River FinancialRVRF 61 ROE % is 18.74% as of Mar. 2026, which is 49% above its 10-year median of 12.56. 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 1,525 Banks companies, River Financial ranks better than 87.28% on this metric.
The historical rank and industry rank for River Financial's ROE % or its related term are showing as below:
RVRF'
s ROE % Range Over the Past 10 Years
Min: 8.45 Med: 12.56 Max: 17.41
Current: 17.13
During the past 11 years, River Financial's highest ROE % was 17.41%. The lowest was 8.45%. And the median was 12.56%.
RVRF's ROE % is ranked better than 87.28% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs RVRF: 17.13
River Financial (OTCPK:RVRF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
River Financial ROE % Related Terms
River Financial ROE % Historical Data
* Premium members only.
The historical data trend for River Financial's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's ROE % distribution charts can be found below:
* The bar in red indicates where River Financial's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
River Financial (RVRF) has a ROE % of 18.74% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on River Financial and its competitors. This is 49% above median its historical median of 12.56. Over the past decade, River Financial's ROE % has ranged from 8.45 to 17.41. According to the industry distribution chart, River Financial ranks #194 out of 1525 companies in the Banks industry, placing it in the top 12.7%.
Is River Financial's ROE % too high?
River Financial's current ROE % of 18.74% is 49% above median its 10-year median of 12.56. Over the past 10 years, this metric has ranged from a low of 8.45 to a high of 17.41. The Banks industry median ROE % is 10.22. River Financial's value of 18.74% is 83.4% above this industry median. Based on the distribution chart, River Financial ranks #194 out of 1525 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 ROE % compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #194 out of 1525 companies for ROE %. This places River Financial in the top 13% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. River Financial's value of 18.74% is 83.4% above this benchmark. Historically, River Financial's own ROE % has ranged from 8.45 to 17.41 over the past decade. While the company's 10-year median is 12.56 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current ROE % of 18.74% is 83.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on River Financial and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current ROE % is 18.74%, which is 49% above median its own 10-year median of 12.56. 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 ROE % is 18.74%, which is 49% above median its 10-year median of 12.56 and 83.4% above the Banks industry median of 10.22. 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 % calculated?
ROE % is calculated from a company's financial statements. For River Financial (RVRF), the current ROE % is 18.74% 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 %: 18.74% (49% above median its 10-year median of 12.56)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 83.4% above the Banks median (#194 of 1525)
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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