River Financial Corporation 2025 Annual Report: SEC 10-K Filing, Company Overview, Financials, and Risk Factors

Shareholder and Equity Information:

As of March 4, 2026, there are 7,831,639 shares of common stock outstanding (par value \$1.00 per share).
There is no public market for the company’s common stock. However, the company estimates the aggregate market value of voting common equity held by non-affiliates at \$182.0 million as of June 30, 2025, based on a six-month average of known private trades at \$31.90 per share.

Auditor and Financial Control:

The company has filed an attestation report on internal control over financial reporting by its registered public accounting firm, as required by Section 404(b) of the Sarbanes-Oxley Act. This signals a strong commitment to financial transparency and internal control.

Corporate Governance and Filing Details:

The report covers the fiscal year ending December 31, 2025, and was filed on March 10, 2026.
The company’s primary business address is 2611 Legends Drive, Prattville, AL 36066.
River Financial Corp is in the “State Commercial Banks” sector (SIC 6022).

Market Sensitivity and Price-Affecting Information:

The confirmation that there is no public market for the common stock may affect liquidity for investors and could be a significant consideration for potential buyers or sellers of shares.
The valuation of \$182.0 million for common equity held by non-affiliates—based on private trades—provides an important benchmark for shareholders attempting to estimate the company’s market value absent a public listing.
The absence of any restatements, error corrections, or recoupment of executive compensation is a positive signal regarding the stability and governance of the company.
The company is not a large accelerated filer or an accelerated filer, which might affect the speed and nature of future disclosures and could impact market perceptions of transparency and growth potential.

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