River FinancialRVRF 61 PEG Ratio is 1.05 as of Jul. 04, 2026, which is 33% below its 10-year median of 1.56. 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 1,228 Banks companies, River Financial ranks better than 65.55% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for River Financial's PEG Ratio or its related term are showing as below:
RVRF'
s PEG Ratio Range Over the Past 10 Years
Min: 0.57 Med: 1.56 Max: 8.44
Current: 1.05
During the past 11 years, River Financial's highest PEG Ratio was 8.44. The lowest was 0.57. And the median was 1.56.
RVRF's PEG Ratio is ranked better than 65.55% of 1228
companies
in the Banks industry
Industry Median: 1.53
vs RVRF: 1.05
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
River Financial (OTCPK:RVRF) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
River Financial PEG Ratio Related Terms
River Financial PEG Ratio Historical Data
* Premium members only.
The historical data trend for River Financial's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where River Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
River Financial (RVRF) has a PEG Ratio of 1.05 as of Jul. 04, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on River Financial and its competitors. This is 33% below median its historical median of 1.56. Over the past decade, River Financial's PEG Ratio has ranged from 0.57 to 8.44. According to the industry distribution chart, River Financial ranks #423 out of 1228 companies in the Banks industry, placing it in the top 34.4%.
Is River Financial's PEG Ratio too high?
River Financial's current PEG Ratio of 1.05 is 33% below median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 8.44. The Banks industry median PEG Ratio is 1.53. River Financial's value of 1.05 is 31.4% below this industry median. Based on the distribution chart, River Financial ranks #423 out of 1228 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 PEG Ratio compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #423 out of 1228 companies for PEG Ratio. This puts River Financial in the upper half of its industry. The industry median PEG Ratio is 1.53. River Financial's value of 1.05 is 31.4% below this benchmark. Historically, River Financial's own PEG Ratio has ranged from 0.57 to 8.44 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 1.53, River Financial has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current PEG Ratio of 1.05 is 31.4% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on River Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current PEG Ratio is 1.05, which is 33% below median its own 10-year median of 1.56. 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 PEG Ratio is 1.05, which is 33% below median its 10-year median of 1.56 and 31.4% below the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For River Financial (RVRF), the current PEG Ratio is 1.05 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:
PEG Ratio: 1.05 (33% below median its 10-year median of 1.56)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 31.4% below the Banks median (#423 of 1228)
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
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