JRVR
NEUTRAL
$6.2
Live
James River Group Holdings, Inc. · NASDAQ
Target $7.67
(+23.7%)
$4.09
52W Range
$7.2
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$285.01M
P/E
7.47
ROE
7.9%
Profit margin
6.9%
Debt/Equity
0.5
Dividend yield
0.65%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
JRVR presents a classic 'value trap' profile, characterized by a very weak Piotroski F-Score of 2/9 indicating deteriorating fundamental health. While the stock is significantly undervalued on a Price-to-Book (0.53) and Graham Number ($14.79) basis, this discount is justified by extreme earnings volatility and a history of massive quarterly misses. Strong top-line revenue growth of 32.4% is offset by an unstable bottom line and poor operational health scores. The current price of $6.20 sits near the growth-based intrinsic value, suggesting limited upside until financial stability is proven.
Key Strengths
Deeply undervalued Price-to-Book ratio of 0.53
Strong year-over-year revenue growth of 32.40%
Low Forward P/E of 5.00 suggesting cheap earnings relative to expectations
Low payout ratio (4.82%) providing ample room for dividend growth
Current ratio of 1.86 indicates adequate short-term liquidity
Key Risks
Critical Piotroski F-Score (2/9) signaling poor financial health
Extreme earnings volatility with frequent and massive EPS misses
Severe long-term price erosion (5-year change of -86.2%)
Significant gap between Current Ratio (1.86) and Quick Ratio (0.28), indicating low liquid asset availability
Bearish technical trend (0/100) despite recent 1-year recovery
AI Fair Value Estimate
Based on comprehensive analysis
$6.8
+9.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
46
Moderate
88
55
30
20
35
AI Verdict
Speculative Value Trap
Key drivers: Extreme valuation discount, Poor fundamental health (Piotroski), Erratic earnings track record
Confidence
90%
Value
88/100
Trades at a massive discount to book value and Graham's defensive fair value.
Positives
- P/B of 0.53
- Graham Number of $14.79
- P/E of 7.47
Watchpoints
- Market skepticism reflected in low P/B
Future
55/100
Strong top-line growth is not translating into stable bottom-line results.
Positives
- 32.4% Revenue growth
- Positive analyst target price ($7.67)
Watchpoints
- Unpredictable earnings trajectory
- Low confidence in EPS estimates
Past
30/100
Long-term destruction of shareholder value and inconsistent performance.
Positives
- Recent 1-year recovery of +49.7%
Watchpoints
- 5-year return of -86.2%
- History of catastrophic earnings surprises (e.g., -2010.7%)
Health
20/100
Deterministic health scores indicate a weak financial foundation.
Positives
- Manageable Debt/Equity of 0.50
Watchpoints
- Piotroski F-Score of 2/9
- Very low Quick Ratio (0.28)
Dividend
35/100
Dividend is safe but provides no meaningful income incentive.
Positives
- Very low payout ratio (4.82%)
Watchpoints
- Negligible yield (0.65%)
- Low dividend strength score (25/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$6.2
Analyst Target
$7.67
Upside/Downside
+23.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for JRVR and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
JRVR
James River Group Holdings, Inc.
Primary
|
-86.2% | -67.5% | +49.7% | +19.6% | -3.1% | +1.3% |
|
FVCB
FVCBankcorp, Inc.
Peer
|
+20.3% | +53.5% | +49.8% | +26.2% | +3.9% | +2.6% |
|
ACV
Virtus Diversified Income & Convertible Fund
Peer
|
+58.2% | +76.3% | +36.2% | +30.3% | +7.0% | +2.3% |
|
HCAC
Hall Chadwick Acquisition Corp.
Peer
|
0.0% | 0.0% | 0.0% | 0.0% | -0.4% | -0.1% |
|
GPAC
General Purpose Acquisition Corp.
Peer
|
+0.3% | +0.3% | +0.3% | +0.3% | +0.2% | 0.0% |
JRV
James River Group Holdings, Inc.
Primary
5Y
-86.2%
3Y
-67.5%
1Y
+49.7%
6M
+19.6%
1M
-3.1%
1W
+1.3%
FVC
FVCBankcorp, Inc.
Peer
5Y
+20.3%
3Y
+53.5%
1Y
+49.8%
6M
+26.2%
1M
+3.9%
1W
+2.6%
ACV
Virtus Diversified Income & Convertible Fund
Peer
5Y
+58.2%
3Y
+76.3%
1Y
+36.2%
6M
+30.3%
1M
+7.0%
1W
+2.3%
HCA
Hall Chadwick Acquisition Corp.
Peer
5Y
0.0%
3Y
0.0%
1Y
0.0%
6M
0.0%
1M
-0.4%
1W
-0.1%
GPA
General Purpose Acquisition Corp.
