Company research
River Financial Corp
CIK 1641601Updated Nov 13, 2026
SecurityRVRF · OTC · equity
RVRF price & chart
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OTC:RVRF on TradingView ↗About the company
River Financial Corporation operates as the bank holding company for River Bank & Trust. River Bank & Trust operates twenty-four full-service banking offices in Alabama in the cities of Montgomery, Prattville, Millbrook, Wetumpka, Auburn, Opelika, Gadsden, Alexander City, Daphne, Clanton, Dothan, Enterprise, Mobile, Decatur, Huntsville, Saraland, Birmingham, Florence, and Tuscaloosa, Alabama. We also have one full-service banking office in Destin, Florida. For more information contact InvestorRelations@river.bankor go to riverbankandtrust.com/about-us/investor-relations.
In the news
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SEC disclosures
Recent filings
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
10-Q filing
Material Cybersecurity Incidents
Items 1.05, 9.01
Material Cybersecurity Incidents
Items 1.05, 9.01
Show 5 more recent filings
Results of Operations and Financial Condition
Items 2.02, 9.01
Material Cybersecurity Incidents
Items 1.05, 9.01
Material Cybersecurity Incidents
Items 1.05, 9.01
11-K filing
Material Cybersecurity Incidents
Items 1.05, 9.01
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 3,844,608,000Source | 3,496,474,000Source | 4,017,779,000Source | 3,687,506,000Source | 3,424,101,000Source | 3,915,239,000Source | 3,632,568,000Source | 3,368,560,000Source | 3,787,385,000Source | 3,582,206,000Source | 3,235,250,000Source | 2,833,382,000Source |
| Property, Plant and Equipment, NetUSD | 47,421,000Source | 44,791,000Source | 52,701,000Source | 45,917,000Source | 44,949,000Source | 52,064,000Source | 45,614,000Source | 45,536,000Source | 50,816,000Source | 45,658,000Source | 45,216,000Source | 40,213,000Source |
| GoodwillUSD | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source |
| Operating Lease, Right-of-Use AssetUSD | 6,022,000Source | 2,821,000Source | 6,964,000Source | 3,074,000Source | 2,964,000Source | 6,649,000Source | 2,568,000Source | 3,104,000Source | 6,467,000Source | 2,691,000Source | 3,243,000Source | 3,582,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 3,561,378,000Source | 3,257,816,000Source | 3,700,842,000Source | 3,428,226,000Source | 3,211,664,000Source | 3,611,260,000Source | 3,383,777,000Source | 3,166,350,000Source | 3,487,525,000Source | 3,350,051,000Source | 3,032,429,000Source | 2,695,196,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 7,794,000Source | 7,679,000Source | 7,880,000Source | 7,795,000Source | 7,676,000Source | 7,877,000Source | 7,795,000Source | 7,677,000Source | 7,799,000Source | 7,680,000Source | 7,670,000Source | 6,666,000Source |
| Retained Earnings (Accumulated Deficit)USD | 178,846,000Source | 142,606,000Source | 209,895,000Source | 168,172,000Source | 133,953,000Source | 196,046,000Source | 156,084,000Source | 126,310,000Source | 189,731,000Source | 151,817,000Source | 124,333,000Source | 100,826,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -38,717,000Source | -47,025,000Source | -37,430,000Source | -52,030,000Source | -63,686,000Source | -36,101,000Source | -50,406,000Source | -66,934,000Source | -33,209,000Source | -61,658,000Source | -64,003,000Source | -71,564,000Source |
| Stockholders' Equity Attributable to ParentUSD | 276,885,000Source | 233,284,000Source | 310,073,000Source | 253,661,000Source | 208,195,000Source | 297,746,000Source | 243,076,000Source | 197,726,000Source | 293,627,000Source | 227,056,000Source | 198,338,000Source | 134,026,000Source |
| Additional Paid in Capital, Common StockUSD | 140,439,000Source | 137,202,000Source | 142,483,000Source | 140,506,000Source | 137,185,000Source | 142,187,000Source | 140,487,000Source | 137,195,000Source | 140,567,000Source | 137,243,000Source | 137,017,000Source | 104,294,000Source |
