median was 29.92%.
RVRF's FCF Margin % is ranked better than 58.9% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs RVRF: 31.51
River Financial FCF Margin % Related Terms
River Financial FCF Margin % Historical Data
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The historical data trend for River Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where River Financial's FCF Margin % 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 FCF Margin % of 28.32% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on River Financial and its competitors. This is near median its historical median of 29.92. Over the past decade, River Financial's FCF Margin % has ranged from 3.40 to 46.01. According to the industry distribution chart, River Financial ranks #619 out of 1506 companies in the Banks industry, placing it in the top 41.1%.
Is River Financial's FCF Margin % too high?
River Financial's current FCF Margin % of 28.32% is near median its 10-year median of 29.92. Over the past 10 years, this metric has ranged from a low of 3.40 to a high of 46.01. The Banks industry median FCF Margin % is 26.36. River Financial's value of 28.32% is 7.5% above this industry median. Based on the distribution chart, River Financial ranks #619 out of 1506 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 FCF Margin % compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #619 out of 1506 companies for FCF Margin %. This puts River Financial in the upper half of its industry. The industry median FCF Margin % is 26.36. River Financial's value of 28.32% is 7.5% above this benchmark. Historically, River Financial's own FCF Margin % has ranged from 3.40 to 46.01 over the past decade. While the company's 10-year median is 29.92 vs. the industry median of 26.36, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current FCF Margin % of 28.32% is 7.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on River Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current FCF Margin % is 28.32%, which is near median its own 10-year median of 29.92. 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 FCF Margin % is 28.32%, which is near median its 10-year median of 29.92 and 7.5% above the Banks industry median of 26.36. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For River Financial (RVRF), the current FCF Margin % is 28.32% 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:
FCF Margin %: 28.32% (near median its 10-year median of 29.92)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 7.5% above the Banks median (#619 of 1506)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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