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White River Bancshares Co
(OTC:WRIV)
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Rating:75Outperform
Price Target:
$36.00
▼(-43.22% Downside)
Action:Reiterated
Date:09/09/26
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.
Positive Factors
Accelerating revenue and margin expansion
Revenue has accelerated through 2025, while net margin expanded from about 9.0% to 14.5% and operating margin from 12.0% to 18.7% in 2024–2025. This combination indicates stronger earnings leverage and gives the bank more capacity to reinvest or absorb normal operating pressure.
Negative Factors
Historical earnings and margin volatility
The earlier profit step-down and subsequent margin normalization show that earnings performance has not been consistently stable across operating conditions. This volatility makes future profitability less predictable and could moderate the durability of the recent margin improvement if conditions become less favorable.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating revenue and margin expansion
Revenue has accelerated through 2025, while net margin expanded from about 9.0% to 14.5% and operating margin from 12.0% to 18.7% in 2024–2025. This combination indicates stronger earnings leverage and gives the bank more capacity to reinvest or absorb normal operating pressure.
Read all positive factors
White River Bancshares Co (WRIV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$76.70M
Dividend Yield1.55%
Average Volume (3M)1.24K
Price to Earnings (P/E)10.4
Beta (1Y)0.07
Revenue Growth19.78%
EPS Growth47.55%
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.66
Shares Outstanding2,436,754
10 Day Avg. Volume301
30 Day Avg. Volume1,235
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...
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
63.40
Price Trends
28.22
Positive
27.57
Positive
26.75
Positive
Market Momentum
1.32
Positive
65.09
Neutral
66.67
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 63.4 is above the 20-day moving average (MA) of 31.70, above the 50-day MA of 28.22, and above the 200-day MA of 26.75, indicating a bullish trend. The MACD of 1.32 indicates Positive momentum. The RSI at 65.09 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $76.70M | 10.41 | 13.62% | 1.55% | 19.78% | 47.55% | |
75 Outperform | $127.82M | 10.14 | 9.59% | 1.97% | 7.51% | 20.96% | |
68 Neutral | $122.62M | 15.29 | 7.31% | 1.71% | -0.53% | 27.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $145.03M | 43.90 | 1.80% | 1.07% | 6.46% | 1.90% | |
57 Neutral | $117.09M | 44.29 | 1.83% | ― | 21.45% | ― | |
55 Neutral | $106.15M | -27.46 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
WRIV
White River Bancshares Co
32.31
9.23
40.00%
MGYR
Magyar Bancorp
19.27
2.29
13.47%
RVSB
Riverview Bancorp
5.25
0.33
6.82%
SFBC
Sound Financial Bancorp
48.00
1.62
3.49%
BSBK
Bogota Financial
9.30
-0.05
-0.55%
SRBK
SR Bancorp, Inc.
19.68
4.89
33.04%
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.