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Two Rivers Financial Group, Inc. TRVR

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Price alert · TRVR

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50.21 USD 0.00 0.00%

As of Mar 3, 3:00 PM ET

50.15 Day range 50.50
33.21 52-week range 54.54
YTD
+6.83%
1 year
+33.89%
Open
50.21
Prev close
50.21
Mkt cap
105.82M
Vol
570
Avg vol
735
EPS
4.98
P/E
10.08
More statistics
Low
50.15
High
50.50

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Financial health

Altman Z-Score

-0.81 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 9.4×
FY 2016: 11.0×FY 2017: 14.7×FY 2018: 9.4×FY 2019: 12.9×FY 2020: 3.0×FY 2021: 10.1×FY 2022: 10.6×FY 2023: 11.6×FY 2024: 9.3×FY 2025: 9.4×
FY 2016 5y median 10.1× FY 2025
P/S 1.5×
FY 2016: 1.3×FY 2017: 1.6×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 2.3×FY 2022: 2.0×FY 2023: 1.4×FY 2024: 1.2×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/B 0.8×
FY 2016: 0.8×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.8×FY 2020: 0.6×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 9.1×FY 2020: 4.6×FY 2021: 13.3×FY 2022: 9.7×FY 2023: 8.0×FY 2024: 6.6×FY 2025: 0.0×
FY 2016 5y median 8.0× FY 2025
EV/EBITDA 4.6×
FY 2016: 11.8×FY 2017: 16.2×FY 2018: 13.6×FY 2019: 10.9×FY 2020: -0.1×FY 2021: -0.8×FY 2022: 6.5×FY 2023: 11.4×FY 2024: 9.9×FY 2025: 4.6×
FY 2016 5y median 6.5× FY 2025
EV/Sales 0.9×
FY 2016: 2.0×FY 2017: 2.3×FY 2018: 2.7×FY 2019: 2.0×FY 2020: -0.1×FY 2021: -0.3×FY 2022: 1.7×FY 2023: 2.3×FY 2024: 1.7×FY 2025: 0.9×
FY 2016 5y median 1.7× FY 2025
FCF Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 11.0%FY 2020: 21.9%FY 2021: 7.5%FY 2022: 10.3%FY 2023: 12.5%FY 2024: 15.3%FY 2025: 0.0%
FY 2016 5y median 10.3% FY 2025

Profitability

Gross Margin 66.8%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 81.4%FY 2020: 87.1%FY 2021: 94.0%FY 2022: 92.5%FY 2023: 69.7%FY 2024: 64.7%FY 2025: 66.8%
FY 2016 5y median 69.7% FY 2025
Operating Margin 20.2%
FY 2016: 17.3%FY 2017: 14.5%FY 2018: 20.1%FY 2019: 15.0%FY 2020: 46.5%FY 2021: 26.6%FY 2022: 25.6%FY 2023: 14.8%FY 2024: 64.7%FY 2025: 20.2%
FY 2016 5y median 25.6% FY 2025
Net Margin 15.4%
FY 2016: 11.7%FY 2017: 11.1%FY 2018: 15.2%FY 2019: 10.5%FY 2020: 36.1%FY 2021: 21.4%FY 2022: 18.9%FY 2023: 11.8%FY 2024: 12.9%FY 2025: 15.4%
FY 2016 5y median 15.4% FY 2025
ROE 8.8%
FY 2016: 7.4%FY 2017: 7.1%FY 2018: 10.2%FY 2019: 6.5%FY 2020: 19.9%FY 2021: 8.6%FY 2022: 8.9%FY 2023: 7.2%FY 2024: 8.1%FY 2025: 8.8%
FY 2016 5y median 8.6% FY 2025
ROIC 6.6%
FY 2016: 0.6%FY 2017: 0.6%FY 2018: 0.9%FY 2019: 2.5%FY 2020: 11.3%FY 2021: 6.2%FY 2022: 5.3%FY 2023: 0.7%FY 2024: 3.0%FY 2025: 6.6%
FY 2016 5y median 5.3% FY 2025
ROA 0.9%
FY 2016: 0.6%FY 2017: 0.6%FY 2018: 0.9%FY 2019: 0.6%FY 2020: 2.0%FY 2021: 0.9%FY 2022: 0.7%FY 2023: 0.6%FY 2024: 0.7%FY 2025: 0.9%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 4.4%
FY 2016: 1.1%FY 2017: 6.8%FY 2018: 12.5%FY 2019: -0.7%FY 2020: 10.1%FY 2021: -24.3%FY 2022: 2.3%FY 2023: 37.4%FY 2024: 7.0%FY 2025: 4.4%
FY 2016 FY 2025
Operating Income -67.5%
FY 2016: -0.3%FY 2017: -10.5%FY 2018: 56.7%FY 2019: -26.3%FY 2020: 242.0%FY 2021: -56.7%FY 2022: -1.5%FY 2023: -20.8%FY 2024: 368.6%FY 2025: -67.5%
FY 2016 FY 2025
EPS (diluted) 25.8%
FY 2016: -0.9%FY 2017: 0.9%FY 2018: 54.1%FY 2019: -27.4%FY 2020: 279.9%FY 2021: -54.3%FY 2022: -7.5%FY 2023: -14.0%FY 2024: 17.5%FY 2025: 25.8%
FY 2016 FY 2025
Free Cash Flow 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 82.2%FY 2021: -46.9%FY 2022: 21.8%FY 2023: 14.2%FY 2024: 15.6%FY 2025: 0.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.6×FY 2017: 0.8×FY 2018: 0.4×FY 2019: 350×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.6×FY 2017: 0.8×FY 2018: 0.4×FY 2019: 395×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.3×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 1.1×FY 2019: 0.6×FY 2020: 0.7×FY 2021: 0.3×FY 2022: 0.6×FY 2023: 0.8×FY 2024: 0.5×FY 2025: 0.3×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA -2.6×
FY 2016: 4.3×FY 2017: 5.0×FY 2018: 6.5×FY 2019: 3.5×FY 2020: -2.4×FY 2021: -8.3×FY 2022: -1.3×FY 2023: 4.5×FY 2024: 2.9×FY 2025: -2.6×
FY 2016 5y median -1.3× FY 2025
Interest Coverage 0.6×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.9×FY 2020: 6.2×FY 2021: 5.5×FY 2022: 3.0×FY 2023: 0.5×FY 2024: 1.8×FY 2025: 0.6×
FY 2016 5y median 1.8× FY 2025

Dividends

Dividend Yield 1.5%
FY 2016: 2.5%FY 2017: 1.9%FY 2018: 2.0%FY 2019: 2.0%FY 2020: 2.3%FY 2021: 1.5%FY 2022: 1.6%FY 2023: 1.8%FY 2024: 1.9%FY 2025: 1.5%
FY 2016 5y median 1.6% FY 2025
Payout Ratio 14.1%
FY 2016: 27.8%FY 2017: 28.5%FY 2018: 19.1%FY 2019: 26.2%FY 2020: 7.1%FY 2021: 16.0%FY 2022: 17.3%FY 2023: 20.3%FY 2024: 17.7%FY 2025: 14.1%
FY 2016 5y median 17.3% FY 2025

Annual · latest fiscal year ends 2025-12-31