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Two Rivers Financial Group, Inc. TRVR OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Two Rivers Financial Group, Inc. (TRVR) is a Banks - Regional company in the Financial Services sector, currently trading at $50.21. It has a SharesGrow Score of 68/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $67M, +20.4%/yr average growth. Net income is $10M, growing at +9.2%/yr. Net profit margin is 15.4% (healthy). Gross margin is 66.8% (-33.2 pp trend).

Balance sheet: total debt is $36M against $118M equity (Debt-to-Equity (D/E) ratio 0.3, conservative). Current ratio is 0.07 (tight liquidity). Debt-to-assets is 3%. Total assets: $1.2B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 83/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).

TRVR SharesGrow Score Overview

70/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 83/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — TRVR

TRVR trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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TRVR: +20.4%/yr revenue is, +9.2%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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TRVR: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet TRVR: Debt-to-Equity (D/E) ratio 0.3 (conservative), Current ratio is 0.07 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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TRVR: Gross margin is 66.8% (-33.2 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

TRVR: Net profit margin is 15.4%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range33.21-54.54

Volume570

Avg Volume (30D)735

Market Cap$105.82M

Beta (1Y)0.08

Dividend Yield$0.7000

Share Statistics

EPS (TTM)4.98

Shares Outstanding$2.09M

IPO Date2007-06-20

Employees181

CEOFrank J. Delaney

Financial Highlights & Ratios

Revenue (TTM)$67.3M

Gross Profit$44.97M

EBITDA$13.56M

Net Income$10.38M

Operating Income$13.56M

Total Cash$70.76M

Total Debt$35.57M

Net Debt$-35.2M

Total Assets$1.18B

Price / Earnings (P/E)10.1

Price / Sales (P/S)1.57

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS90206L1061

Price Chart

TRVR

Two Rivers Financial Group, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

33.21 52WK RANGE 54.54

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