River Financial Corporation (RVRF)

River Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	164.61	147.73	112.87	73.07	62.06	56.3
Interest Income on Investments	26.64	22.39	19.39	15.8	9.74	7.11
Total Interest Income	191.25	170.11	132.26	88.87	71.8	63.41
Interest Paid on Deposits	68.33	66.03	43.81	7.8	4.04	6.77
Interest Paid on Borrowings	7.96	9.63	9.14	2.18	1.61	1.36
Total Interest Expense	76.29	75.66	52.95	9.99	5.65	8.13
Net Interest Income	114.96	94.45	79.31	78.89	66.15	55.28
Net Interest Income Growth (YoY)	28.69%	19.09%	0.53%	19.26%	19.67%	37.07%
Mortgage Banking Activities	5.93	4.67	3.83	4.74	7.39	5.28
Gain (Loss) on Sale of Investments	-8.43	-2.82	0.01	-2.07	-0.61	0.09
Other Non-Interest Income	15.52	13.56	16.76	9.57	7.76	6.43
Total Non-Interest Income	13.02	15.41	20.6	12.24	14.54	11.81
Non-Interest Income Growth (YoY)	-22.36%	-25.19%	68.26%	-15.82%	23.18%	18.22%
Revenues Before Loan Losses	127.98	109.86	99.91	91.13	80.69	67.08
Provision for Loan Losses	6.88	5.79	5.24	3.84	4.74	8.62
Revenue	121.1	104.07	94.66	87.29	75.95	58.47
Revenue Growth (YoY)	20.10%	9.94%	8.45%	14.94%	29.90%	23.34%
Salaries and Employee Benefits	41.14	37.79	36.16	30.26	27.01	21.91
Federal Deposit Insurance	2.77	2.82	2.65	1.32	1.3	0.83
Selling, General & Administrative	16.01	13.79	13.34	11.44	9.26	8.34
Other Non-Interest Expense	8.71	8.27	8.86	8.39	6.25	5.47
Total Non-Interest Expense	68.74	62.95	61.08	51.41	43.75	36.78
EBT Excluding Unusual Items	52.36	41.12	33.59	35.88	32.2	21.69
Pretax Income	52.36	41.12	33.59	35.88	32.2	21.69
Income Tax Expense	11.92	9.8	6.85	7.95	7.16	4.6
Net Income	40.43	31.32	26.74	27.93	25.04	17.09
Net Income to Common	40.43	31.32	26.74	27.93	25.04	17.09
Net Income Growth	33.78%	17.12%	-4.26%	11.55%	46.49%	53.77%
Basic Shares Outstanding	8	8	7	7	7	6
Diluted Shares Outstanding	8	8	7	7	7	7
Shares Change (YoY)	0.73%	9.43%	4.67%	2.06%	0.64%	10.85%
EPS (Basic)	5.23	4.09	3.84	4.21	3.83	2.63
EPS (Diluted)	5.18	4.05	3.79	4.14	3.79	2.60
EPS Growth	32.64%	6.86%	-8.45%	9.23%	45.77%	38.30%
Dividend Per Share	0.540	0.500	0.480	0.440	0.400	0.360
Dividend Growth	8.00%	4.17%	9.09%	10.00%	11.11%	9.09%
Effective Tax Rate	22.78%	23.84%	20.39%	22.15%	22.25%	21.19%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.