Two Rivers Financial Group, Inc. Logo

Two Rivers Financial Group, Inc.

TRVR

(2.2)
Stock Price

36,00 USD

0.68% ROA

7.24% ROE

8.92x PER

Market Cap.

69.273.152,00 USD

80.38% DER

2.27% Yield

12.7% NPM

Two Rivers Financial Group, Inc. Stock Analysis

Two Rivers Financial Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Two Rivers Financial Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.89x), the stock offers substantial upside potential at a bargain price.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

ROE in an average range (8.64%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.68%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 DER

The stock maintains a fair debt to equity ratio (59%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (306), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Two Rivers Financial Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Two Rivers Financial Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Two Rivers Financial Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Two Rivers Financial Group, Inc. Revenue
Year Revenue Growth
2013 41.574.000
2014 44.135.000 5.8%
2015 42.691.000 -3.38%
2016 43.151.000 1.07%
2017 46.102.000 6.4%
2018 51.851.000 11.09%
2019 43.164.000 -20.13%
2020 48.836.000 11.61%
2021 40.342.000 -21.05%
2022 40.120.000 -0.55%
2023 43.800.000 8.4%
2023 60.257.000 27.31%
2024 65.080.000 7.41%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Two Rivers Financial Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Two Rivers Financial Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 24.245.000 100%
2020 24.343.000 0.4%
2021 19.154.000 -27.09%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Two Rivers Financial Group, Inc. EBITDA
Year EBITDA Growth
2013 -792.000
2014 0 0%
2015 -7.477.000 100%
2016 -7.453.000 -0.32%
2017 -6.668.000 -11.77%
2018 -10.447.000 36.17%
2019 9.452.000 210.53%
2020 28.336.000 66.64%
2021 13.189.000 -114.85%
2022 14.987.000 12%
2023 12.804.000 -17.05%
2023 3.110.000 -311.7%
2024 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Two Rivers Financial Group, Inc. Gross Profit
Year Gross Profit Growth
2013 41.574.000
2014 44.135.000 5.8%
2015 42.691.000 -3.38%
2016 43.151.000 1.07%
2017 46.102.000 6.4%
2018 51.851.000 11.09%
2019 43.164.000 -20.13%
2020 48.836.000 11.61%
2021 40.342.000 -21.05%
2022 40.120.000 -0.55%
2023 43.800.000 8.4%
2023 60.257.000 27.31%
2024 65.080.000 7.41%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Two Rivers Financial Group, Inc. Net Profit
Year Net Profit Growth
2013 6.015.000
2014 9.177.000 34.46%
2015 5.115.000 -79.41%
2016 5.057.000 -1.15%
2017 5.106.000 0.96%
2018 7.880.000 35.2%
2019 5.387.000 -46.28%
2020 20.442.000 73.65%
2021 9.193.000 -122.36%
2022 8.299.000 -10.77%
2023 9.996.000 16.98%
2023 7.089.000 -41.01%
2024 10.724.000 33.9%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Two Rivers Financial Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2013 3
2014 4 33.33%
2015 2 -50%
2016 2 0%
2017 2 0%
2018 3 33.33%
2019 2 -50%
2020 9 75%
2021 4 -166.67%
2022 4 0%
2023 5 25%
2023 3 -33.33%
2024 5 25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Two Rivers Financial Group, Inc. Free Cashflow
Year Free Cashflow Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 7.647.000 100%
2020 13.931.000 45.11%
2021 7.398.000 -88.31%
2022 0 0%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Two Rivers Financial Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 9.869.000 100%
2020 14.831.000 33.46%
2021 8.379.000 -77%
2022 0 0%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Two Rivers Financial Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 2.222.000 100%
2020 900.000 -146.89%
2021 981.000 8.26%
2022 0 0%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Two Rivers Financial Group, Inc. Equity
Year Equity Growth
2013 56.775.000
2014 64.049.000 11.36%
2015 66.923.000 4.29%
2016 68.149.000 1.8%
2017 71.987.000 5.33%
2018 77.574.000 7.2%
2019 82.766.000 6.27%
2020 102.980.000 19.63%
2021 106.868.000 3.64%
2022 93.468.000 -14.34%
2023 98.411.000 5.02%
2023 92.034.000 -6.93%
2024 102.011.000 9.78%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Two Rivers Financial Group, Inc. Assets
Year Assets Growth
2013 671.311.000
2014 674.795.000 0.52%
2015 718.540.000 6.09%
2016 778.098.000 7.65%
2017 840.908.000 7.47%
2018 837.918.000 -0.36%
2019 862.055.000 2.8%
2020 1.010.173.000 14.66%
2021 994.747.000 -1.55%
2022 1.248.875.000 20.35%
2023 1.198.267.000 -4.22%
2023 1.197.992.000 -0.02%
2024 1.168.033.000 -2.56%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Two Rivers Financial Group, Inc. Liabilities
Year Liabilities Growth
2013 95.310.000
2014 10.310.000 -824.44%
2015 651.617.000 98.42%
2016 709.949.000 8.22%
2017 768.921.000 7.67%
2018 760.344.000 -1.13%
2019 779.289.000 2.43%
2020 907.193.000 14.1%
2021 887.879.000 -2.18%
2022 43.688.000 -1932.32%
2023 1.099.856.000 96.03%
2023 80.115.000 -1272.85%
2024 1.066.021.999 92.48%

