River Financial Corp. (RVRF) intrinsic value & 10-year financials
River Financial Corp. (RVRF) has a Graham intrinsic value of $177.12 per share. At $47.00 on Oct 17, 2026, the stock trades 73% below that value. Over the last 10 fiscal years revenue grew 21.6% a year to $1.3M, with an average return on invested capital of 12.1%.
- Graham intrinsic value
- $177.12
- Share price (Oct 17, 2026)
- $47.00
- Price vs Graham value
- 73% below
- Market cap
- $368.0M
- Revenue (FY2025)
- $1.3M
- Revenue growth (10-yr CAGR)
- 21.6%
- ROIC (10-yr avg)
- 12.1%
- Free cash flow (FY2025)
- $45.3M
RVRF 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $1.3M | $42.1M | $5.38 | $45.3M | — | — |
| FY2024 | $789.0K | $31.3M | $4.05 | $33.1M | — | — |
| FY2023 | $592.0K | $26.7M | $3.79 | $16.5M | — | — |
| FY2022 | $643.0K | $27.9M | $4.14 | $41.9M | — | — |
| FY2021 | $285.0K | $25.0M | $3.79 | $35.5M | — | — |
| FY2020 | $184.0K | $17.1M | $2.60 | $2.4M | — | — |
| FY2019 | $99.0K | $11.1M | $1.88 | $5.9M | — | — |
| FY2018 | $136.0K | $8.5M | $1.60 | $11.8M | — | — |
| FY2017 | $58.0K | $8.3M | $1.60 | $12.7M | — | — |
| FY2016 | $221.0K | $7.9M | $1.55 | $1.1M | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
River Financial Corp is a consistent compounder, expanding top-line revenue at 21.6% annually over the past decade.
River Financial Corp 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.
River Financial Corp has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, River Financial Corp is modeled at 14.8% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $177.12 per share.