| Liabilities and EquityUSD | 3,844,608,000Source | 3,496,474,000Source | 4,017,779,000Source | 3,687,506,000Source | 3,424,101,000Source | 3,915,239,000Source | 3,632,568,000Source | 3,368,560,000Source | 3,787,385,000Source | 3,582,206,000Source | 3,235,250,000Source | 2,833,382,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation, Depletion and AmortizationUSD | — | — | — | — | — | — | 861,000Source | 811,000Source | 3,323,000Source | 3,234,000Source | 2,882,000Source | 2,029,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 293,000Source | 289,000Source | 1,114,000Source | 527,000Source | 524,000Source | 496,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 39,000Source | 62,000Source | -1,384,000Source | -1,688,000Source | -1,896,000Source | -702,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 13,174,000Source | 12,477,000Source | 53,744,000Source | 36,731,000Source | 24,397,000Source | 47,467,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -70,845,000Source | -44,258,000Source | -239,302,000Source | -236,116,000Source | -391,517,000Source | -513,477,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 2,109,000Source | 767,000Source | 8,479,000Source | 3,677,000Source | 7,884,000Source | 5,540,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 926,000Source | 115,000Source | 1,687,000Source | 2,558,000Source | 1,080,000Source | 1,365,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 115,740,000Source | 30,897,000Source | 128,337,000Source | 312,582,000Source | 364,841,000Source | 478,874,000Source |
| Dividends paid | — | — | — | — | — | — | —Source | —Source | —Source | —Source | —Source | —Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 58,069,000Source | -884,000Source | -57,221,000Source | 113,197,000Source | -2,279,000Source | 12,864,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 10,925,000Source | 8,470,000Source | 8,180,000Source | 4,805,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Debt Issuance CostsUSD | — | — | — | — | — | — | 7,000Source | 17,000Source | 70,000Source | 71,000Source | 73,000Source | 75,000Source |
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | 82,000Source | 110,000Source | 399,000Source | 512,000Source | 671,000Source | 869,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 434,000Source | 395,000Source | 473,000Source | 408,000Source | 457,000Source | 408,000Source | 1,692,000Source | 1,500,000Source | 2,428,000Source | 1,226,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | -3,472,000Source | 73,000Source | -99,000Source | -99,000Source | 8,000Source | -3,399,000Source | -10,111,000Source | -2,815,000Source | 5,000Source | -2,066,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | — | — | 8,300Source | -3,399,000Source | -10,111,000Source | -2,815,000Source | 5,000Source | -2,066,000Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 3,300,000Source | 3,200,000Source | 2,900,000Source | 2,000,000Source |
| Equipment ExpenseUSD | — | — | 572,000Source | 572,000Source | 721,000Source | 536,000Source | 625,000Source | 547,000Source | 2,259,000Source | 2,167,000Source | 2,007,000Source | 1,596,000Source |
| GoodwillUSD | — | — | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source | 27,817,000Source |
| Income Tax Expense (Benefit)USD | — | — | 2,899,000Source | 2,827,000Source | 4,393,000Source | 3,515,000Source | 4,475,000Source | 2,605,000Source | 12,481,000Source | 9,804,000Source | 6,848,000Source | 7,948,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 10,674,000Source | 8,653,000Source | 13,849,000Source | 12,088,000Source | 14,147,000Source | 8,458,000Source | 42,105,000Source | 31,317,000Source | 26,739,000Source | 27,929,000Source |
| Operating Lease, ExpenseUSD | — | — | — | — | — | — | — | — | 1,200,000Source | 1,000,000Source | 1,000,000Source | 853,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 1,870,000Source | 1,177,000Source | 753,000Source | 1,408,000Source | 667,000Source | 999,000Source | 5,561,000Source | 5,263,000Source | 1,635,000Source | 314,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | — | — | — | — | 32,930,000Source | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 17,085,000Source | 12,092,000Source | 64,027,000Source | 43,407,000Source | 41,760,000Source | 65,905,000Source |
