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STOCKS

White River Bancshares Co. (WRIV)

OTHER OTC:WRIV

WRIV

White River Bancshares Co

RESEARCH TOOLSreports

White River Bancshares Co (WRIV) Ratios

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White River Bancshares Co Ratios

WRIV's free cash flow for Q2 2025 was $0.57. For the 2025 fiscal year, WRIV's free cash flow was decreased by $ and operating cash flow was $0.18. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.03	0.08	16.38	273.81	66.96
Quick Ratio	0.03	0.08	32.76	552.97	134.18
Cash Ratio	0.02	0.03	12.97	259.87	59.88
Solvency Ratio	<0.01	<0.01	<0.01	0.01	<0.01
Operating Cash Flow Ratio	0.01	<0.01	13.10	98.87	-0.06
Short-Term Operating Cash Flow Coverage	0.00	0.27	0.00	0.00	0.00
Net Current Asset Value	$ -1.30B	$ -1.01B	$ -890.33M	$ -723.66M	$ -650.12M
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.08	0.06	0.03	0.04
Debt-to-Equity Ratio	0.68	1.10	0.74	0.29	0.37
Debt-to-Capital Ratio	0.40	0.52	0.42	0.22	0.27
Long-Term Debt-to-Capital Ratio	0.32	0.40	0.42	0.22	0.27
Financial Leverage Ratio	13.99	14.24	12.69	10.63	10.11
Debt Service Coverage Ratio	0.42	0.10	1.25	1.78	0.61
Interest Coverage Ratio	0.51	0.14	1.40	2.11	0.67
Debt to Market Cap	0.42	1.19	1.52	0.58	0.93
Interest Debt Per Share	39.39	55.11	63.08	28.27	36.63
Net Debt to EBITDA	3.00	15.18	5.22	-2.16	0.82
Profitability Margins
Gross Profit Margin	42.95%	161.42%	100.00%	100.00%	100.00%
EBIT Margin	16.13%	8.73%	19.60%	27.29%	17.48%
EBITDA Margin	17.15%	12.79%	22.58%	30.01%	20.33%
Operating Profit Margin	16.13%	8.73%	19.60%	27.29%	17.48%
Pretax Profit Margin	16.13%	8.73%	19.60%	27.29%	17.48%
Net Profit Margin	12.28%	7.06%	14.62%	20.23%	12.92%
Continuous Operations Profit Margin	12.28%	7.06%	14.62%	20.23%	12.92%
Net Income Per EBT	76.10%	80.91%	74.61%	74.12%	73.93%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.73%	0.22%	0.57%	0.83%	0.51%
Return on Equity (ROE)	10.59%	3.20%	7.25%	8.80%	5.15%
Return on Capital Employed (ROCE)	7.58%	0.58%	0.77%	1.12%	0.69%
Return on Invested Capital (ROIC)	5.77%	0.45%	4.00%	4.45%	3.03%
Return on Tangible Assets	0.73%	0.23%	0.65%	0.95%	0.59%
Earnings Yield	9.29%	4.17%	15.00%	17.85%	12.79%
Efficiency Ratios
Receivables Turnover	12.18	7.70	12.34	14.22	10.94
Payables Turnover	18.51	-9.05	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.29	1.23	1.35	1.30	1.18
Asset Turnover	0.06	0.03	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.07	-0.14	1.24	0.95	0.89
Cash Conversion Cycle	10.25	87.74	29.57	25.67	33.36
Days of Sales Outstanding	29.97	47.43	29.57	25.67	33.36
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	19.72	-40.31	0.00	0.00	0.00
Operating Cycle	29.97	47.43	29.57	25.67	33.36
Cash Flow Ratios
Operating Cash Flow Per Share	5.40	2.70	12.07	17.83	-0.02
Free Cash Flow Per Share	4.17	1.30	5.48	16.28	-0.69
CapEx Per Share	1.24	1.40	6.59	1.55	0.67
Free Cash Flow to Operating Cash Flow	0.77	0.48	0.45	0.91	29.75
Dividend Paid and CapEx Coverage Ratio	3.11	1.42	1.59	8.72	-0.03
Capital Expenditure Coverage Ratio	4.37	1.93	1.83	11.52	-0.03
Operating Cash Flow Coverage Ratio	0.19	0.06	0.21	0.75	>-0.01
Operating Cash Flow to Sales Ratio	0.15	0.15	0.31	0.50	>-0.01
Free Cash Flow Yield	9.03%	4.25%	14.49%	40.20%	-2.24%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.76	23.98	6.67	5.60	7.82
Price-to-Sales (P/S) Ratio	1.32	1.69	0.97	1.13	1.01
Price-to-Book (P/B) Ratio	1.10	0.77	0.48	0.49	0.40
Price-to-Free Cash Flow (P/FCF) Ratio	11.07	23.53	6.90	2.49	-44.71
Price-to-Operating Cash Flow Ratio	8.54	11.33	3.13	2.27	-1.33K
Price-to-Earnings Growth (PEG) Ratio	-1.88	-0.31	-0.31	0.07	-0.31
Price-to-Fair Value	1.10	0.77	0.48	0.49	0.40
Enterprise Value Multiple	10.70	28.43	9.54	1.61	5.79
Enterprise Value	156.98M	131.01M	82.69M	16.86M	34.82M
EV to EBITDA	10.70	28.43	9.54	1.61	5.79
EV to Sales	1.83	3.64	2.15	0.48	1.18
EV to Free Cash Flow	15.39	50.51	15.25	1.06	-52.07
EV to Operating Cash Flow	11.87	24.32	6.92	0.97	-1.55K
Tangible Book Value Per Share	41.86	38.94	78.22	82.20	76.53
Shareholders’ Equity Per Share	41.86	39.95	78.22	82.20	76.53
Tax and Other Ratios
Effective Tax Rate	0.24	0.19	0.25	0.26	0.26
Revenue Per Share	34.94	18.10	38.78	35.75	30.52
Net Income Per Share	4.29	1.28	5.67	7.23	3.94
Tax Burden	0.76	0.81	0.75	0.74	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	0.18	0.52	0.51	0.48	0.49
Stock-Based Compensation to Revenue	<0.01	0.02	0.03	0.01	0.01
Income Quality	1.26	2.12	2.13	2.47	>-0.01

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