Two Rivers Financial Group, Inc. (TRVR) Stock Analysis
DELISTED 2026
What happened to Two Rivers Financial Group, Inc. (TRVR) stock?
Two Rivers Financial Group, Inc. (TRVR) no longer trades on public markets. It was delisted in February 2026. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Two Rivers Financial Group, Inc. (TRVR) trades at $50.21. Two Rivers Financial Group, Inc. is a community bank providing a range of financial products and services to individuals and businesses. Market cap: $106M, Sector: Financial services.
Last analyzed: Mar 16, 2026Analyst Coverage for TRVR: TRVR does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TRVR against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Two Rivers Financial Group, Inc. (TRVR) Financial Services Profile
Two Rivers Financial Group, Inc., established in 1904, operates as a regional bank offering traditional banking services, including loans, deposits, and wealth management. With a market capitalization of $106M and a P/E ratio of 10.09, the company serves individuals and businesses primarily in Burlington, Iowa, and surrounding areas.
What Is the Investment Thesis for TRVR?
Two Rivers Financial Group presents a stable, community-focused investment profile within the regional banking sector. The company's consistent profitability, indicated by a 15.4% profit margin and a dividend yield of 1.39%, suggests financial stability. Growth catalysts include expansion of digital banking services and strategic wealth management initiatives, targeting increased market share in its operational area. However, potential risks include competition from larger regional and national banks, as well as sensitivity to interest rate fluctuations and economic conditions in the Iowa region. The company's low beta of 0.08 indicates lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
TRVR Key Highlights
Market capitalization of $106M indicates its size within the regional banking sector.
- P/E ratio of 10.09 suggests a potentially reasonable valuation compared to earnings.
- Profit margin of 15.4% reflects efficient operations and profitability.
- Gross margin of 66.8% indicates strong core earnings from its banking products and services.
- Dividend yield of 1.39% provides a modest income stream for investors.
Who Are TRVR's Competitors?
TRVR is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BEOB BEO Bancorp | $68.50 | +9.58% | $167M | 50 |
| BKSC Bank of South Carolina Corporation | $18.84 | -0.42% | $101M | 60 |
| FCOB 1st Colonial Bancorp, Inc. | $20.00 | +0.00% | $96.6M | 48 |
| FSRL First Reliance Bancshares, Inc. | $19.44 | -1.57% | $153M | 60 |
| FTFI First Berlin Bancorp, Inc. | $38.75 | +0.00% | $101M | 63 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TRVR's Key Strengths?
Long-standing presence in the Burlington, Iowa market.
- Diversified range of banking and wealth management services.
- Strong relationships with local businesses and customers.
- Consistent profitability and stable financial performance.
What Are TRVR's Weaknesses?
Limited geographic footprint compared to larger regional banks.
- Dependence on the local economy of Burlington, Iowa.
- Potential vulnerability to competition from larger banks and fintech companies.
- Lower brand awareness outside of its primary market area.
What Could Drive TRVR Stock Higher?
Expansion of digital banking services to attract new customers and improve operational efficiency.
- Growth of wealth management business through personalized financial planning and advisory services.
- Potential strategic acquisitions of smaller banks in adjacent markets to expand geographic footprint.
- Increased marketing and community engagement to enhance brand awareness and customer loyalty.
- Focus on improving asset quality and managing credit risk in the loan portfolio.
What Are the Key Risks for TRVR?
Financial-distress signal — its Altman Z-Score of -0.81 sits in the distress zone (elevated bankruptcy risk).
- Increasing competition from larger regional and national banks.
- Economic downturn in the Iowa region impacting loan demand and asset quality.
- Rising interest rates and regulatory compliance costs affecting profitability.
- Cybersecurity threats and data breaches compromising customer information.
- Fluctuations in interest rates impacting net interest margin.
What Are the Growth Opportunities for TRVR?
- Expansion of Digital Banking Services: Two Rivers Financial Group can capitalize on the growing demand for digital banking solutions. By investing in user-friendly mobile and online platforms, the company can attract and retain customers, expand its reach beyond its physical branch network, and improve operational efficiency. The digital banking market is projected to reach $9 trillion in transaction value by 2028, offering a substantial growth opportunity.