| Proceeds from Stock Options ExercisedUSD | — | — | — | — | — | — | 999,000Source | 192,000Source | 318,000Source | 239,000Source | 354,000Source | 574,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 1,686,000Source | 1,326,000Source | 2,013,000Source | 1,686,000Source | 2,013,000Source | 1,686,000Source | 7,244,000Source | 5,787,000Source | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 13,573,000Source | 11,480,000Source | 18,242,000Source | 15,603,000Source | 18,622,000Source | 11,063,000Source | 54,586,000Source | 41,121,000Source | 33,587,000Source | 35,877,000Source |
| Income Tax Expense (Benefit)USD | — | — | 2,899,000Source | 2,827,000Source | 4,393,000Source | 3,515,000Source | 4,475,000Source | 2,605,000Source | 12,481,000Source | 9,804,000Source | 6,848,000Source | 7,948,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 10,674,000Source | 8,653,000Source | 13,849,000Source | 12,088,000Source | 14,147,000Source | 8,458,000Source | 42,105,000Source | 31,317,000Source | 26,739,000Source | 27,929,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.38Source | 1.13Source | 1.77Source | 1.56Source | 1.81Source | 1.09Source | 5.43Source | 4.09Source | 3.84Source | 4.21Source |
| Earnings Per Share, DilutedUSD per share | — | — | 1.36Source | 1.12Source | 1.74Source | 1.54Source | 1.79Source | 1.08Source | 5.38Source | 4.05Source | 3.79Source | 4.14Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 7,757,260Source | 7,669,628Source | 7,809,308Source | 7,760,469Source | 7,812,724Source | 7,740,082Source | 7,751,710Source | 7,658,553Source | 6,969,533Source | 6,641,358Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 7,836,912Source | 7,739,156Source | 7,947,318Source | 7,834,506Source | 7,898,321Source | 7,805,107Source | 7,829,986Source | 7,730,586Source | 7,064,743Source | 6,749,424Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | 82,000Source | 110,000Source | 399,000Source | 512,000Source | 671,000Source | 869,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 434,000Source | 395,000Source | 473,000Source | 408,000Source | 457,000Source | 408,000Source | 1,692,000Source | 1,500,000Source | 2,428,000Source | 1,226,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | — | — | — | — | 1Source | 0.54Source | 0.54Source | 0.5Source | 0.48Source | 0.44Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | — | 11,492,000Source | 8,744,000Source | 8,650,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | -3,472,000Source | 73,000Source | -99,000Source | -99,000Source | 8,000Source | -3,399,000Source | -10,111,000Source | -2,815,000Source | 5,000Source | -2,066,000Source |
| Equipment ExpenseUSD | — | — | 572,000Source | 572,000Source | 721,000Source | 536,000Source | 625,000Source | 547,000Source | 2,259,000Source | 2,167,000Source | 2,007,000Source | 1,596,000Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 52,952,000Source | 9,985,000Source |
| InterestExpenseOperatingUSD | — | — | 19,475,000Source | 19,621,000Source | 18,714,000Source | 18,778,000Source | 17,774,000Source | 18,463,000Source | 75,940,000Source | 75,664,000Source | — | — |
| Interest Expense, Securities Sold under Agreements to RepurchaseUSD | — | — | — | — | — | — | — | — | 172,000Source | 546,000Source | 569,000Source | 46,000Source |
| Interest Income (Expense), NetUSD | — | — | 31,355,000Source | 23,976,000Source | 34,404,000Source | 29,536,000Source | 33,341,000Source | 27,750,000Source | 121,671,000Source | 94,449,000Source | 79,309,000Source | 78,889,000Source |
| Labor and Related ExpenseUSD | — | — | 11,286,000Source | 9,533,000Source | 13,097,000Source | 10,963,000Source | 11,605,000Source | 9,758,000Source | 43,127,000Source | 38,314,000Source | 36,684,000Source | 30,758,000Source |
