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White River Bancshares Co (WRIV) AI Stock Analysis
White River Bancshares Co
(Other OTC:WRIV)
The overall score is driven primarily by strong and improving fundamentals in revenue, margins, ROE, leverage, and cash flows, supported by a clear technical uptrend with healthy momentum and low volatility, while a reasonable valuation adds support without being the main catalyst.
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
Revenue has grown strongly from $39M in 2021 to $96M in 2025, profitability and ROE have improved, leverage has moderated, and cash flows have strengthened, supporting a high score despite some historical volatility and earlier leverage risk.
Income Statement
85Very PositiveBalance Sheet
78PositiveCash Flow
82Very Positive| 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
- WRIV82.7Outperform
MGYR78Outperform
SFBC65Neutral
BSBK57Neutral
RVSB55Neutral
SRBK54Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| WRIV | 83Outperform | $167.65M | 9.83 | 14.65% | 1.45% | 16.01% | 51.34% |
| MGYR | 78Outperform | $141.37M | 10.84 | 10.23% | 1.74% | 8.91% | 30.08% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SFBC | 65Neutral | $115.69M | 13.28 | 7.76% | 1.87% | 0.49% | 26.64% |
| BSBK | 57Neutral | $119.67M | 43.83 | <0.01% | ― | 20.94% | 444.24% |
| RVSB | 55Neutral | $120.80M | -42.32 | -2.02% | 1.31% | -10.03% | -162.70% |
| SRBK | 54Neutral | $135.62M | 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