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White River Bancshares Co
(OTC:WRIV)
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Rating:77Outperform
Price Target:
$72.00
▲(16.41% Upside)
Action:Upgraded
Date:08/02/26
The score is driven primarily by improving financial performance (stronger growth, margins, ROE, and cash flow in the most recent period) and strong technical trend positioning above all major moving averages. Valuation is also supportive due to the low P/E, partially offset by only a modest dividend yield and historical variability in profitability/cash flow/leverage.
Positive Factors
Sustained Revenue Growth
Consistent revenue acceleration across 2020–2025 indicates expanding core banking activity and market traction. A multi-year growth trend supports durable earnings capacity, improving forecasting confidence and providing the base for reinvestment, credit growth, and fee income expansion.
Negative Factors
Historical Earnings/Cashflow Volatility
Documented variability in profits and cash generation weakens predictability of future free cash flow and dividends. Periodic swings raise the risk that recent improvements may reverse in adverse cycles, complicating capital planning, provisioning and long-term strategic investments if macro or credit conditions deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Consistent revenue acceleration across 2020–2025 indicates expanding core banking activity and market traction. A multi-year growth trend supports durable earnings capacity, improving forecasting confidence and providing the base for reinvestment, credit growth, and fee income expansion.
Read all positive factors
White River Bancshares Co (WRIV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$308.86M
Dividend Yield0.79%
Average Volume (3M)909.00
Price to Earnings (P/E)10.2
Beta (1Y)0.30
Revenue Growth19.78%
EPS Growth47.55%
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.66
Shares Outstanding4,873,508
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 Company 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, healt...
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
61.85
Price Trends
28.25
Positive
27.35
Positive
26.16
Positive
Market Momentum
1.31
Negative
93.84
Negative
74.13
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 61.85 is above the 20-day moving average (MA) of 30.03, above the 50-day MA of 28.25, and above the 200-day MA of 26.16, indicating a bullish trend. The MACD of 1.31 indicates Negative momentum. The RSI at 93.84 is Negative, neither overbought nor oversold. The STOCH value of 74.13 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $123.76M | 10.08 | 9.80% | 1.81% | 7.51% | 21.12% | |
77 Outperform | $308.86M | 10.15 | 13.30% | 1.62% | 19.78% | 47.55% | |
70 Outperform | $121.20M | 15.04 | 7.31% | 1.78% | -0.54% | 27.58% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $143.49M | 43.61 | 1.80% | 1.10% | 6.46% | 1.90% | |
58 Neutral | $106.85M | -27.72 | -2.50% | 1.52% | -11.21% | -176.24% | |
54 Neutral | $116.33M | 43.10 | 1.47% | ― | 21.45% | ― |
* Financial Sector Average
WRIV
White River Bancshares Co
32.19
9.48
41.74%
MGYR
Magyar Bancorp
19.12
2.20
12.97%
RVSB
Riverview Bancorp
5.40
0.52
10.54%
SFBC
Sound Financial Bancorp
46.98
0.99
2.16%
BSBK
Bogota Financial
8.94
0.58
6.94%
SRBK
SR Bancorp, Inc.
19.98
6.08
43.71%
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.