Peer
5Y
+0.3%
3Y
+0.3%
1Y
+0.3%
6M
+0.3%
1M
+0.2%
1W
0.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
7.47
Forward P/E
5.0
PEG Ratio
N/A
P/B Ratio
0.53
P/S Ratio
0.41
EV/Revenue
0.72
EV/EBITDA
6.64
Market Cap
$285.01M
Profitability
Profit margins and return metrics
Profit Margin
6.9%
Operating Margin
18.2%
Gross Margin
37.87%
ROE
7.88%
ROA
0.94%
Growth
Revenue and earnings growth rates
Revenue Growth
+32.4%
Earnings Growth
N/A
Q/Q Revenue Growth
+32.38%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.5
Moderate
Current Ratio
1.86
Good
Quick Ratio
0.28
Poor
Cash/Share
$5.68
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.2B
Net Margin
19.1%
Total Assets
$4.9B
Liabilities
$4.2B
Equity
$0.7B
Debt/Equity
6.24x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
109%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-04
$N/A
2026-03-02
$0.3
-29.3% surprise
2025-11-03
$0.32
+32.4% surprise
2025-08-04
$0.23
-4.0% surprise
Financial Services Sector Comparison
Comparing JRVR against 362 companies in the Financial Services sector
(63 bullish, 158 neutral, 141 bearish)
P/E Ratio
7.47
This Stock
vs
52.08
Sector Avg
-85.7%
(Discount)
Return on Equity (ROE)
7.88%
This Stock
vs
-0.05%
Sector Avg
-15165.2%
(Below Avg)
Profit Margin
6.9%
This Stock
vs
66.07%
Sector Avg
-89.6%
(Weaker)
Debt to Equity
0.5
This Stock
vs
1.34
Sector Avg
-62.6%
(Less Debt)
Revenue Growth
32.4%
This Stock
vs
43.38%
Sector Avg
-25.3%
(Slower)
Current Ratio
1.86
This Stock
vs
3.16
Sector Avg
-41.2%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
JRVR
James River Group Holdings, Inc.
|
NEUTRAL | $285.01M | 7.47 | 7.9% | 6.9% | $6.2 | |
|
FVCB
FVCBankcorp, Inc.
|
BULLISH | $280.43M | 12.89 | 9.0% | 33.5% | $15.6 | Compare |
|
ACV
Virtus Diversified Income...
|
BEARISH | $289.92M | 6.7 | -% | -% | $27.94 | Compare |
|
HCAC
Hall Chadwick Acquisition Corp.
|
NEUTRAL | $290.22M | - | -% | -% | $9.94 | Compare |
|
GPAC
General Purpose Acquisition Corp.
|
NEUTRAL | $291.75M | - | -% | -% | $9.92 | Compare |
JRVR
James River...
NEUTRAL
Mkt Cap
$285M
P/E
7.5
ROE
7.9%
Price
$6.2
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-04 | MIGLIORATO PETER B | Director | Stock Award | 14,409 | - |
| 2026-03-04 | HOFFMANN MICHAEL J | Officer | Stock Award | 32,799 | - |
| 2026-03-04 | MILLER JEANETTE L | Officer | Stock Award | 26,714 | - |
| 2026-03-04 | LANGWELL DENNIS J | Director | Stock Award | 14,409 | - |
| 2026-03-04 | MCCOY JAMES PAUL | Officer | Stock Award | 18,912 | - |
| 2026-03-04 | LASALA CHRISTINE | Director | Stock Award | 21,613 | - |
| 2026-03-04 | SUTHERLAND TODD RANDELL | Officer | Stock Award | 28,818 | - |
| 2026-03-04 | GOULD KIRSTIN M. | Director | Stock Award | 14,409 | - |
| 2026-03-04 | CROW MICHAEL E | Officer | Stock Award | 41,686 | - |
| 2026-03-04 | D ORAZIO FRANK N | Chief Executive Officer | Stock Award | 143,461 | - |
| 2026-03-04 | BROWN THOMAS LYNN | Director | Stock Award | 14,409 | - |
| 2026-03-04 | CAVANESS JOEL D | Director | Stock Award | 14,409 | - |
| 2026-03-04 | DORAN SARAH C. | Chief Financial Officer | Stock Award | 42,446 | - |
| 2026-03-02 | HOFFMANN MICHAEL J | Officer | Stock Award | 6,247 | - |
| 2026-03-02 | MILLER JEANETTE L | Officer | Stock Award | 3,122 | - |
MIGLIORATO PETER B
Director
2026-03-04
14,409 shares
HOFFMANN MICHAEL J
Officer
2026-03-04
32,799 shares
MILLER JEANETTE L
Officer
2026-03-04
26,714 shares
LANGWELL DENNIS J
Director
2026-03-04
14,409 shares
MCCOY JAMES PAUL
Officer
2026-03-04
18,912 shares
LASALA CHRISTINE
Director
2026-03-04
21,613 shares
SUTHERLAND TODD RANDELL
Officer
2026-03-04
28,818 shares
GOULD KIRSTIN M.
Director
2026-03-04
14,409 shares
CROW MICHAEL E
Officer
2026-03-04
41,686 shares
D ORAZIO FRANK N
Chief Executive Officer
2026-03-04
143,461 shares
BROWN THOMAS LYNN
Director
2026-03-04
14,409 shares
CAVANESS JOEL D
Director
2026-03-04
14,409 shares
DORAN SARAH C.
Chief Financial Officer
2026-03-04
42,446 shares
HOFFMANN MICHAEL J
Officer
2026-03-02
6,247 shares
MILLER JEANETTE L
Officer
2026-03-02
3,122 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
3 analysts
Truist Securities
2026-03-04
Hold
Hold
Compass Point
2025-12-16
Buy
Neutral
Past News Coverage
Recent headlines mentioning JRVR from our newsroom.
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No matching news yet.