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Close of 30 Oct 2026, in USD
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About River Financial
From its filings with the US Securities and Exchange Commission
River Financial is based in Prattville, Alabama and is incorporated in Alabama. Its shares trade on OTC under the ticker RVRF. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $42.1m. At that date it held total assets of $3.79bn and shareholders' equity of $293.6m.
We are a bank holding company headquartered in Prattville, Alabama. River Bank & Trust was formed as an Alabama banking corporation in March 2006. In November 2012, River Financial Corporation was formed as an Alabama corporation and all the common shares of River Bank & Trust were exchanged for common shares of River Financial Corporation and River Bank & Trust became the wholly owned subsidiary of River Financial Corporation.
We operate one subsidiary bank, River Bank & Trust. Through the Bank, we provide a broad array of financial services to businesses, business owners, and professionals. We operate 23 full-service banking offices, located in Montgomery, Prattville, Millbrook, Wetumpka, Auburn, Opelika, Alexander City, Dothan, Enterprise, Daphne, Clanton, Mobile, Gadsden, Decatur, Saraland, Huntsville, Birmingham, and Florence, Alabama. The Bank also has been approved for full service offices in Tuscaloosa, Alabama and Destin, Florida which are currently operating as loan production offices. Our market areas generally include the Montgomery, Auburn-Opelika, Gadsden, Dothan, Mobile, Huntsville, and Birmingham Metropolitan Statistical Areas.
Quoted from its 10-K, filed 10 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- N/A
- Industry
- N/A
- Listed since
- 4 Jan 2017
- Employees
- 365
- Head office
- 2611 LEGENDS DRIVE, PRATTVILLE, AL, 36066
- Incorporated in
- AL
- Classification
- State Commercial Banks
- Filer status
- Accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Mr. Larry PuckettIndependent Chairman of the Board$22,000
- Mr. Gerald SmithPresident, Director, since 2015$555,609
- Mr. James StubbsChief Executive Officer, Director, since 2015$710,336
- Mr. W. Murray NeighborsIndependent Vice Chairman of the Board$22,000
- Mr. Jason DavisChief Financial Officer, Executive Vice President, Secretary$349,788
- Mr. Gene CraneExecutive Vice President, River Region President, Business Banking Manager$383,326
- Mr. John FreemanIndependent Director$22,000
- Mr. Brian McLeodIndependent Director$22,000
- Mr. Charles MooreIndependent Director$22,000
- Mr. Vernon TaylorIndependent Director$22,000
- Ms. Karen SmithVice President, since 2025
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Established Reputation: River Financial Corp has built a strong reputation within the financial industry, earning trust and credibility from its clients.
- Innovative Technological Platforms: The company utilizes advanced technology to provide efficient and user-friendly financial services, enhancing the overall customer experience.
- Experienced Team: River Financial Corp boasts a highly skilled and knowledgeable team, capable of managing complex financial transactions and ensuring customer satisfaction.
Weaknesses
- Limited Market Penetration: Despite its strengths, River Financial Corp has a relatively small market share, limiting its reach and potential for growth.
- Dependency on External Factors: The company is susceptible to external factors such as economic fluctuations, regulatory changes, and competition, which may impact its performance.
- Operational Risks: Like any financial institution, River Financial Corp faces operational risks such as cybersecurity threats, fraud, and system failures that could potentially harm its operations.
Opportunities
- Growing Demand for Digital Financial Services: With the increasing adoption of digital technologies, there is a significant opportunity for River Financial Corp to attract more customers who prefer online financial services.
- Expansion into New Markets: River Financial Corp can explore expansion opportunities by targeting new geographical markets, enabling the company to tap into untapped customer bases and diversify its revenue streams.
- Strategic Partnerships: Collaborating with established financial institutions or technology companies can open doors for River Financial Corp to access new resources, expertise, and customer networks.
Threats
- Intense Competition: The financial industry is highly competitive, and River Financial Corp faces considerable competition from both traditional banks and emerging fintech startups.
- Regulatory Changes: Changes in governmental regulations and compliance requirements may impact the company's operations, requiring River Financial Corp to adapt and invest resources to remain compliant.
- Economic Uncertainty: Fluctuations in the economy, interest rates, and market conditions can affect customer behavior and investment decisions, potentially impacting River Financial Corp's revenue and profitability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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