River FinancialRVRF 61 5-Year Yield-on-Cost % is 2.08 as of Jul. 05, 2026, which is 30% above its 10-year median of 1.60. 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 1,251 Banks companies, River Financial ranks worse than 80.66% on this metric.
River Financial's yield on cost for the quarter that ended in Mar. 2026 was 2.08.
The historical rank and industry rank for River Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
RVRF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.08 Med: 1.6 Max: 2.15
Current: 2.08
During the past 11 years, River Financial's highest Yield on Cost was 2.15. The lowest was 1.08. And the median was 1.60.
RVRF's 5-Year Yield-on-Cost % is ranked worse than 80.66% of 1251
companies
in the Banks industry
Industry Median: 3.93
vs RVRF: 2.08
River Financial (OTCPK:RVRF) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
River Financial 5-Year Yield-on-Cost % Related Terms
RVRF vs AVBC, MVBF, USCB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, River Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, River Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where River Financial's 5-Year Yield-on-Cost % falls into.
River Financial 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of River Financial is calculated as
River Financial (RVRF) has a 5-Year Yield-on-Cost % of 2.08 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on River Financial and its competitors. This is 30% above median its historical median of 1.60. Over the past decade, River Financial's 5-Year Yield-on-Cost % has ranged from 1.08 to 2.15. According to the industry distribution chart, River Financial ranks #1009 out of 1251 companies in the Banks industry, placing it in the top 80.7%.
Is River Financial's 5-Year Yield-on-Cost % too high?
River Financial's current 5-Year Yield-on-Cost % of 2.08 is 30% above median its 10-year median of 1.60. Over the past 10 years, this metric has ranged from a low of 1.08 to a high of 2.15. The Banks industry median 5-Year Yield-on-Cost % is 3.93. River Financial's value of 2.08 is 47.1% below this industry median. Based on the distribution chart, River Financial ranks #1009 out of 1251 companies in the Banks industry, which is in the bottom quartile 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 5-Year Yield-on-Cost % compare to AVBC and MVBF?
According to the Banks industry distribution chart, River Financial ranks #1009 out of 1251 companies for 5-Year Yield-on-Cost %. This places River Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.93. River Financial's value of 2.08 is 47.1% below this benchmark. Historically, River Financial's own 5-Year Yield-on-Cost % has ranged from 1.08 to 2.15 over the past decade. While the company's 10-year median is 1.60 vs. the industry median of 3.93, River Financial has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.93, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Financial's current 5-Year Yield-on-Cost % of 2.08 is 47.1% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on River Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Financial's current 5-Year Yield-on-Cost % is 2.08, which is 30% above median its own 10-year median of 1.60. 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 5-Year Yield-on-Cost % is 2.08, which is 30% above median its 10-year median of 1.60 and 47.1% below the Banks industry median of 3.93. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For River Financial (RVRF), the current 5-Year Yield-on-Cost % is 2.08 as of Jul. 05, 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:
5-Year Yield-on-Cost %: 2.08 (30% above median its 10-year median of 1.60)
GF Value™: $40.24 vs. price of $48.00 (19.3% above fair value)
Industry Position: 47.1% below the Banks median (#1009 of 1251)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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