River FinancialRVRF 61 Dividend Payout Ratio is 0.56 as of Mar. 2026, which is 367% above its 10-year median of 0.12. 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 1,169 Banks companies, River Financial ranks better than 86.23% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. River Financial's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.56.
The historical rank and industry rank for River Financial's Dividend Payout Ratio or its related term are showing as below:
RVRF'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.12 Max: 0.16
Current: 0.16
During the past 11 years, the highest Dividend Payout Ratio of River Financial was 0.16. The lowest was 0.10. And the median was 0.12.
RVRF's Dividend Payout Ratio is ranked better than 86.23% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs RVRF: 0.16
During the past 12 months, River Financial's average Dividends Per Share Growth Rate was 85.20% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
River Financial (OTCPK:RVRF) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
River Financial Dividend Payout Ratio Related Terms
River Financial Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for River Financial's Dividend Payout Ratio 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.
RVRF vs AVBC, MVBF, USCB: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, River Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where River Financial's Dividend Payout Ratio falls into.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
River Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.56 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on River Financial and its competitors. This is 367% above median its historical median of 0.12. Over the past decade, River Financial's Dividend Payout Ratio has ranged from 0.10 to 0.16. According to the industry distribution chart, River Financial ranks #161 out of 1169 companies in the Banks industry, placing it in the top 13.8%.
Is River Financial's Dividend Payout Ratio too high?
River Financial's current Dividend Payout Ratio of 0.56 is 367% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.16. The Banks industry median Dividend Payout Ratio is 0.32. River Financial's value of 0.56 is 75% above this industry median. Based on the distribution chart, River Financial ranks #161 out of 1169 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Dividend Payout Ratio compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #161 out of 1169 companies for Dividend Payout Ratio. This places River Financial in the top 14% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. River Financial's value of 0.56 is 75% above this benchmark. Historically, River Financial's own Dividend Payout Ratio has ranged from 0.10 to 0.16 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current Dividend Payout Ratio of 0.56 is 75% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on River Financial and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current Dividend Payout Ratio is 0.56, which is 367% above median its own 10-year median of 0.12. 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 Dividend Payout Ratio is 0.56, which is 367% above median its 10-year median of 0.12 and 75% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For River Financial (RVRF), the current Dividend Payout Ratio is 0.56 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:
Dividend Payout Ratio: 0.56 (367% above median its 10-year median of 0.12)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 75% above the Banks median (#161 of 1169)
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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