Two Rivers Financial Stock Net Income
| TRVR Stock | USD 51.25 3.29 6.03% |
As of the 12th of February 2026, Two Rivers has the Risk Adjusted Performance of 0.1513, semi deviation of 1.18, and Coefficient Of Variation of 543.27. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Two Rivers Financial, as well as the relationship between them. Please validate Two Rivers Financial variance and potential upside to decide if Two Rivers is priced more or less accurately, providing market reflects its prevalent price of 51.25 per share. Given that Two Rivers Financial has jensen alpha of 0.3033, we advise you to double-check Two Rivers Financial's current market performance to make sure the company can sustain itself at a future point.
Two Rivers' financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Two Rivers' valuation are provided below:Two Rivers Financial does not presently have any fundamental trend indicators for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Two |
Two Rivers 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Two Rivers' pink sheet what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Two Rivers.
| 11/14/2025 |
| 02/12/2026 |
If you would invest 0.00 in Two Rivers on November 14, 2025 and sell it all today you would earn a total of 0.00 from holding Two Rivers Financial or generate 0.0% return on investment in Two Rivers over 90 days. Two Rivers is related to or competes with Community Capital, MF Bancorp, Oak View, and Citizens Holding. Two Rivers Financial Group, Inc., through its subsidiaries, offers various banking products and services More
Two Rivers Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Two Rivers' pink sheet current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Two Rivers Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 2.62 | |||
| Information Ratio | 0.1244 | |||
| Maximum Drawdown | 6.17 | |||
| Value At Risk | (1.57) | |||
| Potential Upside | 3.3 |
Two Rivers Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Two Rivers' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Two Rivers' standard deviation. In reality, there are many statistical measures that can use Two Rivers historical prices to predict the future Two Rivers' volatility.| Risk Adjusted Performance | 0.1513 | |||
| Jensen Alpha | 0.3033 | |||
| Total Risk Alpha | 0.1048 | |||
| Sortino Ratio | 0.0823 | |||
| Treynor Ratio | 5.03 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Two Rivers' price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Two Rivers February 12, 2026 Technical Indicators
| Cycle Indicators | ||
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| Math Transform | ||
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| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
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| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1513 | |||
| Market Risk Adjusted Performance | 5.04 | |||
| Mean Deviation | 1.09 | |||
| Semi Deviation | 1.18 | |||
| Downside Deviation | 2.62 | |||
| Coefficient Of Variation | 543.27 | |||
| Standard Deviation | 1.73 | |||
| Variance | 3.0 | |||
| Information Ratio | 0.1244 | |||
| Jensen Alpha | 0.3033 | |||
| Total Risk Alpha | 0.1048 | |||
| Sortino Ratio | 0.0823 | |||
| Treynor Ratio | 5.03 | |||
| Maximum Drawdown | 6.17 | |||
| Value At Risk | (1.57) | |||
| Potential Upside | 3.3 | |||
| Downside Variance | 6.87 | |||
| Semi Variance | 1.39 | |||
| Expected Short fall | (1.81) | |||
| Skewness | (0.19) | |||
| Kurtosis | 4.07 |
Two Rivers Financial Backtested Returns
Two Rivers appears to be very steady, given 3 months investment horizon. Two Rivers Financial owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.19, which indicates the firm had a 0.19 % return per unit of risk over the last 3 months. We have found twenty-six technical indicators for Two Rivers Financial, which you can use to evaluate the volatility of the company. Please review Two Rivers' Coefficient Of Variation of 543.27, risk adjusted performance of 0.1513, and Semi Deviation of 1.18 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Two Rivers holds a performance score of 15. The entity has a beta of 0.0614, which indicates not very significant fluctuations relative to the market. As returns on the market increase, Two Rivers' returns are expected to increase less than the market. However, during the bear market, the loss of holding Two Rivers is expected to be smaller as well. Please check Two Rivers' jensen alpha, potential upside, as well as the relationship between the Potential Upside and rate of daily change , to make a quick decision on whether Two Rivers' existing price patterns will revert.
Auto-correlation | 0.73 |
Good predictability
Two Rivers Financial has good predictability. Overlapping area represents the amount of predictability between Two Rivers time series from 14th of November 2025 to 29th of December 2025 and 29th of December 2025 to 12th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Two Rivers Financial price movement. The serial correlation of 0.73 indicates that around 73.0% of current Two Rivers price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.73 | |
| Spearman Rank Test | 0.72 | |
| Residual Average | 0.0 | |
| Price Variance | 5.41 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, Two Rivers Financial reported net income of 9.19 M. This is 99.28% lower than that of the Financial Services sector and significantly higher than that of the Banks—Regional industry. The net income for all United States stocks is 98.39% higher than that of the company.
Two Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Two Rivers' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the pink sheets which would be a good addition to a portfolio. Peer analysis of Two Rivers could also be used in its relative valuation, which is a method of valuing Two Rivers by comparing valuation metrics of similar companies.Two Rivers is currently under evaluation in net income category among its peers.
Two Fundamentals
| Return On Equity | 0.0876 | |||
| Return On Asset | 0.0092 | |||
| Profit Margin | 0.23 % | |||
| Operating Margin | 0.28 % | |||
| Current Valuation | 92.62 M | |||
| Shares Outstanding | 2.23 M | |||
| Shares Owned By Institutions | 3.02 % | |||
| Price To Earning | 4.56 X | |||
| Price To Sales | 2.36 X | |||
| Revenue | 40.34 M | |||
| Gross Profit | 40.3 M | |||
| Net Income | 9.19 M | |||
| Total Debt | 10.31 M | |||
| Book Value Per Share | 49.29 X | |||
| Cash Flow From Operations | 8.38 M | |||
| Earnings Per Share | 3.47 X | |||
| Number Of Employees | 23 | |||
| Beta | 0.33 | |||
| Market Capitalization | 93.81 M | |||
| Total Asset | 994.75 M | |||
| Z Score | 5.4 | |||
| Annual Yield | 0.02 % | |||
| Five Year Return | 1.97 % | |||
| Net Asset | 994.75 M | |||
| Last Dividend Paid | 0.68 |
About Two Rivers Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Two Rivers Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Two Rivers using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Two Rivers Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Two Rivers
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Two Rivers position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Two Rivers will appreciate offsetting losses from the drop in the long position's value.Moving together with Two Pink Sheet
Moving against Two Pink Sheet
| 0.56 | HDB | HDFC Bank Limited | PairCorr |
| 0.56 | CIHKY | China Merchants Bank Normal Trading | PairCorr |
| 0.48 | MMSI | Merit Medical Systems | PairCorr |
The ability to find closely correlated positions to Two Rivers could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Two Rivers when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Two Rivers - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Two Rivers Financial to buy it.
The correlation of Two Rivers is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Two Rivers moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Two Rivers Financial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Two Rivers can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Additional Tools for Two Pink Sheet Analysis
When running Two Rivers' price analysis, check to measure Two Rivers' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Two Rivers is operating at the current time. Most of Two Rivers' value examination focuses on studying past and present price action to predict the probability of Two Rivers' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Two Rivers' price. Additionally, you may evaluate how the addition of Two Rivers to your portfolios can decrease your overall portfolio volatility.