RVRF (River Financial) Scaled Net Operating Assets: -0.06 (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 Scaled Net Operating Assets?

River Financial RVRF 61 Scaled Net Operating Assets is -0.06 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

River Financial's operating assets for the quarter that ended in Mar. 2026 was $3,242.0 Mil. River Financial's operating liabilities for the quarter that ended in Mar. 2026 was $3,471.6 Mil. River Financial's Total Assets for the quarter that ended in Dec. 2025 was $3,787.4 Mil. Therefore, River Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.06.

RVRF
61GF Score
River Financial Corp RVRF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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River Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

River Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3665.894-3347.892)/3582.206
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3787.385 - 121.491
=3665.894

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3487.525 - 139.633 - 0
=3347.892

River Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3242.025-3471.62)/3787.385
=-0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3915.239 - 673.214
=3242.025

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3611.26 - 139.64 - 0
=3471.62

* 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 Scaled Net Operating Assets of -0.06 mean?
River Financial (RVRF) has a Scaled Net Operating Assets of -0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on River Financial and its competitors.
Is River Financial's Scaled Net Operating Assets too high?
River Financial's current Scaled Net Operating Assets is -0.06. 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 Scaled Net Operating Assets compare to AVBC and MVBF?
River Financial's Scaled Net Operating Assets of -0.06 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on River Financial and its competitors. River Financial's current Scaled Net Operating Assets is -0.06. 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 Scaled Net Operating Assets is -0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For River Financial (RVRF), the current Scaled Net Operating Assets is -0.06 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:

  • Scaled Net Operating Assets: -0.06
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.00
Price
$40.24
GF Value