River FinancialRVRF 61 Net Margin % is 36.21% as of Mar. 2026, which is 39% above its 10-year median of 26.12. 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 1,528 Banks companies, River Financial ranks better than 72.32% on this metric.
Net margin is calculated as Net Income divided by its Revenue. River Financial's Net Income for the
three
months ended in Mar. 2026 was $14.1 Mil. River Financial's Revenue for the
three
months ended in Mar. 2026 was $39.1 Mil. Therefore, River Financial's net margin for the quarter that ended in Mar. 2026 was 36.21%.
The historical rank and industry rank for River Financial's Net Margin % or its related term are showing as below:
RVRF'
s Net Margin % Range Over the Past 10 Years
Min: 21.9 Med: 26.12 Max: 33.76
Current: 33.76
RVRF's Net Margin % is ranked better than 72.32% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs RVRF: 33.76
River Financial (OTCPK:RVRF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
River Financial Net Margin % Related Terms
River Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for River Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where River Financial's Net 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 Net Margin % of 36.21% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on River Financial and its competitors. This is 39% above median its historical median of 26.12. Over the past decade, River Financial's Net Margin % has ranged from 21.90 to 33.76. According to the industry distribution chart, River Financial ranks #423 out of 1528 companies in the Banks industry, placing it in the top 27.7%.
Is River Financial's Net Margin % too high?
River Financial's current Net Margin % of 36.21% is 39% above median its 10-year median of 26.12. Over the past 10 years, this metric has ranged from a low of 21.90 to a high of 33.76. The Banks industry median Net Margin % is 26.85. River Financial's value of 36.21% is 34.9% above this industry median. Based on the distribution chart, River Financial ranks #423 out of 1528 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 Net Margin % compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #423 out of 1528 companies for Net Margin %. This puts River Financial in the upper half of its industry. The industry median Net Margin % is 26.85. River Financial's value of 36.21% is 34.9% above this benchmark. Historically, River Financial's own Net Margin % has ranged from 21.90 to 33.76 over the past decade. While the company's 10-year median is 26.12 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current Net Margin % of 36.21% is 34.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on River Financial and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current Net Margin % is 36.21%, which is 39% above median its own 10-year median of 26.12. 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 Net Margin % is 36.21%, which is 39% above median its 10-year median of 26.12 and 34.9% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For River Financial (RVRF), the current Net Margin % is 36.21% 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:
Net Margin %: 36.21% (39% above median its 10-year median of 26.12)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 34.9% above the Banks median (#423 of 1528)
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
Get the complete analysis for RVRF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RVRF has been successfully added to your 
