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River FinancialRVRF 65 3-Year Share Buyback Ratio is -5.20 as of Mar. 2026. GuruFocus rates RVRF with a GF Score™ of 65/100 and a GF Value™ of $40.47 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,040 Banks companies, River Financial ranks worse than 79.9% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. River Financial's current 3-Year Share Buyback Ratio was -5.20%.
The historical rank and industry rank for River Financial's 3-Year Share Buyback Ratio or its related term are showing as below:
RVRF'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -8.5 Med: -5.15 Max: -0.8
Current: -5.2
During the past 11 years, River Financial's highest 3-Year Share Buyback Ratio was -0.80%. The lowest was -8.50%. And the median was -5.15%.
RVRF's 3-Year Share Buyback Ratio is ranked worse than 79.9% of 1040
companies
in the Banks industry
Industry Median: -0.2
vs RVRF: -5.20
River Financial (OTCPK:RVRF) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
River Financial 3-Year Share Buyback Ratio Related Terms
RVRF vs MVBF, FRST, NECB: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, River Financial's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where River Financial's 3-Year Share Buyback Ratio falls into.
River Financial 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -5.20 mean?
River Financial (RVRF) has a 3-Year Share Buyback Ratio of -5.20 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for River Financial and its competitors. According to the industry distribution chart, River Financial ranks #831 out of 1040 companies in the Banks industry, placing it in the top 79.9%.
Is River Financial's 3-Year Share Buyback Ratio too high?
River Financial's current 3-Year Share Buyback Ratio is -5.20. Based on the distribution chart, River Financial ranks #831 out of 1040 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, River Financial has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Financial's 3-Year Share Buyback Ratio compare to MVBF and FRST?
According to the Banks industry distribution chart, River Financial ranks #831 out of 1040 companies for 3-Year Share Buyback Ratio. This places River Financial in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for River Financial and its competitors. River Financial's current 3-Year Share Buyback Ratio is -5.20. 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 $40.47, compared to a current price of $46.00 — trading 13.7% above its estimated fair value. The current 3-Year Share Buyback Ratio is -5.20. River Financial's overall GF Score™ is 65/100 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 Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For River Financial (RVRF), the current 3-Year Share Buyback Ratio is -5.20 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 $46.00 is trading 13.7% above its estimated GF Value™ of $40.47.
GuruFocus considers River Financial to be Modestly Overvalued.
Key valuation signals for RVRF:
3-Year Share Buyback Ratio: -5.20
GF Value™: $40.47 vs. price of $46.00 (13.7% above fair value)
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.
65GF Score
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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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