- Strategic Wealth Management Initiatives: The company can focus on expanding its wealth management services, including trust, retirement, and investment management. By offering personalized financial planning and advisory services, Two Rivers Financial Group can attract high-net-worth individuals and families, generating recurring revenue and increasing its assets under management. The wealth management industry is expected to grow at a rate of 7% annually, presenting a significant growth opportunity.
- Targeted Marketing to Local Businesses: Two Rivers Financial Group can strengthen its relationships with local businesses by offering tailored financial solutions, including business loans, remote deposit capture, and merchant services. By understanding the unique needs of local businesses, the company can become a trusted financial partner, increasing its market share and driving revenue growth. The small business lending market is estimated at $800 billion annually.
- Community Engagement and Brand Building: The company can enhance its brand reputation and customer loyalty by actively engaging in community events, supporting local initiatives, and promoting financial literacy. By demonstrating a commitment to the community, Two Rivers Financial Group can differentiate itself from larger competitors and attract socially conscious customers. Positive brand perception can lead to increased customer acquisition and retention.
- Strategic Acquisitions of Smaller Banks: Two Rivers Financial Group can explore strategic acquisitions of smaller community banks in adjacent markets to expand its geographic footprint and customer base. By acquiring banks with complementary strengths and similar cultures, the company can achieve economies of scale, diversify its revenue streams, and enhance its competitive position. The regional banking sector is experiencing consolidation, creating opportunities for strategic acquisitions.
What Are TRVR's Competitive Advantages?
- Established local presence and brand recognition in Burlington, Iowa.
- Strong relationships with local businesses and community members.
- Personalized customer service and local market expertise.
- Access to a stable deposit base in its operational area.
What Does TRVR Do?
Two Rivers Financial Group, Inc. traces its roots back to 1904, evolving from its original form to become a comprehensive financial services provider. Headquartered in Burlington, Iowa, the company operates through its subsidiaries, delivering a suite of banking products and services tailored to individuals and businesses. These offerings encompass checking and savings accounts, personal loans, home equity loans, mortgages, and construction loans. Additionally, Two Rivers Financial Group extends its services to business and agricultural clients, providing specialized loans and business solutions like remote deposit capture, bill payment, and credit and debit card services. The company also offers wealth management services, including trust administration, retirement planning, investment management, estate planning, and brokerage services. Digital banking services and overdraft protection are also part of their offerings. Formerly known as Great River Financial Group Inc., the company rebranded as Two Rivers Financial Group, Inc. in 2007. With 181 employees, Two Rivers Financial Group maintains a community-focused approach, emphasizing personalized service and local market expertise.
What Products and Services Does TRVR Offer?
- Offers checking and savings accounts to individuals and businesses.
- Provides personal, home equity, home mortgage, and construction loans.
- Extends business and agricultural loans to support local enterprises.
- Offers remote deposit capture, bill payment, and credit/debit card services.
- Provides wealth management services, including trust and retirement planning.
- Offers investment management, estate planning, and brokerage services.
- Delivers digital banking services for convenient online and mobile access.
- Provides overdraft services for account holders.
How Does TRVR Make Money?
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Collects fees from wealth management and trust services.
- Profits from the spread between interest earned on assets and interest paid on liabilities.
What Industry Does TRVR Operate In?
Two Rivers Financial Group operates within the competitive regional banking industry. This sector is characterized by established players and increasing competition from online banking platforms and fintech companies. Regional banks like Two Rivers Financial Group differentiate themselves through personalized service and local market knowledge. The industry is influenced by interest rate trends, regulatory changes, and economic conditions. The U.S. banking sector is projected to experience moderate growth, driven by increasing demand for loans and financial services, but faces challenges from rising compliance costs and cybersecurity threats.
Who Are TRVR's Key Customers?
- Individuals seeking personal banking services.
- Small to medium-sized businesses requiring loans and financial solutions.
- Agricultural businesses needing specialized financing.
- High-net-worth individuals and families seeking wealth management services.