| Marketing and Advertising ExpenseUSD | — | — | 352,000Source | 269,000Source | 354,000Source | 271,000Source | 269,000Source | 256,000Source | 1,388,000Source | 997,000Source | 1,408,000Source | 1,131,000Source |
| Operating Lease, ExpenseUSD | — | — | — | — | — | — | — | — | 1,200,000Source | 1,000,000Source | 1,000,000Source | 853,000Source |
| Other Interest and Dividend IncomeUSD | — | — | 1,870,000Source | 1,177,000Source | 753,000Source | 1,408,000Source | 667,000Source | 999,000Source | 5,561,000Source | 5,263,000Source | 1,635,000Source | 314,000Source |
Filing attachments
ck0001641601-ex99_1.htm · 8-K · 2026-10-15
River Financial Corporation Reports 12.6% Increase in Tangible Book Value Per Share River Financial Corporation has experienced a 12.6% increase in tangible book value per share from $32.90 at September 30, 2025 to $37.03 at September 30, 2026. Other highlights as of September 30, 2026 include the following: Income/Profitability: • Year-to-date net income increased $11.8 million, or 37.9%, from $31.2 million at September 30, 2025 to $43.0 million for the nine months ended September 30, 2026.…
Read attachment ↗ck0001641601-ex99_1.htm · 8-K · 2026-07-16
EX-99.1 2 ck0001641601-ex99_1.htm EX-99.1 EX-99.1 River Financial Corporation Reports 24.2% Increase in Tangible Book Value Per Share River Financial Corporation has experienced a 24.2% increase in tangible book value per share from $29.75 at June 30, 2025 to $36.94 at June 30, 2026. Other highlights as of June 30, 2026 include the following: Income/Profitability: • Year-to-date net income increased $7.5 million, or 36.3%, from $20.5 million at June 30, 2025 to $28.0 million at June 30,…
Read attachment ↗ck0001641601-ex99_1.htm · 8-K · 2026-04-14
EX-99.1 2 ck0001641601-ex99_1.htm EX-99.1 EX-99.1 River Financial Corporation Reports 24.4% Increase in Tangible Book Value Per Share River Financial Corporation has experienced a 24.4% increase in tangible book value per share from $28.36 at March 31, 2025 to $35.29 at March 31, 2026. Other highlights as of March 31, 2026 include the following: Income/Profitability: • Year-to-date net income increased $5.7 million, or 67.3%, from $8.5 million at March 31, 2025 to $14.2 million at March…
Read attachment ↗ck0001641601-ex99_1.htm · 8-K · 2026-01-26
January 26, 2026 Dear River Financial Corporation Shareholder, I’m pleased to announce that the Board of Directors has declared a dividend payment of $1.00 per share to shareholders of record as of February 13, 2026. This payment represents an 85% increase from the company’s 2025 dividend of $0.54 per share. Depending on how your shareholder account is set up, you can expect either a direct deposit or a physical check to be mailed from our stock transfer agent, Computershare, Inc., on Friday, …
Read attachment ↗ck0001641601-ex99_1.htm · 8-K/A · 2026-01-21
River Financial Corporation Reports 31.4% Increase in Tangible Book Value Per Share River Financial Corporation has experienced a 31.4% increase in tangible book value per share from $26.67 at December 31, 2024 to $35.05 at December 31, 2025. Other highlights as of December 31, 2025 include the following: Income/Profitability: • Year-to-date net income increased $10.8 million, or 34.5%, from $31.3 million at December 31, 2024 to $42.1 million at December 31, 2025. • Year-to-date basic earni…
Read attachment ↗ck0001641601-ex99_1.htm · 8-K · 2026-01-20
River Financial Corporation Reports 31.4% Increase in Tangible Book Value Per Share River Financial Corporation has experienced a 31.4% increase in tangible book value per share from $26.67 at December 31, 2024 to $35.05 at December 31, 2025. Other highlights as of December 31, 2025 include the following: Income/Profitability: • Year-to-date net income increased $10.8 million, or 34.5%, from $31.3 million at December 31, 2024 to $42.1 million at December 31, 2025. • Quarter-to-date net inco…
Read attachment ↗