River FinancialRVRF 61 Return-on-Tangible-Equity is 20.68% as of Mar. 2026, which is 37% above its 10-year median of 15.14. 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 1,523 Banks companies, River Financial ranks better than 87.66% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. River Financial's annualized net income for the quarter that ended in Mar. 2026 was $56.6 Mil. River Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $273.6 Mil. Therefore, River Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 20.68%.
The historical rank and industry rank for River Financial's Return-on-Tangible-Equity or its related term are showing as below:
RVRF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.25 Med: 15.14 Max: 21.47
Current: 19.07
During the past 11 years, River Financial's highest Return-on-Tangible-Equity was 21.47%. The lowest was 10.25%. And the median was 15.14%.
RVRF's Return-on-Tangible-Equity is ranked better than 87.66% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs RVRF: 19.07
River Financial (OTCPK:RVRF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
River Financial Return-on-Tangible-Equity Related Terms
River Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for River Financial's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, River Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where River Financial's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 20.68% mean?
River Financial (RVRF) has a Return-on-Tangible-Equity of 20.68% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on River Financial and its competitors. This is 37% above median its historical median of 15.14. Over the past decade, River Financial's Return-on-Tangible-Equity has ranged from 10.25 to 21.47. According to the industry distribution chart, River Financial ranks #188 out of 1523 companies in the Banks industry, placing it in the top 12.3%.
Is River Financial's Return-on-Tangible-Equity too high?
River Financial's current Return-on-Tangible-Equity of 20.68% is 37% above median its 10-year median of 15.14. Over the past 10 years, this metric has ranged from a low of 10.25 to a high of 21.47. The Banks industry median Return-on-Tangible-Equity is 11.20. River Financial's value of 20.68% is 84.6% above this industry median. Based on the distribution chart, River Financial ranks #188 out of 1523 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 Return-on-Tangible-Equity compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #188 out of 1523 companies for Return-on-Tangible-Equity. This places River Financial in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. River Financial's value of 20.68% is 84.6% above this benchmark. Historically, River Financial's own Return-on-Tangible-Equity has ranged from 10.25 to 21.47 over the past decade. While the company's 10-year median is 15.14 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current Return-on-Tangible-Equity of 20.68% is 84.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on River Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current Return-on-Tangible-Equity is 20.68%, which is 37% above median its own 10-year median of 15.14. 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 Return-on-Tangible-Equity is 20.68%, which is 37% above median its 10-year median of 15.14 and 84.6% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For River Financial (RVRF), the current Return-on-Tangible-Equity is 20.68% 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:
Return-on-Tangible-Equity: 20.68% (37% above median its 10-year median of 15.14)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 84.6% above the Banks median (#188 of 1523)
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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