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White River Bancshares Co (WRIV) Ratios
46 Followers
White River Bancshares Co Ratios
WRIV's free cash flow for Q4 2025 was $368.56K. For the 2025 fiscal year, WRIV's free cash flow was decreased by $-739.17K and operating cash flow was $1.11M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.04 | 0.05 | 0.04 | 0.02 | 0.07 |
| Quick Ratio | 0.04 | 0.05 | 0.04 | 0.02 | 0.07 |
| Cash Ratio | 0.04 | 0.04 | 0.03 | 0.01 | 0.06 |
| Solvency Ratio | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.02 | 0.01 | 0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.40 | 0.27 | 0.66 | 0.00 |
| Net Current Asset Value | $ -1.36B | $ -1.17B | $ -1.03B | $ -890.33M | $ -723.43M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.07 | 0.08 | 0.09 | 0.03 |
| Debt-to-Equity Ratio | 0.70 | 0.94 | 1.10 | 1.17 | 0.29 |
| Debt-to-Capital Ratio | 0.41 | 0.48 | 0.52 | 0.54 | 0.22 |
| Long-Term Debt-to-Capital Ratio | 0.34 | 0.30 | 0.40 | 0.42 | 0.22 |
| Financial Leverage Ratio | 13.49 | 13.37 | 14.24 | 12.69 | 10.63 |
| Debt Service Coverage Ratio | 0.41 | 0.11 | 0.09 | 0.29 | 1.78 |
| Interest Coverage Ratio | 0.47 | 0.28 | 0.14 | 1.40 | 2.11 |
| Debt to Market Cap | 0.48 | 0.89 | 2.38 | 2.01 | 0.58 |
| Interest Debt Per Share | 24.02 | 53.98 | 110.38 | 96.94 | 28.27 |
| Net Debt to EBITDA | 1.62 | 7.43 | 15.54 | 9.08 | -2.19 |
| Profitability Margins | |||||
| Gross Profit Margin | 57.74% | 55.44% | 59.76% | 85.95% | 88.57% |
| EBIT Margin | 18.73% | 11.96% | 5.41% | 17.18% | 24.17% |
| EBITDA Margin | 20.57% | 11.96% | 7.74% | 19.80% | 26.58% |
| Operating Profit Margin | 18.73% | 11.96% | 5.41% | 17.18% | 24.17% |
| Pretax Profit Margin | 18.73% | 11.96% | 5.41% | 17.18% | 24.17% |
| Net Profit Margin | 14.45% | 8.99% | 4.38% | 12.82% | 17.92% |
| Continuous Operations Profit Margin | 14.45% | 8.99% | 4.38% | 12.82% | 17.92% |
| Net Income Per EBT | 77.14% | 75.22% | 80.91% | 74.61% | 74.12% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.91% | 0.54% | 0.22% | 0.57% | 0.83% |
| Return on Equity (ROE) | 12.25% | 7.18% | 3.20% | 7.25% | 8.80% |
| Return on Capital Employed (ROCE) | 8.99% | 1.39% | 0.58% | 4.92% | 7.57% |
| Return on Invested Capital (ROIC) | 6.94% | 1.00% | 0.45% | 3.28% | 5.61% |
| Return on Tangible Assets | 0.91% | 0.54% | 0.23% | 0.57% | 0.83% |
| Earnings Yield | 11.44% | 8.66% | 8.35% | 15.00% | 17.85% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.11 | 12.77 | 12.42 | 14.08 | 16.05 |
| Payables Turnover | 13.68 | 12.10 | 9.58 | 6.74 | 25.58 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.60 | 2.12 | 1.98 | 1.53 | 1.46 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 |
| Working Capital Turnover Ratio | -0.10 | -0.13 | -0.08 | -0.06 | -0.06 |
| Cash Conversion Cycle | -2.54 | -1.59 | -8.74 | -28.21 | 8.47 |
| Days of Sales Outstanding | 24.15 | 28.58 | 29.38 | 25.93 | 22.74 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 26.69 | 30.16 | 38.12 | 54.14 | 14.27 |
| Operating Cycle | 24.15 | 28.58 | 29.38 | 25.93 | 22.74 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.95 | 5.02 | 5.42 | 12.07 | 17.83 |
| Free Cash Flow Per Share | 3.53 | 3.15 | 2.61 | 5.48 | 16.28 |
| Dividend Paid and CapEx Coverage Ratio | 5.84 | 2.09 | 1.42 | 1.59 | 8.72 |
| Capital Expenditure Coverage Ratio | 9.28 | 2.68 | 1.93 | 1.83 | 11.52 |
| Operating Cash Flow Coverage Ratio | 0.24 | 0.13 | 0.06 | 0.13 | 0.75 |
| Operating Cash Flow to Sales Ratio | 0.20 | 0.15 | 0.09 | 0.27 | 0.44 |
| Free Cash Flow Yield | 14.24% | 9.00% | 8.51% | 14.49% | 40.20% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.75 | 11.54 | 11.97 | 6.67 | 5.60 |
| Price-to-Sales (P/S) Ratio | 1.26 | 1.04 | 0.52 | 0.85 | 1.00 |
| Price-to-Book (P/B) Ratio | 1.07 | 0.83 | 0.38 | 0.48 | 0.49 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 7.02 | 11.11 | 11.75 | 6.90 | 2.49 |
| Price-to-Operating Cash Flow Ratio | 6.26 | 6.97 | 5.66 | 3.13 | 2.27 |
| Price-to-Earnings Growth (PEG) Ratio | 0.10 | 0.08 | -0.15 | 0.12 | -0.69 |
| Enterprise Value Multiple | 7.76 | 16.12 | 22.31 | 13.40 | 1.59 |
| Enterprise Value | 152.72M | 148.60M | 100.45M | 116.22M | 16.63M |
| EV to EBITDA | 7.76 | 16.12 | 22.31 | 13.40 | 1.59 |
| EV to Sales | 1.60 | 1.93 | 1.73 | 2.65 | 0.42 |
| EV to Free Cash Flow | 8.87 | 20.61 | 38.73 | 21.43 | 1.05 |
| EV to Operating Cash Flow | 7.92 | 12.92 | 18.65 | 9.72 | 0.96 |
| Tangible Book Value Per Share | 22.80 | 41.39 | 77.99 | 78.22 | 82.20 |
| Shareholders’ Equity Per Share | 23.13 | 42.18 | 80.02 | 78.22 | 82.20 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.25 | 0.19 | 0.25 | 0.26 |
| Revenue Per Share | 19.60 | 33.66 | 58.51 | 44.22 | 40.36 |
| Net Income Per Share | 2.83 | 3.03 | 2.56 | 5.67 | 7.23 |
| Tax Burden | 0.77 | 0.75 | 0.81 | 0.75 | 0.74 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.25 | 0.28 | 0.32 | 0.44 | 0.42 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.03 | 0.01 |
| Income Quality | 1.39 | 1.66 | 2.12 | 2.13 | 2.47 |
Currency in USD
