RVRF (River Financial) ROE % Adjusted to Book Value: 14.53% (As of Mar. 2026)


RVRF River Financial Corp RVRF
61 GF Score
Price $48.00
GF Value $40.24
Valuation Modestly Overvalued
! 4 Warning Signs
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What is River Financial ROE % Adjusted to Book Value?

River Financial RVRF 61 ROE % Adjusted to Book Value is 14.53% as of Mar. 2026. 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.

River Financial's ROE % for the quarter that ended in Mar. 2026 was 18.74%. River Financial's PB Ratio for the quarter that ended in Mar. 2026 was 1.29. River Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 14.53%.


River Financial ROE % Adjusted to Book Value Related Terms


River Financial ROE % Adjusted to Book Value Historical Data

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The historical data trend for River Financial's ROE % Adjusted to Book Value 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.

River Financial ROE % Adjusted to Book Value Chart

River Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.13 10.62 13.40 14.12 15.37

River Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.66 19.22 16.57 14.50 14.53

RVRF vs AVBC, MVBF, USCB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, River Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, River Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where River Financial's ROE % Adjusted to Book Value falls into.


RVRF
61GF Score
River Financial Corp RVRF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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River Financial ROE % Adjusted to Book Value Calculation

River Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=15.83% / 1.03
=15.37%

River Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=18.74% / 1.29
=14.53%

* 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.

What does a ROE % Adjusted to Book Value of 14.53% mean?
River Financial (RVRF) has a ROE % Adjusted to Book Value of 14.53% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on River Financial and its competitors.
Is River Financial's ROE % Adjusted to Book Value too high?
River Financial's current ROE % Adjusted to Book Value is 14.53%. 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 ROE % Adjusted to Book Value compare to AVBC and MVBF?
River Financial's ROE % Adjusted to Book Value of 14.53% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on River Financial and its competitors. River Financial's current ROE % Adjusted to Book Value is 14.53%. 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 ROE % Adjusted to Book Value is 14.53%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For River Financial (RVRF), the current ROE % Adjusted to Book Value is 14.53% 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:

  • ROE % Adjusted to Book Value: 14.53%
  • GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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 Business Description

Address 2611 Legends Drive, Prattville, AL, USA, 36066
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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.00
Price
$40.24
GF Value