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White River Bancshares Co (WRIV) AI Stock Analysis
White River Bancshares Co
(Other OTC:WRIV)
The score is driven primarily by improving financial performance (better growth, margin expansion, higher ROE, and stronger operating/free cash flow in 2024–2025) and supportive technicals (price above key moving averages with positive MACD). Valuation is a secondary positive, with a reasonable P/E and a modest dividend yield, while the main risk noted is historical volatility in profitability, cash flows, and leverage trends.
White River Bancshares Co (WRIV) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $167.65M
- Dividend Yield
- 1.45%
- Average Volume (3M)
- 4,224
- Price to Earnings (P/E)
- 9.8
- Beta (1Y)
- 0.07
- Revenue Growth
- 16.01%
- EPS Growth
- 51.34%
- Country
- US
- Employees
- 0
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, health s...
White River Bancshares Co Financial Statement Overview
Summary
Recent fundamentals are solid: revenue accelerated (2025 up 11.9%), margins expanded meaningfully in 2024–2025, ROE improved to ~12.2% in 2025, and operating/free cash flow rebounded strongly in 2024–2025. The main offset is historical volatility (earnings and cash flow swings earlier in the period) and leverage that has varied materially over time despite improving to ~0.70 debt-to-equity in 2025.
Income Statement
78PositiveBalance Sheet
66PositiveCash Flow
72Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 95.68M | 95.68M | 77.08M | 58.17M | 43.80M | 39.36M |
| Gross Profit | 55.25M | 55.25M | 42.73M | 34.76M | 37.65M | 34.86M |
| EBITDA | 18.38M | 19.69M | 10.69M | 4.50M | 8.67M | 10.46M |
| Net Income | 13.83M | 13.83M | 6.93M | 2.55M | 5.62M | 7.05M |
Balance Sheet | ||||||
| Total Assets | 1.52B | 1.52B | 1.29B | 1.13B | 982.75M | 851.96M |
| Cash, Cash Equivalents and Short-Term Investments | 46.97M | 46.97M | 22.15M | 17.62M | 11.84M | 45.92M |
| Total Debt | 78.86M | 78.86M | 90.64M | 87.60M | 90.62M | 23.06M |
| Total Liabilities | 1.41B | 1.41B | 1.20B | 1.05B | 905.28M | 771.80M |
| Stockholders Equity | 112.91M | 112.91M | 96.59M | 79.55M | 77.47M | 80.15M |
Cash Flow | ||||||
| Free Cash Flow | 15.02M | 17.21M | 7.21M | 2.59M | 5.42M | 15.88M |
| Operating Cash Flow | 17.10M | 19.29M | 11.50M | 5.39M | 11.95M | 17.38M |
| Investing Cash Flow | -206.87M | -209.07M | -149.72M | -141.92M | -181.43M | -87.46M |
| Financing Cash Flow | 214.60M | 214.60M | 142.75M | 142.33M | 135.39M | 92.99M |
White River Bancshares Co Technical Analysis
Price Trends
Market Momentum
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 34.40 is above the 20-day moving average (MA) of 33.42, above the 50-day MA of 32.76, and above the 200-day MA of 28.58, indicating a bullish trend. The MACD of 0.49 indicates Negative momentum. The RSI at 66.08 is Neutral, neither overbought nor oversold. The STOCH value of 100.00 is Negative, 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
Overall Rating
MGYR78Outperform- WRIV75.2Outperform
SFBC65Neutral
BSBK57Neutral
RVSB55Neutral
SRBK54Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| MGYR | 78Outperform | $142.15M | 10.84 | 10.23% | 1.74% | 8.91% | 30.08% |
| WRIV | 75Outperform | $166.92M | 9.83 | 14.65% | 1.45% | 16.01% | 51.34% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SFBC | 65Neutral | $115.79M | 13.28 | 7.76% | 1.87% | 0.49% | 26.64% |
| BSBK | 57Neutral | $119.92M | 43.83 | <0.01% | ― | 20.94% | 444.24% |
| RVSB | 55Neutral | $120.80M | -42.32 | -2.02% | 1.31% | -10.03% | -162.70% |
| SRBK | 54Neutral | $133.97M | 37.16 | 2.02% | 1.16% | 9.63% | 37.01% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| WRIV | White River Bancshares Co | 34.40 | 10.90 | 46.38% | |
| MGYR | Magyar Bancorp | 21.90 | 5.43 | 32.94% | |
| RVSB | Riverview | 6.12 | 0.75 | 13.97% | |
| SFBC | Sound Financial Bancorp, Inc. | 45.02 | 0.90 | 2.05% | |
| BSBK | Bogota Financial Corp. | 9.38 | 1.01 | 12.07% | |
| SRBK | SR Bancorp, Inc. | 18.95 | 4.08 | 27.48% |
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.
Date of analysis: Sep 09, 2026