Company Profile
Two Rivers Financial Group, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Burlington, US. The company is led by CEO Frank J. Delaney. TRVR has traded publicly since 2007.
Two Rivers Financial Group, Inc. (TRVR) Valuation Context
Valued at $106M, TRVR is classified as a micro-cap stock.
Key Financial Metrics
Return on equity for Two Rivers Financial Group, Inc. stands at 9.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. TRVR trades at a trailing price-to-earnings ratio of 10.09, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.07 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.9%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Two Rivers Financial Group, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.81 places it in the distress zone, a signal of elevated financial risk.
TRVR Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing presence in the Burlington, Iowa market.
- Diversified range of banking and wealth management services.
- Strong relationships with local businesses and customers.
- Consistent profitability and stable financial performance.
Bear Case
- Limited geographic footprint compared to larger regional banks.
- Dependence on the local economy of Burlington, Iowa.
- Potential vulnerability to competition from larger banks and fintech companies.
- Lower brand awareness outside of its primary market area.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
TRVR Latest News
No recent news available for TRVR.
Leadership: Frank J. Delaney
CEO
Frank J. Delaney serves as the CEO of Two Rivers Financial Group, Inc. His background includes extensive experience in the financial services industry, with a focus on community banking and wealth management. Delaney has held various leadership positions throughout his career, demonstrating expertise in strategic planning, risk management, and customer relationship management. He is actively involved in community development initiatives and serves on several local boards. His leadership is focused on sustainable growth and community engagement.
Track Record: Under Frank J. Delaney's leadership, Two Rivers Financial Group has maintained consistent profitability and strengthened its position in the Burlington, Iowa market. He has overseen the expansion of digital banking services and the growth of the wealth management business. Delaney has also focused on enhancing customer service and building strong relationships with local businesses. The company has successfully navigated economic challenges and maintained a stable financial performance.
TRVR OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Two Rivers Financial Group may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same level of regulatory oversight as exchange-listed companies. Investing in OTC Other stocks carries higher risks due to the potential for limited information, lower liquidity, and greater price volatility. This tier is often populated by shell companies, defunct businesses, or companies with questionable operations.
- OTC Tier: OTC Other
- Limited financial disclosure and regulatory oversight.
- Lower liquidity and wider bid-ask spreads.
- Increased price volatility and potential for manipulation.
- Higher risk of fraud or questionable business practices.
- Potential for delisting or trading suspension.
- Verify the company's financial statements and SEC filings (if any).
- Assess the company's business model and competitive landscape.
- Research the background and experience of the company's management team.
- Evaluate the company's capital structure and debt levels.
- Review the company's legal and regulatory compliance.
- Monitor trading volume and price activity for unusual patterns.
- Consult with a qualified financial advisor.
- Long-standing history and established presence in the Burlington, Iowa market.
- Positive reputation and strong relationships with local businesses and customers.
- Consistent profitability and stable financial performance.
- Membership in industry associations or community organizations.
- Independent audits and financial reviews (if available).
TRVR Financial Services Stock FAQ
What happened to Two Rivers Financial Group, Inc. (TRVR) stock?
Two Rivers Financial Group, Inc. (TRVR) no longer trades on public markets. It was delisted in February 2026. The figures below are historical and are not a current quote.
Can I still buy TRVR shares?
No. TRVR stopped trading on public markets in February 2026, so the shares are not available through a broker. Anything you see quoted for TRVR elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before TRVR stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Two Rivers Financial Group, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Two Rivers Financial Group, Inc. do?
Two Rivers Financial Group, Inc. operates as a community-focused financial institution, offering a comprehensive suite of banking and wealth management services. The company provides traditional banking products, including checking and savings accounts, loans, and business services, to individuals and businesses. Additionally, Two Rivers Financial Group offers wealth management services, such as trust administration, retirement planning, and investment management.
What are the main risks for TRVR?
Two Rivers Financial Group faces several risks inherent to the regional banking industry. These include increasing competition from larger banks and fintech companies, potential economic downturns in its operational area, rising interest rates and regulatory compliance costs, and cybersecurity threats.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- AI analysis pending for TRVR, which may provide further insights.