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Two Rivers Financial Group, Inc. (TRVR)
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 52 | 41 | 40 | 43 | 41 | 46 | 46 |
| Operating profit | $m | 14 | 14 | |||||
| Net profit | $m | 20 | 9 | 8 | 7 | 8 | 10 | 10 |
| EPS reported | $ | 4.98 | 4.84 | |||||
| Operating cashflow per share | $ | 0.00 | 0.00 | |||||
| Capex per share | $ | 0.00 | 0.00 | |||||
| FCF per share | $ | 0.00 | 0.00 | |||||
| Free cash flow | $m | - | 0 | |||||
| Net debt | $m | -35 | -35 | |||||
| Book value equity | $m | 118 | 118 | |||||
| Book value per share | $ | 56.49 | 56.44 | |||||
| Number of shares | m | 2.08 | 2.09 | |||||
| DPS (TTM paid) | $ | 0.70 | 0.70 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 9.44 | 10.37 | |||||
| P/B LTM | x | 0.83 | 0.90 | |||||
| P/S LTM | x | 2.15 | 2.32 | |||||
| P/FCF LTM | x | 0.00 | 0.00 | |||||
| EV/EBITDA LTM | x | 4.63 | 5.21 | |||||
| EV/Sales LTM | x | 0.93 | 1.55 | |||||
| Earnings Yield LTM | % | 10.59% | 9.64% | |||||
| FCF Yield | % | 0.00% | 0.00% | |||||
| Quality | ||||||||
| ROE | % | 8.82% | 9.29% | |||||
| ROIC | % | 6.57% | 6.57% | |||||
| Operating margin | % | 20.15% | 20.15% | |||||
| Gross margin | % | 66.82% | 66.82% | |||||
| FCF/Sales | % | 0.00% | 0.00% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +25.76% | +25.76% | |||||
| Sales Growth YoY | % | +10.83% | +10.83% | |||||
| Net Income Growth YoY | % | +24.54% | +24.54% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | -67.47% | -67.47% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 1.49% | 1.39% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 17.69% | 14.06% | |||||
| FCF/Debt | x | - | 0.00 | |||||
| Net Debt/EBITDA | x | -2.60 | -2.60 | |||||
| EBIT/Net interest | x | 0.62 | 0.62 | |||||
| Net debt/market cap | % | -35.92% | -33.26% | |||||
| Net debt/Equity | x | -0.30 | -0.30 | |||||
| Gross debt/equity | x | 0.30 | 0.30 | |||||
Company overview
Two Rivers Financial Group, Inc., operating through its various subsidiaries, delivers a comprehensive array of financial and banking solutions. Its core offerings encompass fundamental services such as checking and savings accounts, in addition to diverse lending options including personal, home equity, residential mortgage, and construction loans. The group also caters to commercial and agricultural sectors with tailored credit products and essential business services like remote deposit capture, electronic bill payment, and corporate credit and debit cards. Beyond traditional banking, Two Rivers Financial Group extends its expertise to wealth management, providing trust administration, retirement planning, investment oversight, estate planning and management, financial advisory, and brokerage services. Clients also benefit from convenient digital banking platforms and overdraft protection. Established in 1904 and headquartered in Burlington, Iowa, the company adopted its current name, Two Rivers Financial Group, Inc., in 2007, having previously operated as Great River Financial Group Inc.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Two Rivers Financial Group, Inc. (TRVR)
Two Rivers Financial Group, Inc., operating through its various subsidiaries, delivers a comprehensive array of financial and banking solutions. Its core offerings encompass fundamental services such as checking and savings accounts, in addition to diverse lending options including personal, home equity, residential mortgage, and construction loans. The group also caters to commercial and agricultural sectors with tailored credit products and essential business services like remote deposit capture, electronic bill payment, and corporate credit and debit cards. Beyond traditional banking, Two Rivers Financial Group extends its expertise to wealth management, providing trust administration, retirement planning, investment oversight, estate planning and management, financial advisory, and brokerage services. Clients also benefit from convenient digital banking platforms and overdraft protection. Established in 1904 and headquartered in Burlington, Iowa, the company adopted its current name, Two Rivers Financial Group, Inc., in 2007, having previously operated as Great River Financial Group Inc.
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