White River Bancshares Co (WRIV) AI Stock Analysis

• Market Cap: $115.07M
• Dividend Yield: 1.07%
• Average Volume (3M): 909.00
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.11
• Revenue Growth: 24.50%
• EPS Growth: 78.54%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.44
• Shares Outstanding: 2,448,246
• 10 Day Avg. Volume: 1,205
• 30 Day Avg. Volume: 909
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.28
• Enterprise Value/Revenue: 1.72
• Enterprise Value/Gross Profit: 4.00
• Enterprise Value/Ebitda: 10.01
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 71 Outperform
• Price Target: ―

White River Bancshares demonstrates strong revenue growth and cash flow generation, which are key strengths. The stock's technical indicators show positive momentum, though valuation metrics suggest it is fairly priced. The lack of significant insights from the earnings call limits clarity on future prospects. Overall, the stock is positioned moderately well with potential for improvement in profitability and operational efficiency.

White River Bancshares Co Business Overview & Revenue Model

Company Description

White River Bancshares Co operates as the bank holding company for Signature Bank of Arkansas that provides financial services to small businesses, families, and farms. The company offers personal savings, money market, young investors, health savings, and individual retirement accounts, as well as small business, commercial, and business interest checking accounts. It also provides personal, auto and boat, recreational, mortgage, home equity, small business administration, real estate, secured, and construction loans; line of credits; and certificates of deposits, as well as credit and debit cards. In addition, the company offers online, mobile, text, and telephone banking services; mobile deposit; overdraft; signature finance 360; and wealth management services, including asset allocation, asset management, estate planning, retirement planning, bonds, and insurance and annuities. White River Bancshares Co was founded in 2005 and is headquartered in Fayetteville, Arkansas.

How the Company Makes Money

White River Bancshares Co Financial Statement Overview

Summary

White River Bancshares exhibits strong revenue growth and cash flow generation, indicating positive financial health. However, challenges with profitability margins and moderate financial leverage require attention. Improvements in operational efficiency and profit conversion could enhance performance.

Income Statement

White River Bancshares has demonstrated solid revenue growth with a TTM revenue of $64.48 million, up from $36.03 million in 2023, reflecting a strong growth trajectory. The company's gross profit margin is robust at approximately 113% for the TTM period, indicating efficient cost management. However, the net profit margin of 9.13% indicates room for improvement in converting revenue into profit. The EBIT and EBITDA margins are relatively low at 3.65% and 6.18% respectively, suggesting potential challenges in operational efficiency.

Balance Sheet

The company's balance sheet shows a high debt-to-equity ratio of 0.76 for the TTM period, which is moderate for the banking industry but suggests some leverage risk. A return on equity of 6.06% indicates moderate profitability from shareholder equity. The equity ratio of 8.00% highlights a relatively low level of equity financing compared to total assets, which could affect financial stability in volatile markets.

Cash Flow

Cash flow analysis reveals a strong free cash flow growth rate, with free cash flow increasing from $2.59 million in 2023 to $6.94 million in the TTM period. The operating cash flow to net income ratio of 1.80 demonstrates good cash generation relative to net income. Additionally, the free cash flow to net income ratio of 1.18 indicates efficient conversion of net income into cash flows.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	85.55M	77.08M	36.03M	38.41M	34.86M	29.60M
Gross Profit	36.74M	0.00	58.17M	38.41M	34.86M	29.60M
EBITDA	14.67M	9.22M	4.61M	8.67M	10.46M	6.02M
Net Income	10.50M	6.93M	2.55M	5.62M	7.05M	3.82M
Balance Sheet
Total Assets	1.43B	1.29B	1.13B	982.75M	851.96M	749.94M
Cash, Cash Equivalents and Short-Term Investments	25.60M	0.00	17.62M	11.84M	45.69M	22.90M
Total Debt	69.60M	90.64M	87.60M	57.09M	23.06M	27.83M
Total Liabilities	1.33B	1.20B	1.05B	905.28M	771.80M	675.73M
Stockholders Equity	102.50M	96.59M	79.55M	77.47M	80.15M	74.21M
Cash Flow
Free Cash Flow	10.20M	7.21M	2.59M	5.42M	15.88M	-668.71K
Operating Cash Flow	13.23M	11.50M	5.39M	11.95M	17.38M	-22.48K
Investing Cash Flow	-238.28M	-149.72M	-141.92M	-181.43M	-87.46M	-58.12M
Financing Cash Flow	201.16M	142.75M	142.33M	135.39M	92.99M	42.06M

White River Bancshares Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 47.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 47 is above the 20-day moving average (MA) of 46.63, above the 50-day MA of 46.40, and above the 200-day MA of 41.57, indicating a bullish trend. The MACD of 0.19 indicates Negative momentum. The RSI at 60.01 is Neutral, neither overbought nor oversold. The STOCH value of 65.43 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WRIV	―	$115.07M	10.20	10.80%	1.07%	24.50%	78.54%
MGYR	―	$109.73M	10.96	8.68%	1.71%	18.82%	35.00%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	―	$114.55M	11.26	6.52%	1.73%	2.85%	73.57%
RVSB	―	$108.51M	23.38	2.90%	1.55%	8.77%	369.81%
SRBK	―	$116.02M	23.73	1.91%	1.02%	26.46%	―
BSBK	―	$112.65M	―	-0.25%	―	-12.23%	83.58%