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Complete financial analysis of River Financial Corporation (RVRF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of River Financial Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.
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River Financial Corporation (RVRF)
About River Financial Corporation
River Financial Corporation operates as the bank holding company for the River Bank & Trust that provides various financial services to businesses, business owners, and professionals in the United States. The company accepts demand, time, savings, and other deposits, including negotiable orders of withdrawal accounts, as well as interest-bearing transaction accounts, money market accounts, and certificates of deposit. It also offers commercial real estate term loans, residential mortgage loans, and construction and land development loans; home equity lines of credit; commercial and industrial loans; and consumer loans comprising loans to purchase automobiles and other consumer durable goods. In addition, it provides commercial and retail online banking, automated bill payment, mobile banking, and remote deposit capture services. The company operates through 18 full-service banking offices located in Alabama, which include Montgomery, Prattville, Millbrook, Wetumpka, Auburn, Opelika, Alexander City, Dothan, Enterprise, Daphne, Clanton, Mobile, Gadsden, and Decatur. River Financial Corporation was founded in 2006 and is headquartered in Prattville, Alabama.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 132.26M | 91.13M | 80.69M | 67.08M | 50.31M | 38.85M | 35.86M | 32.85M | 18.01M | 15.61M | 14.56M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 132.26M | 91.13M | 80.69M | 67.08M | 50.31M | 38.85M | 35.86M | 32.85M | 18.01M | 15.61M | 14.56M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 41.34M | 33.68M | 29.61M | 24.11M | 18.94M | 15.27M | 13.27M | 12.35M | 7.08M | 1.39M | 834.21K |
| Selling & Marketing | 1.41M | 1.13M | 764.00K | 549.00K | 659.00K | 658.00K | 625.00K | 324.00K | 459.00K | 431.00K | 308.04K |
| SG&A | 42.75M | 34.81M | 30.37M | 24.66M | 19.60M | 15.93M | 13.90M | 12.67M | 7.54M | 8.75M | 7.76M |
| Other Expenses | 57.15M | -80.08M | -78.86M | -70.05M | -55.33M | -42.09M | -34.32M | -34.11M | -21.91M | 0.00 | 0.00 |
| Operating Expenses | 99.91M | -45.27M | -48.49M | -45.40M | -35.73M | -23.28M | -20.43M | -21.44M | -14.38M | 10.61M | 10.24M |
| Cost & Expenses | 99.91M | -45.27M | -48.49M | -45.40M | -35.73M | -23.28M | -20.43M | -21.44M | -14.38M | 10.61M | 10.24M |
| Interest Income | 132.26M | 88.87M | 71.80M | 63.41M | 48.83M | 36.69M | 32.17M | 30.31M | 16.34M | 0.00 | 0.00 |
| Interest Expense | 52.95M | 9.99M | 5.65M | 8.13M | 8.50M | 4.68M | 2.62M | 2.35M | 1.22M | 0.00 | 0.00 |
| Depreciation & Amortization | 3.55M | 2.90M | 2.58M | 2.74M | 2.64M | 1.68M | 1.51M | 1.49M | 524.00K | -5.39M | -4.89M |
| EBITDA | 37.14M | 38.78M | 34.78M | 24.43M | 17.22M | 12.57M | 14.32M | 12.90M | 4.16M | -382.00K | -569.86K |
| EBITDA Ratio | 28.08% | 53.51% | 43.10% | 36.41% | 34.22% | 44.41% | 47.24% | 46.44% | 29.87% | -2.45% | -3.91% |
| Operating Income | 33.59M | 45.86M | 32.20M | 21.69M | 14.58M | 15.57M | 15.43M | 11.41M | 3.64M | 5.39M | 4.89M |
| Operating Income Ratio | 25.39% | 50.33% | 39.90% | 32.33% | 28.99% | 40.08% | 43.04% | 34.73% | 20.18% | 34.50% | 33.56% |
| Total Other Income/Expenses | 0.00 | -9.71M | -2.58M | -6.53M | -5.90M | -4.27M | -3.89M | 0.00 | 0.00 | -1.86M | -2.49M |
| Income Before Tax | 33.59M | 35.88M | 32.20M | 21.69M | 14.58M | 10.89M | 12.81M | 11.41M | 3.64M | 5.00M | 4.32M |
| Income Before Tax Ratio | 25.39% | 39.37% | 39.90% | 32.33% | 28.99% | 28.03% | 35.73% | 34.73% | 20.18% | 32.05% | 29.65% |
| Income Tax Expense | 6.85M | 7.95M | 7.16M | 4.60M | 3.47M | 2.38M | 4.52M | 3.50M | 1.27M | 1.52M | 1.37M |
| Net Income | 26.74M | 27.93M | 25.04M | 17.09M | 11.11M | 8.51M | 8.30M | 7.90M | 2.37M | 3.48M | 2.95M |
| Net Income Ratio | 20.22% | 30.65% | 31.03% | 25.48% | 22.09% | 21.90% | 23.13% | 24.06% | 13.15% | 22.29% | 20.27% |
| EPS | 3.84 | 4.21 | 3.83 | 2.63 | 1.90 | 1.63 | 1.63 | 1.55 | 0.47 | 1.13 | 0.96 |
| EPS Diluted | 3.78 | 4.14 | 3.79 | 2.60 | 1.87 | 1.60 | 1.60 | 1.55 | 0.47 | 1.13 | 0.96 |
| Weighted Avg Shares Out | 6.97M | 6.64M | 6.54M | 6.50M | 5.83M | 5.22M | 5.10M | 4.88M | 4.88M | 3.08M | 3.07M |
| Weighted Avg Shares Out (Dil) | 7.06M | 6.75M | 6.61M | 6.57M | 5.93M | 5.31M | 5.18M | 5.09M | 5.09M | 3.08M | 3.07M |
Source: https://incomestatements.info
Category: Stock Reports