White River Bancshares Co. (WRIV)
OTHER OTC:WRIV
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White River Bancshares Co
(OTC:WRIV)
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Rating:69Neutral
Price Target:
$58.00
▲(13.73% Upside)
Action:Reiterated
Date:03/24/26
The score is driven primarily by improving financial performance (better growth, margins, ROE, and cash flow in 2024–2025) and an appealing low P/E valuation. These positives are tempered by weak near-term technical momentum (below key moving averages with negative MACD), despite some oversold readings.
Positive Factors
Revenue Growth Trend
Sustained revenue acceleration into 2025 reflects improving core lending and fee income traction for a regional bank. A multi-year uptrend improves predictability of cash flows and supports scalable operating leverage, helping sustain investment and reserve coverage over the next several quarters.
Negative Factors
Inconsistent Historical Leverage
Meaningful swings in leverage over recent years indicate balance-sheet management that can vary with conditions. If macro or credit conditions worsen, past inconsistency increases refinancing and capital adequacy risk and could force more defensive actions that constrain growth and returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Sustained revenue acceleration into 2025 reflects improving core lending and fee income traction for a regional bank. A multi-year uptrend improves predictability of cash flows and supports scalable operating leverage, helping sustain investment and reserve coverage over the next several quarters.
Read all positive factors
White River Bancshares Co (WRIV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$132.21M
Dividend Yield1.02%
Average Volume (3M)909.00
Price to Earnings (P/E)9.0
Beta (1Y)0.14
Revenue Growth22.30%
EPS Growth59.03%
CountryUS
Employees143
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.66
Shares Outstanding2,448,246
10 Day Avg. Volume1,205
30 Day Avg. Volume909
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)1.07
Price to Sales (P/S)1.26
P/FCF Ratio7.02
Enterprise Value/Market Cap0.86
Enterprise Value/Revenue1.19
Enterprise Value/Gross Profit2.05
Enterprise Value/Ebitda6.17
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
White River Bancshares Co Business Overview & Revenue Model
Company Description
White River Bancshares Co serves as the holding company for Signature Bank of Arkansas, offering a broad spectrum of financial services to small businesses, families, and the agricultural community. The company provides various deposit accounts, s...
How the Company Makes Money
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White River Bancshares Co Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
66
Positive
Cash Flow
72
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 95.68M | 77.08M | 58.17M | 43.80M | 39.36M |
| Gross Profit | 55.25M | 42.73M | 34.76M | 37.65M | 34.86M |
| EBITDA | 19.69M | 9.22M | 4.50M | 8.67M | 10.46M |
| Net Income | 13.83M | 6.93M | 2.55M | 5.62M | 7.05M |
Balance Sheet | |||||
| Total Assets | 1.52B | 1.29B | 1.13B | 982.75M | 851.96M |
| Cash, Cash Equivalents and Short-Term Investments | 46.97M | 22.15M | 17.62M | 11.84M | 45.92M |
| Total Debt | 78.86M | 90.64M | 87.60M | 90.62M | 23.06M |
| Total Liabilities | 1.41B | 1.20B | 1.05B | 905.28M | 771.80M |
| Stockholders Equity | 112.91M | 96.59M | 79.55M | 77.47M | 80.15M |
Cash Flow | |||||
| Free Cash Flow | 17.21M | 7.21M | 2.59M | 5.42M | 15.88M |
| Operating Cash Flow | 19.29M | 11.50M | 5.39M | 11.95M | 17.38M |
| Investing Cash Flow | -209.07M | -149.72M | -141.92M | -181.43M | -87.46M |
| Financing Cash Flow | 214.60M | 142.75M | 142.33M | 135.39M | 92.99M |
White River Bancshares Co Technical Analysis
Positive
51.00
Price Trends
53.14
Positive
53.48
Positive
50.22
Positive
Market Momentum
0.24
Negative
63.45
Neutral
77.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WRIV, the sentiment is Positive. The current price of 51 is below the 20-day moving average (MA) of 53.54, below the 50-day MA of 53.14, and above the 200-day MA of 50.22, indicating a bullish trend. The MACD of 0.24 indicates Negative momentum. The RSI at 63.45 is Neutral, neither overbought nor oversold. The STOCH value of 77.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WRIV.
White River Bancshares Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $110.19M | 9.45 | 9.18% | 1.81% | 8.55% | 25.00% | |
69 Neutral | $132.21M | 9.01 | 10.80% | 1.02% | 22.30% | 59.03% | |
68 Neutral | $111.96M | 14.77 | 6.99% | 1.75% | 0.38% | 50.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $139.16M | 30.27 | 2.44% | 0.88% | 15.21% | 2015.08% | |
58 Neutral | $123.85M | -28.47 | -2.73% | 1.51% | -11.57% | -191.02% | |
54 Neutral | $116.33M | 55.22 | 1.47% | ― | 23.30% | ― |
* Financial Sector Average
WRIV
White River Bancshares Co
54.00
14.84
37.90%
MGYR
Magyar Bancorp
17.05
1.48
9.48%
RVSB
Riverview Bancorp
5.98
0.65
12.20%
SFBC
Sound Financial Bancorp
43.63
-4.67
-9.66%
BSBK
Bogota Financial
9.05
1.64
22.13%
SRBK
SR Bancorp, Inc.
18.96
6.08
47.23%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.