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White River Bancshares Co. (WRIV)
OTHER OTC:WRIV
US Market
WRIV
White River Bancshares Co
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White River Bancshares Co (WRIV) Ratios

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White River Bancshares Co Ratios

WRIV's free cash flow for Q4 2025 was $0.60. For the 2025 fiscal year, WRIV's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.04 0.04 0.05 0.04 0.02
Quick Ratio
 0.04 0.04 0.05 0.04 0.02
Cash Ratio
 0.04 0.04 0.04 0.03 0.01
Solvency Ratio
 0.01 0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.01 0.01 0.02 <0.01 0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.40 0.27 0.66
Net Current Asset Value
$ -1.46B$ -1.36B$ -1.17B$ -1.03B$ -890.33M
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.05 0.07 0.08 0.09
Debt-to-Equity Ratio
 0.61 0.70 0.94 1.10 1.17
Debt-to-Capital Ratio
 0.38 0.41 0.48 0.52 0.54
Long-Term Debt-to-Capital Ratio
 0.30 0.34 0.30 0.40 0.42
Financial Leverage Ratio
 13.83 13.49 13.37 14.24 12.69
Debt Service Coverage Ratio
 0.39 0.41 0.11 0.09 0.29
Interest Coverage Ratio
 0.50 0.47 0.28 0.14 1.40
Debt to Market Cap
 0.33 0.48 0.89 2.38 2.01
Interest Debt Per Share
 22.96 24.02 53.98 110.38 96.94
Net Debt to EBITDA
 1.04 1.62 7.43 15.54 9.08
Profitability Margins
Gross Profit Margin
59.20%57.74%55.44%59.76%85.95%
EBIT Margin
19.59%18.73%11.96%5.41%17.18%
EBITDA Margin
19.70%20.57%11.96%7.74%19.80%
Operating Profit Margin
19.59%18.73%11.96%5.41%17.18%
Pretax Profit Margin
19.59%18.73%11.96%5.41%17.18%
Net Profit Margin
15.08%14.45%8.99%4.38%12.82%
Continuous Operations Profit Margin
15.08%14.45%8.99%4.38%12.82%
Net Income Per EBT
76.98%77.14%75.22%80.91%74.61%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.95%0.91%0.54%0.22%0.57%
Return on Equity (ROE)
13.62%12.25%7.18%3.20%7.25%
Return on Capital Employed (ROCE)
10.11%8.99%1.39%0.58%4.92%
Return on Invested Capital (ROIC)
7.78%6.94%1.00%0.45%3.28%
Return on Tangible Assets
0.95%0.91%0.54%0.23%0.57%
Earnings Yield
9.97%11.44%8.66%8.35%15.00%
Efficiency Ratios
Receivables Turnover
 15.30 15.11 12.77 12.42 14.08
Payables Turnover
 12.11 13.68 12.10 9.58 6.74
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.86 2.60 2.12 1.98 1.53
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.08 -0.10 -0.13 -0.08 -0.06
Cash Conversion Cycle
 -6.27 -2.54 -1.59 -8.74 -28.21
Days of Sales Outstanding
 23.85 24.15 28.58 29.38 25.93
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 30.13 26.69 30.16 38.12 54.14
Operating Cycle
 23.85 24.15 28.58 29.38 25.93
Cash Flow Ratios
Operating Cash Flow Per Share
 3.51 3.95 5.02 5.42 12.07
Free Cash Flow Per Share
 3.08 3.53 3.15 2.61 5.48
CapEx Per Share
 0.43 0.43 1.87 2.81 6.59
Free Cash Flow to Operating Cash Flow
 0.88 0.89 0.63 0.48 0.45
Dividend Paid and CapEx Coverage Ratio
 5.18 5.84 2.09 1.42 1.59
Capital Expenditure Coverage Ratio
 8.23 9.28 2.68 1.93 1.83
Operating Cash Flow Coverage Ratio
 0.24 0.24 0.13 0.06 0.13
Operating Cash Flow to Sales Ratio
 0.17 0.20 0.15 0.09 0.27
Free Cash Flow Yield
9.69%14.24%9.00%8.51%14.49%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.94 8.75 11.54 11.97 6.67
Price-to-Sales (P/S) Ratio
 1.50 1.26 1.04 0.52 0.85
Price-to-Book (P/B) Ratio
 1.30 1.07 0.83 0.38 0.48
Price-to-Free Cash Flow (P/FCF) Ratio
 10.24 7.02 11.11 11.75 6.90
Price-to-Operating Cash Flow Ratio
 8.99 6.26 6.97 5.66 3.13
Price-to-Earnings Growth (PEG) Ratio
 0.21 0.10 0.08 -0.15 0.12
Price-to-Fair Value
 1.30 1.07 0.83 0.38 0.48
Enterprise Value Multiple
 8.66 7.76 16.12 22.31 13.40
Enterprise Value
 176.05M 152.72M 148.60M 100.45M 116.22M
EV to EBITDA
 8.72 7.76 16.12 22.31 13.40
EV to Sales
 1.72 1.60 1.93 1.73 2.65
EV to Free Cash Flow
 11.72 8.87 20.61 38.73 21.43
EV to Operating Cash Flow
 10.30 7.92 12.92 18.65 9.72
Tangible Book Value Per Share
 23.90 22.80 41.39 77.99 78.22
Shareholders’ Equity Per Share
 24.21 23.13 42.18 80.02 78.22
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.25 0.19 0.25
Revenue Per Share
 21.02 19.60 33.66 58.51 44.22
Net Income Per Share
 3.17 2.83 3.03 2.56 5.67
Tax Burden
 0.77 0.77 0.75 0.81 0.75
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
 0.26 0.25 0.28 0.32 0.44
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 0.01 0.03
Income Quality
 1.24 1.39 1.66 2.12 2.13
Currency in USD