River FinancialRVRF 61 ROA % is 1.47% as of Mar. 2026, which is 43% above its 10-year median of 1.03. 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 1,530 Banks companies, River Financial ranks better than 68.3% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. River Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $56.6 Mil.
River Financial's average Total Assets over the quarter that ended in Mar. 2026 was $3,851.3 Mil. Therefore, River Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 1.47%.
The historical rank and industry rank for River Financial's ROA % or its related term are showing as below:
RVRF'
s ROA % Range Over the Past 10 Years
Min: 0.88 Med: 1.03 Max: 1.27
Current: 1.27
During the past 11 years, River Financial's highest ROA % was 1.27%. The lowest was 0.88%. And the median was 1.03%.
RVRF's ROA % is ranked better than 68.3% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs RVRF: 1.27
River Financial (OTCPK:RVRF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
River Financial ROA % Related Terms
River Financial ROA % Historical Data
* Premium members only.
The historical data trend for River Financial's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's ROA % distribution charts can be found below:
* The bar in red indicates where River Financial's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
River Financial (RVRF) has a ROA % of 1.47% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on River Financial and its competitors. This is 43% above median its historical median of 1.03. Over the past decade, River Financial's ROA % has ranged from 0.88 to 1.27. According to the industry distribution chart, River Financial ranks #485 out of 1530 companies in the Banks industry, placing it in the top 31.7%.
Is River Financial's ROA % too high?
River Financial's current ROA % of 1.47% is 43% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.88 to a high of 1.27. The Banks industry median ROA % is 0.98. River Financial's value of 1.47% is 50% above this industry median. Based on the distribution chart, River Financial ranks #485 out of 1530 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 ROA % compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #485 out of 1530 companies for ROA %. This puts River Financial in the upper half of its industry. The industry median ROA % is 0.98. River Financial's value of 1.47% is 50% above this benchmark. Historically, River Financial's own ROA % has ranged from 0.88 to 1.27 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current ROA % of 1.47% is 50% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on River Financial and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current ROA % is 1.47%, which is 43% above median its own 10-year median of 1.03. 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 ROA % is 1.47%, which is 43% above median its 10-year median of 1.03 and 50% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For River Financial (RVRF), the current ROA % is 1.47% 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:
ROA %: 1.47% (43% above median its 10-year median of 1.03)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 50% above the Banks median (#485 of 1530)
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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