Two Rivers Financial Group Inc
Two Rivers Financial Group, Inc., through its subsidiaries, offers financial banking, trust, and investment services. It offers personal banking services, such as personal checking, savings, account services, credit cards, financial planning, and retirement. The business banking services include business checking and savings accounts, business services, business loans, debit and credit cards, and… Read more
Two Rivers Financial Group Inc (TRVR) - Net Assets
Latest net assets as of June 2025: $110.22 Million USD
Based on the latest financial reports, Two Rivers Financial Group Inc (TRVR) has net assets worth $110.22 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.19 Billion) and total liabilities ($1.08 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $110.22 Million |
| % of Total Assets | 9.27% |
| Annual Growth Rate | -14.47% |
| 5-Year Change | 0.2% |
| 10-Year Change | 54.19% |
| Growth Volatility | 28.95 |
Two Rivers Financial Group Inc - Net Assets Trend (2013–2024)
This chart illustrates how Two Rivers Financial Group Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Two Rivers Financial Group Inc (2013–2024)
The table below shows the annual net assets of Two Rivers Financial Group Inc from 2013 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $103.19 Million | +4.85% |
| 2023-12-31 | $98.41 Million | +5.29% |
| 2022-12-31 | $93.47 Million | -12.54% |
| 2021-12-31 | $106.87 Million | +3.78% |
| 2020-12-31 | $102.98 Million | +24.42% |
| 2019-12-31 | $82.77 Million | +6.69% |
| 2018-12-31 | $77.57 Million | +7.76% |
| 2017-12-31 | $71.99 Million | +5.63% |
| 2016-12-31 | $68.15 Million | +1.83% |
| 2015-12-31 | $66.92 Million | -89.93% |
| 2014-12-31 | $664.49 Million | +15.36% |
| 2013-12-31 | $576.00 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Two Rivers Financial Group Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 10819100000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $108.19 Million | 104.85% |
| Common Stock | $2.55 Million | 2.47% |
| Other Comprehensive Income | $-16.98 Million | -16.46% |
| Other Components | $9.43 Million | 9.14% |
| Total Equity | $103.19 Million | 100.00% |
Two Rivers Financial Group Inc Competitors by Market Cap
The table below lists competitors of Two Rivers Financial Group Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
KIRAC GALVANIZ
IS:TCKRC
|
$54.14 Million |
|
Golden Biotechnology Corporation
TWO:4132
|
$54.15 Million |
|
Besiktas Futbol Yatirimlari Sanayi ve Ticaret AS
IS:BJKAS
|
$54.16 Million |
|
Tofu Restaurant Co Ltd
TWO:2752
|
$54.16 Million |
|
Tien Giang Investment and Construction JSC
VN:THG
|
$54.10 Million |
|
GCT Semiconductor Holding Inc
NYSE:GCTS
|
$54.10 Million |
|
First Guaranty Bancshares Inc
NASDAQ:FGBI
|
$54.10 Million |
|
EMS Limited
NSE:EMSLIMITED
|
$54.09 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Two Rivers Financial Group Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 98,411,000 to 103,186,000, a change of 4,775,000 (4.9%).
- Net income of 8,336,000 contributed positively to equity growth.
- Dividend payments of 1,475,000 reduced retained earnings.
- Share repurchases of 1,068,000 reduced equity.
- Other comprehensive income decreased equity by 1,169,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $8.34 Million | +8.08% |
| Dividends Paid | $1.48 Million | -1.43% |
| Share Repurchases | $1.07 Million | -1.04% |
| Other Comprehensive Income | $-1.17 Million | -1.13% |
| Other Changes | $151.00K | +0.15% |
| Total Change | $- | 4.85% |
Book Value vs Market Value Analysis
This analysis compares Two Rivers Financial Group Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.74x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.48x to 0.74x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $24.45 | $36.24 | x |
| 2014-12-31 | $27.78 | $36.24 | x |
| 2015-12-31 | $28.53 | $36.24 | x |
| 2016-12-31 | $29.05 | $36.24 | x |
| 2017-12-31 | $30.68 | $36.24 | x |
| 2018-12-31 | $33.07 | $36.24 | x |
| 2019-12-31 | $37.52 | $36.24 | x |
| 2020-12-31 | $44.52 | $36.24 | x |
| 2021-12-31 | $46.20 | $36.24 | x |
| 2022-12-31 | $44.41 | $36.24 | x |
| 2023-12-31 | $46.78 | $36.24 | x |
| 2024-12-31 | $49.00 | $36.24 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Two Rivers Financial Group Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.08%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 12.93%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 11.31x
- Recent ROE (8.08%) is below the historical average (9.70%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 10.59% | 14.47% | 0.06x | 11.82x | $337.50K |
| 2014 | 14.33% | 20.79% | 0.07x | 10.54x | $2.77 Million |
| 2015 | 7.64% | 11.98% | 0.06x | 10.74x | $-1.58 Million |
| 2016 | 7.42% | 11.72% | 0.06x | 11.42x | $-1.76 Million |
| 2017 | 7.09% | 11.08% | 0.05x | 11.68x | $-2.09 Million |
| 2018 | 10.16% | 15.20% | 0.06x | 10.80x | $122.60K |
| 2019 | 6.51% | 10.46% | 0.06x | 10.42x | $-2.89 Million |
| 2020 | 19.85% | 36.05% | 0.06x | 9.81x | $10.14 Million |
| 2021 | 8.60% | 21.43% | 0.04x | 9.30x | $-1.49 Million |
| 2022 | 8.88% | 20.69% | 0.03x | 13.36x | $-1.05 Million |
| 2023 | 7.20% | 11.76% | 0.05x | 12.18x | $-2.75 Million |
| 2024 | 8.08% | 12.93% | 0.06x | 11.31x | $-1.98 Million |
Industry Comparison
This section compares Two Rivers Financial Group Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Two Rivers Financial Group Inc (TRVR) | $110.22 Million | 10.59% | 9.78x | $54.12 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |