River FinancialRVRF 61 3-Year RORE % is 18.85 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. Among 1,472 Banks companies, River Financial ranks better than 68.48% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
River Financial's 3-Year RORE % for the quarter that ended in Mar. 2026 was 18.85%.
The industry rank for River Financial's 3-Year RORE % or its related term are showing as below:
RVRF's 3-Year RORE % is ranked better than 68.48% of 1472
companies
in the Banks industry
Industry Median: 9.93
vs RVRF: 18.85
River Financial (OTCPK:RVRF) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
River Financial 3-Year RORE % Related Terms
River Financial 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for River Financial's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, River Financial's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where River Financial's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
River Financial (RVRF) has a 3-Year RORE % of 18.85 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on River Financial and its competitors. According to the industry distribution chart, River Financial ranks #464 out of 1472 companies in the Banks industry, placing it in the top 31.5%.
Is River Financial's 3-Year RORE % too high?
River Financial's current 3-Year RORE % is 18.85. The Banks industry median 3-Year RORE % is 9.93. River Financial's value of 18.85 is 89.8% above this industry median. Based on the distribution chart, River Financial ranks #464 out of 1472 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 3-Year RORE % compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #464 out of 1472 companies for 3-Year RORE %. This puts River Financial in the upper half of its industry. The industry median 3-Year RORE % is 9.93. River Financial's value of 18.85 is 89.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.93, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current 3-Year RORE % of 18.85 is 89.8% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on River Financial and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current 3-Year RORE % is 18.85. 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 3-Year RORE % is 18.85 and 89.8% above the Banks industry median of 9.93. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For River Financial (RVRF), the current 3-Year RORE % is 18.85 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:
3-Year RORE %: 18.85
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 89.8% above the Banks median (#464 of 1472)
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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