River FinancialRVRF 61 PB Ratio is 1.23 as of Jul. 04, 2026, which is 8% above its 10-year median of 1.14. 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 1,517 Banks companies, River Financial ranks worse than 60.32% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-04), River Financial's share price is $48.00. River Financial's Book Value per Share for the quarter that ended in Mar. 2026 was $38.91. Hence, River Financial's PB Ratio of today is 1.23.
Warning Sign:
River Financial Corp stock PB Ratio (=1.23) is close to 2-year high of 1.34.
The historical rank and industry rank for River Financial's PB Ratio or its related term are showing as below:
RVRF'
s PB Ratio Range Over the Past 10 Years
Min: 0.73 Med: 1.14 Max: 1.82
Current: 1.23
During the past 11 years, River Financial's highest PB Ratio was 1.82. The lowest was 0.73. And the median was 1.14.
RVRF's PB Ratio is ranked worse than 60.32% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs RVRF: 1.23
During the past 12 months, River Financial's average Book Value Per Share Growth Rate was 21.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 23.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.40% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of River Financial was 23.10% per year. The lowest was -2.90% per year. And the median was 10.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
River Financial PB Ratio Related Terms
River Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for River Financial's PB 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.
For the Banks - Regional subindustry, River Financial's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where River Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
River Financial's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
River Financial (RVRF) has a PB Ratio of 1.23 as of Jul. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on River Financial and its competitors. This is near median its historical median of 1.14. Over the past decade, River Financial's PB Ratio has ranged from 0.73 to 1.82. According to the industry distribution chart, River Financial ranks #915 out of 1517 companies in the Banks industry, placing it in the top 60.3%.
Is River Financial's PB Ratio too high?
River Financial's current PB Ratio of 1.23 is near median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.82. The Banks industry median PB Ratio is 1.10. River Financial's value of 1.23 is 11.8% above this industry median. Based on the distribution chart, River Financial ranks #915 out of 1517 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 PB Ratio compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #915 out of 1517 companies for PB Ratio. This places River Financial in the lower half of its industry. The industry median PB Ratio is 1.10. River Financial's value of 1.23 is 11.8% above this benchmark. Historically, River Financial's own PB Ratio has ranged from 0.73 to 1.82 over the past decade. While the company's 10-year median is 1.14 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current PB Ratio of 1.23 is 11.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on River Financial and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current PB Ratio is 1.23, which is near median its own 10-year median of 1.14. 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 PB Ratio is 1.23, which is near median its 10-year median of 1.14 and 11.8% above the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For River Financial (RVRF), the current PB Ratio is 1.23 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:
PB Ratio: 1.23 (near median its 10-year median of 1.14)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 11.8% above the Banks median (#915 of 1517)
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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