WRIV
White River Bancshares Co
Price Chart
Latest Quote
$53.22
Current Price| Previous Close | $52.90 |
| Open | $53.00 |
| Day High | $53.22 |
| Day Low | $53.00 |
| Volume | 700 |
Stock Information
| Quarterly Dividend / Yield | $0.50 / 0.94% |
| Shares Outstanding | 2.43M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $129.55M |
| P/E Ratio | 9.45 |
| EPS (TTM) | $5.63 |
| Exchange | OQX |
đ Custom Metrics & Score
Score: 9/42| Debt to Equity | 0.70 |
| Debt to Earnings | 4.40 |
| Avg Revenue Growth | 12.29% |
| Profit Margin | 24.14% |
| Return on Equity | 12.25% |
| Avg FCF Growth | -28.46% |
| FCF Yield | 1.79% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $53.22 | 823 |
| 2026-01-30 | $52.90 | 0 |
| 2026-01-29 | $52.90 | 0 |
| 2026-01-28 | $52.90 | 0 |
| 2026-01-27 | $52.90 | 2,670 |
| 2026-01-26 | $52.80 | 800 |
| 2026-01-23 | $52.80 | 0 |
| 2026-01-22 | $52.80 | 12,500 |
| 2026-01-21 | $52.50 | 36,703 |
| 2026-01-20 | $50.50 | 0 |
| 2026-01-16 | $50.50 | 1,200 |
| 2026-01-15 | $50.50 | 0 |
| 2026-01-14 | $50.50 | 1,282 |
| 2026-01-13 | $51.00 | 800 |
| 2026-01-12 | $51.00 | 274 |
| 2026-01-09 | $50.25 | 5,917 |
| 2026-01-08 | $49.50 | 330 |
| 2026-01-07 | $49.50 | 0 |
| 2026-01-06 | $49.50 | 2,315 |
| 2026-01-05 | $49.45 | 1,260 |
About White River Bancshares Co
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 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 Company was founded in 2005 and is headquartered in Fayetteville, Arkansas.
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Income Statement (Annual)
Revenue
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Total Revenue | $57,292,350 | $44,113,862 | $36,034,357 | $38,408,652 |
| Operating Revenue | $57,292,350 | $44,113,862 | $36,034,357 | $38,408,652 |
Expenses
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Interest Expense | $38,392,335 | $32,964,881 | $22,132,534 | $5,392,313 |
| Selling And Marketing Expense | $2,012,844 | $1,901,229 | $1,871,768 | $1,373,196 |
| General And Administrative Expense | $21,661,457 | $19,960,194 | $18,687,153 | $19,460,554 |
| Professional Expense And Contract Services Expense | $3,258,473 | $2,636,296 | $2,330,140 | $1,936,620 |
| Other Non Interest Expense | $5,256,855 | $4,805,479 | $4,851,305 | $3,985,535 |
Income & Earnings
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $13,827,727 | $6,933,165 | $2,545,119 | $5,615,801 |
| Net Interest Income | $48,714,937 | $36,521,097 | $29,930,891 | $32,868,874 |
| Interest Income | $87,107,272 | $69,485,978 | $52,063,425 | $38,261,187 |
| Normalized Income | $13,815,790 | $6,923,739 | $2,545,119 | $5,728,805 |
| Net Income From Continuing And Discontinued Operation | $13,827,727 | $6,933,165 | $2,545,119 | $5,615,801 |
| Net Income Common Stockholders | $13,827,727 | $6,933,165 | $2,545,119 | $5,615,801 |
| Net Income | $13,827,727 | $6,933,165 | $2,545,119 | $5,615,801 |
| Net Income Including Noncontrolling Interests | $13,827,727 | $6,933,165 | $2,545,119 | $5,615,801 |
| Net Income Continuous Operations | $13,827,727 | $6,933,165 | $2,545,119 | $5,615,801 |
| Pretax Income | $17,926,414 | $9,217,480 | $3,145,566 | $7,526,654 |
| Depreciation Amortization Depletion Income Statement | $212,146 | $212,141 | $106,073 | $0 |
| Depreciation And Amortization In Income Statement | $212,146 | $212,141 | $106,073 | $0 |
| Amortization Of Intangibles Income Statement | $212,146 | $212,141 | $106,073 | $0 |
Per Share Metrics
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Diluted EPS | - | $3.03 | $1.28 | $2.81 |
| Basic EPS | - | $3.03 | $1.28 | $2.82 |
Other
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $3,538 | $3,105 | $0 | $-38,476 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $15,475 | $12,531 | $0 | $-151,480 |
| Total Unusual Items Excluding Goodwill | $15,475 | $12,531 | $0 | $-151,480 |
| Reconciled Depreciation | $212,146 | $212,141 | $1,356,823 | $1,145,424 |
| Diluted NI Availto Com Stockholders | $13,827,727 | $6,933,165 | $2,545,119 | $5,615,801 |
