Confident Investing Starts With TipRanks Premium

Get 55% Off
TipRanks
Go Ultimate55% OFF

White River Bancshares Co (WRIV) Stock Price & Analysis

46 Followers

WRIV Stock Chart & Stats

$34.40$0.15(0.44%)
At close: 4:00 PM EST
$32$33$34Aug 25Sep 9Sep 21Oct 5Oct 20Nov 3
Day’s Range
$34.23 - $34.40
52-Week Range
$16.06 - $34.40
Previous Close
$34.25
Volume
N/A
Average Volume (3M)
2,715
Market Cap
$166.92M
Enterprise Value
$218.84M
Total Cash (Recent Filing)
$46.97M
Total Debt (Recent Filing)
$78.86M
Price to Earnings (P/E)
9.8
Beta
0.07
Next Earnings
Jan 21, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Jun 08, 2026
Dividend Yield
1.45%

Bulls Say, Bears Say

Bulls Say

Accelerating Revenue And Margin Expansion

Revenue has accelerated through 2025, while net margin expanded from about 9.0% to 14.5% and operating margin from 12.0% to 18.7% in 2024–2025. This combination indicates stronger earnings leverage and gives the bank more capacity to reinvest or absorb normal operating pressure.

Improved Operating And Free Cash Flow

The substantial recovery in operating and free cash flow strengthens internally generated funding for business needs and capital allocation. Free cash flow reached about 89% of net income in 2025, showing improved cash conversion and greater support for ongoing financial resilience.

Lower Leverage And Stronger Capital Productivity

Lower debt-to-equity improves balance-sheet resilience relative to the prior two years, while the rise in ROE indicates more productive use of shareholder capital. Together, these trends support stronger financial efficiency and provide a better foundation for sustaining future performance.

Bears Say

Historical Earnings And Margin Volatility

The earlier profit step-down and subsequent margin normalization show that earnings performance has not been consistently stable across operating conditions. This volatility makes future profitability less predictable and could moderate the durability of the recent margin improvement if conditions become less favorable.

Uneven Historical Cash Generation

Although cash generation rebounded strongly in 2024–2025, the prior negative result and uneven interim performance indicate that cash conversion can fluctuate materially over time. That history creates uncertainty around how consistently the company can fund operations and capital needs from internally generated cash.

Inconsistent Leverage Over The Full Period

The wide movement in leverage indicates that balance-sheet risk has varied considerably rather than following a consistently conservative path. Even with recent improvement, renewed operating weakness could make leverage less supportive and constrain financial flexibility compared with a steadier capital structure.

White River Bancshares Co News

WRIV FAQ

What was White River Bancshares Co’s price range in the past 12 months?
White River Bancshares Co lowest stock price was $16.06 and its highest was $34.40 in the past 12 months.
What is White River Bancshares Co’s market cap?
White River Bancshares Co’s market cap is $166.92M.
When is White River Bancshares Co’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were White River Bancshares Co’s earnings last quarter?
White River Bancshares Co released its earnings results on Oct 20, 2026. The company reported $1.038 earnings per share for the quarter.
Is White River Bancshares Co overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does White River Bancshares Co pay dividends?
White River Bancshares Co pays a Annually dividend of $0.25 which represents an annual dividend yield of 1.45%. See more information on White River Bancshares Co dividends here
What is White River Bancshares Co’s EPS estimate?
White River Bancshares Co’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does White River Bancshares Co have?
White River Bancshares Co has 4,873,508 shares outstanding.
What happened to White River Bancshares Co’s price movement after its last earnings report?
White River Bancshares Co reported an EPS of $1.038 in its last earnings report. Following the earnings report the stock price went up 2.602%.
Which hedge fund is a major shareholder of White River Bancshares Co?
Currently, no hedge funds are holding shares in WRIV
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology