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River Financial Corp. (RVRF)
OTHER OTC:RVRF
US Market
RVRF
River Financial
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River Financial (RVRF) Ratios

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River Financial Ratios

RVRF's free cash flow for Q2 2026 was $0.65. For the 2026 fiscal year, RVRF's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 9.81 640.12 0.24 0.25 0.30
Quick Ratio
 9.81 640.12 0.24 0.25 0.30
Cash Ratio
 0.60 27.70 0.04 0.02 0.03
Solvency Ratio
 0.01 0.01 0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.71 50.94 0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.71 50.94 1.62 1.46 5.80
Net Current Asset Value
$ -2.95B$ -2.81B$ -2.60B$ -2.35B$ -1.94B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.04 0.07 0.09 0.05
Debt-to-Equity Ratio
 0.57 0.49 1.15 1.41 1.03
Debt-to-Capital Ratio
 0.36 0.33 0.54 0.59 0.51
Long-Term Debt-to-Capital Ratio
 0.24 0.32 0.51 0.57 0.49
Financial Leverage Ratio
 12.68 12.63 15.43 15.95 20.50
Debt Service Coverage Ratio
 0.35 0.59 0.36 0.43 1.70
Interest Coverage Ratio
 0.86 0.72 0.54 0.63 3.59
Debt to Market Cap
 0.48 0.45 1.12 1.32 0.63
Interest Debt Per Share
 33.13 28.64 44.77 48.67 22.97
Net Debt to EBITDA
 2.01 2.02 3.22 6.50 1.64
Profitability Margins
Gross Profit Margin
62.67%60.00%56.10%61.93%86.33%
EBIT Margin
29.11%26.25%22.17%21.97%35.48%
EBITDA Margin
30.39%27.84%24.18%24.30%38.35%
Operating Profit Margin
29.11%26.25%22.17%21.97%35.48%
Pretax Profit Margin
29.11%26.25%22.17%21.97%35.48%
Net Profit Margin
22.27%20.24%16.88%17.49%27.62%
Continuous Operations Profit Margin
22.27%20.24%16.88%17.49%27.62%
Net Income Per EBT
76.49%77.14%76.16%79.61%77.85%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.23%1.11%0.87%0.83%0.99%
Return on Equity (ROE)
16.46%14.04%13.49%13.18%20.21%
Return on Capital Employed (ROCE)
1.64%1.44%8.35%6.88%12.06%
Return on Invested Capital (ROIC)
5.91%5.52%6.08%5.30%9.13%
Return on Tangible Assets
1.24%1.12%0.88%0.83%1.00%
Earnings Yield
13.66%13.57%13.17%12.38%12.37%
Efficiency Ratios
Receivables Turnover
 11.81 11.90 11.62 10.85 10.03
Payables Turnover
 0.00 0.00 0.00 0.00 1.03
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.22 4.09 4.06 3.38 2.51
Asset Turnover
 0.06 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 0.32 -0.25 -0.08 -0.08 -0.07
Cash Conversion Cycle
 30.90 30.66 31.41 33.65 -317.30
Days of Sales Outstanding
 30.90 30.66 31.41 33.65 36.40
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 353.70
Operating Cycle
 30.90 30.66 31.41 33.65 36.40
Cash Flow Ratios
Operating Cash Flow Per Share
 6.97 6.93 4.80 3.50 7.15
Free Cash Flow Per Share
 7.10 6.18 4.32 2.37 6.31
CapEx Per Share
 0.31 1.09 0.48 1.13 0.83
Free Cash Flow to Operating Cash Flow
 1.02 0.89 0.90 0.68 0.88
Dividend Paid and CapEx Coverage Ratio
 5.29 4.24 4.89 2.20 5.61
Capital Expenditure Coverage Ratio
 22.66 6.34 9.99 3.09 8.57
Operating Cash Flow Coverage Ratio
 0.30 0.37 0.14 0.09 0.33
Operating Cash Flow to Sales Ratio
 0.24 0.26 0.20 0.16 0.47
Free Cash Flow Yield
15.07%15.45%13.90%7.64%18.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.34 7.37 7.61 8.08 8.09
Price-to-Sales (P/S) Ratio
 1.64 1.49 1.28 1.41 2.23
Price-to-Book (P/B) Ratio
 1.14 1.03 1.02 1.07 1.63
Price-to-Free Cash Flow (P/FCF) Ratio
 6.63 6.47 7.20 13.08 5.39
Price-to-Operating Cash Flow Ratio
 6.71 5.77 6.48 8.86 4.76
Price-to-Earnings Growth (PEG) Ratio
 0.26 0.22 1.22 -0.92 0.81
Price-to-Fair Value
 1.14 1.03 1.02 1.07 1.63
Enterprise Value Multiple
 7.41 7.38 8.52 12.32 7.46
Enterprise Value
 501.40M 427.32M 382.14M 457.51M 289.42M
EV to EBITDA
 7.41 7.38 8.52 12.32 7.46
EV to Sales
 2.25 2.05 2.06 2.99 2.86
EV to Free Cash Flow
 9.10 8.91 11.56 27.71 6.90
EV to Operating Cash Flow
 9.28 7.95 10.40 18.75 6.10
Tangible Book Value Per Share
 37.22 35.00 26.56 24.90 16.30
Shareholders’ Equity Per Share
 40.86 38.66 30.31 29.10 20.81
Tax and Other Ratios
Effective Tax Rate
 0.24 0.23 0.24 0.20 0.22
Revenue Per Share
 28.69 26.81 24.22 21.93 15.23
Net Income Per Share
 6.39 5.43 4.09 3.84 4.21
Tax Burden
 0.76 0.77 0.76 0.80 0.78
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.02 0.22 0.24 0.27 0.33
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.09 1.28 1.17 0.91 1.70
Currency in USD