| Tax Provision | $4,098,687 | $2,284,315 | $600,447 | $1,910,853 |
| Amortization | $212,146 | $212,141 | $106,073 | $0 |
| Selling General And Administration | $23,674,301 | $21,861,423 | $20,558,921 | $20,833,750 |
| Salaries And Wages | $21,661,457 | $19,960,194 | $18,687,153 | $19,460,554 |
| Occupancy And Equipment | $4,919,161 | $4,001,043 | $3,767,352 | $3,366,093 |
| Diluted Average Shares | - | $2,288,173 | $1,991,406 | $1,993,610 |
| Basic Average Shares | - | $2,288,173 | $1,991,302 | $1,990,018 |
| Other Gand A | - | - | - | $2,444,067 |
Balance Sheet (Annual)
Assets
| Metric | 2025-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $111,323,445 | $77,533,437 | $77,469,138 | $80,152,794 |
| Total Assets | $1,523,707,631 | $1,133,055,741 | $982,751,414 | $851,955,806 |
| Goodwill And Other Intangible Assets | $1,591,094 | $2,015,386 | $0 | - |
| Receivables | $6,330,619 | $4,682,162 | $3,111,863 | $2,451,610 |
| Accounts Receivable | $6,330,619 | $4,682,162 | $3,111,863 | $2,451,610 |
| Cash And Cash Equivalents | $46,969,073 | $17,624,468 | $11,835,438 | $45,924,111 |
| Cash Cash Equivalents And Federal Funds Sold | $46,969,073 | $17,624,468 | $11,835,438 | $45,924,111 |
| Other Intangible Assets | - | $2,015,386 | - | - |
Debt
| Metric | 2025-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Debt | $10,450,421 | $53,655,108 | $45,253,555 | - |
| Total Debt | $78,858,548 | $87,599,513 | $72,467,671 | $23,062,884 |
| Long Term Debt And Capital Lease Obligation | $78,858,548 | $87,599,513 | $72,467,671 | $23,062,884 |
| Long Term Debt | $57,419,494 | $71,279,576 | $57,088,993 | $23,062,884 |
Liabilities
| Metric | 2025-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $1,410,793,092 | $1,053,506,918 | $905,282,276 | $771,803,012 |
| Payables And Accrued Expenses | $2,956,460 | $2,444,462 | $912,615 | $175,835 |
| Payables | $2,956,460 | $2,444,462 | $912,615 | $175,835 |
| Accounts Payable | $2,956,460 | $2,444,462 | $912,615 | $175,835 |
Equity
| Metric | 2025-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $112,914,539 | $79,548,823 | $77,469,138 | $80,152,794 |
| Total Equity Gross Minority Interest | $112,914,539 | $79,548,823 | $77,469,138 | $80,152,794 |
| Stockholders Equity | $112,914,539 | $79,548,823 | $77,469,138 | $80,152,794 |
| Gains Losses Not Affecting Retained Earnings | $-3,342,791 | $-6,178,021 | $-8,208,126 | $138,523 |
| Other Equity Adjustments | $-3,342,791 | $-6,178,021 | $-8,208,126 | $138,523 |
| Retained Earnings | $14,688,173 | $-3,624,915 | $-3,287,098 | $-7,907,902 |
Other
| Metric | 2025-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Treasury Shares Number | $38,838 | $33,702 | $21,418 | $17,688 |
| Ordinary Shares Number | $2,434,215 | $1,983,630 | $1,995,570 | $1,984,602 |
| Share Issued | $2,473,053 | $2,017,332 | $2,016,988 | $2,002,290 |
| Tangible Book Value | $111,323,445 | $77,533,437 | $77,469,138 | $80,152,794 |
| Invested Capital | $170,334,033 | $150,828,399 | $134,558,131 | $103,215,678 |
| Capital Lease Obligations | $21,439,054 | $16,319,937 | $15,378,678 | - |
| Total Capitalization | $170,334,033 | $150,828,399 | $134,558,131 | $103,215,678 |
| Treasury Stock | $1,385,465 | $1,119,100 | $711,111 | $563,128 |
| Additional Paid In Capital | $102,929,865 | $90,460,773 | $89,665,389 | $88,475,289 |
| Capital Stock | $24,757 | $10,086 | $10,084 | $10,012 |
| Common Stock | $24,757 | $10,086 | $10,084 | $10,012 |
| Long Term Capital Lease Obligation | $21,439,054 | $16,319,937 | $15,378,678 | - |
| Long Term Provisions | $1,478,000 | $1,433,000 | - | - |
| Investments And Advances | $165,229,235 | $121,968,125 | $97,680,105 | $83,423,237 |
| Available For Sale Securities | $165,229,235 | $121,968,125 | $97,680,105 | $83,423,237 |
| Net PPE | $36,812,612 | $29,347,939 | $28,555,250 | $26,902,610 |
| Accumulated Depreciation | - | $-10,260,234 | $-9,671,093 | $-8,542,509 |
| Gross PPE | - | $39,608,173 | $38,226,343 | $35,445,119 |
| Other Properties | - | $16,612,540 | $15,587,655 | $18,876,238 |
