RVRF (River Financial) Margin of Safety % (DCF FCF Based): 72.97% (As of Jul. 04, 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 Margin of Safety % (DCF FCF Based)?

River Financial RVRF 61 Margin of Safety % (DCF FCF Based) is 72.97% as of Jul. 04, 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-04), River Financial's Predictability Rank is 4-Stars. River Financial's intrinsic value calculated from the Discounted FCF model is $190.00 and current share price is $48.00. Consequently,

River Financial's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 72.97%.

RVRF vs AVBC, MVBF, USCB: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, River Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, River Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where River Financial's Margin of Safety % (DCF FCF Based) falls into.


RVRF
61GF Score
River Financial Corp RVRF
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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River Financial Margin of Safety % (DCF FCF Based) Calculation

River Financial's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(177.56-48.00)/177.56
=72.97 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 72.97% mean?
River Financial (RVRF) has a Margin of Safety % (DCF FCF Based) of 72.97% as of Jul. 04, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on River Financial.
Is River Financial's Margin of Safety % (DCF FCF Based) too high?
River Financial's current Margin of Safety % (DCF FCF Based) is 72.97%. 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 Margin of Safety % (DCF FCF Based) compare to AVBC and MVBF?
River Financial's Margin of Safety % (DCF FCF Based) of 72.97% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on River Financial. River Financial's current Margin of Safety % (DCF FCF Based) is 72.97%. 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 Margin of Safety % (DCF FCF Based) is 72.97%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For River Financial (RVRF), the current Margin of Safety % (DCF FCF Based) is 72.97% 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:

  • Margin of Safety % (DCF FCF Based): 72.97%
  • 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

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.00
Price
$40.24
GF Value