Two Rivers Financial Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
25.4
Net Income per Share
3.36
Price to Earning Ratio
8.92x
Price To Sales Ratio
1.18x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.68
EV to Sales
2.28
EV Over EBITDA
40.78
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
0,07 Bil.
Enterprise Value
0,13 Bil.
Graham Number
57.72
Graham NetNet
-468.32

Income Statement Metrics

Net Income per Share
3.36
Income Quality
0
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.76
EBT Per Ebit
3.07
Ebit per Revenue
0.05
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.05
Pretax Profit Margin
0.17
Net Profit Margin
0.13

Dividends

Dividend Yield
0.02
Dividend Yield %
2.27
Payout Ratio
0
Dividend Per Share
0.68

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.11
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-7,42
Book Value per Share
44,10
Tangible Book Value per Share
32.42
Shareholders Equity per Share
44.1
Interest Debt per Share
44.84
Debt to Equity
0.8
Debt to Assets
0.07
Net Debt to EBITDA
19.72
Current Ratio
0
Tangible Asset Value
0,07 Bil.
Net Current Asset Value
-1,05 Bil.
Invested Capital
44201000
Working Capital
0,02 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.18

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Two Rivers Financial Group, Inc. Dividends
Year Dividends Growth
2008 1
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%

Two Rivers Financial Group, Inc. Profile

About Two Rivers Financial Group, Inc.

Two Rivers Financial Group, Inc., through its subsidiaries, offers various banking products and services. It offers checking and savings products; personal, home equity, home mortgage, and construction loans; and business and agricultural loans, as well as business services, such as remote deposit capture, bill payment, and credit and debit cards. The company also provides wealth management services, including trust, retirement, investment management, estate planning and management, financial planning, and brokerage services; overdraft services; and digital banking service. The company was formerly known as Great River Financial Group Inc. and changed its name to Two Rivers Financial Group, Inc. in 2007. Two Rivers Financial Group, Inc. was founded in 1904 and is based in Burlington, Iowa.

CEO
Mr. Frank J. Delaney III
Employee
181
Address
222 North Main Street
Burlington, 52601

Two Rivers Financial Group, Inc. Executives & BODs

Two Rivers Financial Group, Inc. Executives & BODs
# Name Age
1 Darrell Burchfield
Senior Vice President of Information Technology
70
2 Ms. Barbara Smidt
President of Market
70
3 Ms. Rhonda Carlston
Senior Vice President of Human Resources
70
4 Ms. Cristy L. Schmidt
Secretary & Director
70
5 Mr. Frank J. Delaney III
Chairman & Interim Chief Executive Officer
70
6 Ms. Andrea Gerst
Chief Financial Officer
70
7 Mr. William E. Partain
Chief Operating Officer
70

Two Rivers Financial Group, Inc. Competitors