| Machinery Furniture Equipment | - | $8,496,872 | $8,591,314 | $7,314,460 |
| Buildings And Improvements | - | $13,509,402 | $13,058,015 | $9,254,421 |
| Land And Improvements | - | $989,359 | $989,359 | - |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Free Cash Flow | $2,319,089 | $5,423,944 | $15,875,114 |
Operating Activities
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Operating Cash Flow | $5,111,550 | $11,952,244 | $17,384,598 |
| Cash Flow From Continuing Operating Activities | $5,111,550 | $11,952,244 | $17,384,598 |
| Operating Gains Losses | $-175,065 | $-40,205 | $-50,293 |
Investing Activities
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Capital Expenditure | $-2,792,461 | $-6,528,300 | $-1,509,484 |
| Investing Cash Flow | $-141,649,600 | $-181,426,258 | $-87,458,669 |
| Cash Flow From Continuing Investing Activities | $-141,649,600 | $-181,426,258 | $-87,458,669 |
| Net Other Investing Changes | - | $-7,440,380 | - |
Financing Activities
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Repurchase Of Capital Stock | $-407,989 | $-147,983 | $-615,785 |
| Financing Cash Flow | $142,327,080 | $135,385,341 | $92,993,802 |
| Cash Flow From Continuing Financing Activities | $142,327,080 | $135,385,341 | $92,993,802 |
| Cash Dividends Paid | $-997,646 | $-994,997 | $-484,522 |
| Net Common Stock Issuance | $-407,989 | $-147,983 | $-615,785 |
| Net Other Financing Charges | - | $-440,605 | $-4,792,060 |
| Common Stock Dividend Paid | - | - | $-484,522 |
Other
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Repayment Of Debt | $-24,727,107 | $-2,828,797 | $-4,792,060 |
| Issuance Of Debt | $38,000,000 | $37,250,000 | $0 |
| End Cash Position | $17,624,468 | $11,835,438 | $45,924,111 |
| Beginning Cash Position | $11,835,438 | $45,924,111 | $23,004,380 |
| Changes In Cash | $5,789,030 | $-34,088,673 | $22,919,731 |
| Common Stock Payments | $-407,989 | $-147,983 | $-615,785 |
| Net Issuance Payments Of Debt | $13,272,893 | $34,421,203 | $-4,792,060 |
| Net Long Term Debt Issuance | $13,272,893 | $34,421,203 | $-4,792,060 |
| Long Term Debt Payments | $-24,727,107 | $-2,828,797 | $-4,792,060 |
| Long Term Debt Issuance | $38,000,000 | $37,250,000 | $0 |
| Net Investment Purchase And Sale | $-21,513,857 | $-25,408,133 | $-9,025,271 |
| Sale Of Investment | $7,645,615 | $11,008,330 | $21,463,308 |
| Purchase Of Investment | $-29,159,472 | $-36,416,463 | $-30,488,579 |
| Net Intangibles Purchase And Sale | $-1,272,875 | $0 | - |
| Purchase Of Intangibles | $-1,272,875 | $0 | - |
| Net PPE Purchase And Sale | $-1,404,047 | $-6,463,300 | $-1,441,080 |
| Sale Of PPE | $115,539 | $65,000 | $68,404 |
| Purchase Of PPE | $-1,519,586 | $-6,528,300 | $-1,509,484 |
| Change In Working Capital | $-910,283 | $2,414,052 | $8,510,472 |
| Change In Other Working Capital | $195,259 | $108,608 | - |
| Change In Other Current Liabilities | $-331,869 | $-265,115 | $412,021 |
| Change In Other Current Assets | $-460,613 | $-243,766 | $-82,126 |
| Change In Payables And Accrued Expense | $1,531,847 | $736,780 | $-206,639 |
| Change In Payable | $1,531,847 | $736,780 | $-206,639 |
| Change In Account Payable | $1,531,847 | $736,780 | $-206,639 |
| Change In Receivables | $-1,570,299 | $-660,253 | $253,744 |
| Changes In Account Receivables | $-1,570,299 | $-660,253 | $253,744 |
| Other Non Cash Items | $-251,062 | $115,735 | $210,539 |
| Stock Based Compensation | $795,386 | $1,190,172 | $464,777 |
| Amortization Of Securities | $673,523 | $254,927 | $367,646 |
| Deferred Tax | $-197,891 | $496,338 | $-117,765 |
| Deferred Income Tax | $-197,891 | $496,338 | $-117,765 |
| Depreciation Amortization Depletion | $1,356,823 | $1,145,424 | $948,399 |
| Depreciation And Amortization | $1,356,823 | $1,145,424 | $948,399 |
| Depreciation | $1,356,823 | $1,145,424 | $948,399 |
| Gain Loss On Sale Of PPE | $535 | $-9,605 | $16,911 |
| Net Income From Continuing Operations | $2,545,119 | $5,615,801 | $7,050,823 |
| Gain Loss On Investment Securities | - | $0 | $-57,004 |