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White River Bancshares Co WRIV

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Price alert · WRIV

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33.89 USD -0.01 -0.03%

At close · Oct 30

33.60 Day range 33.89
23.33 52-week range 33.95
YTD
+36.93%
1 year
+43.97%
Open
33.60
Prev close
33.90
Mkt cap
165.16M
Vol
460
Avg vol
2.35K
EPS
3.47
P/E
9.77
More statistics
Low
33.60
High
33.89

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Financial health

Altman Z-Score

0.22 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 2

Valuation

P/E 8.7×
FY 2016: 10.4×FY 2017: 12.1×FY 2018: 8.0×FY 2019: 6.3×FY 2020: 7.8×FY 2021: 11.2×FY 2022: 6.7×FY 2023: 24.0×FY 2024: 11.5×FY 2025: 8.7×
FY 2016 5y median 11.2× FY 2025
P/S 1.3×
FY 2016: 1.3×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 0.5×FY 2024: 1.0×FY 2025: 1.3×
FY 2016 5y median 1.0× FY 2025
P/B 1.1×
FY 2016: 0.5×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.8×FY 2025: 1.1×
FY 2016 5y median 0.5× FY 2025
P/FCF 7.0×
FY 2016: 6.7×FY 2017: 5.9×FY 2018: 6.2×FY 2019: 6.8×FY 2020: -44.7×FY 2021: 2.5×FY 2022: 6.9×FY 2023: 11.8×FY 2024: 11.1×FY 2025: 7.0×
FY 2016 5y median 7.0× FY 2025
EV/EBITDA 7.8×
FY 2016: 7.9×FY 2017: 8.6×FY 2018: 6.8×FY 2019: 4.1×FY 2020: 5.8×FY 2021: 1.6×FY 2022: 13.4×FY 2023: 22.3×FY 2024: 13.9×FY 2025: 7.8×
FY 2016 5y median 13.4× FY 2025
EV/Sales 1.6×
FY 2016: 1.9×FY 2017: 2.2×FY 2018: 1.5×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 0.4×FY 2022: 2.7×FY 2023: 1.7×FY 2024: 1.9×FY 2025: 1.6×
FY 2016 5y median 1.7× FY 2025
FCF Yield 14.2%
FY 2016: 15.0%FY 2017: 17.0%FY 2018: 16.1%FY 2019: 14.8%FY 2020: -2.2%FY 2021: 40.2%FY 2022: 14.5%FY 2023: 8.5%FY 2024: 9.0%FY 2025: 14.2%
FY 2016 5y median 14.2% FY 2025

Profitability

Gross Margin 57.7%
FY 2016: 82.1%FY 2017: 86.5%FY 2018: 81.7%FY 2019: 76.3%FY 2020: 71.7%FY 2021: 88.6%FY 2022: 86.0%FY 2023: 59.8%FY 2024: 55.4%FY 2025: 57.7%
FY 2016 5y median 59.8% FY 2025
Operating Margin 18.7%
FY 2016: 21.1%FY 2017: 22.7%FY 2018: 19.7%FY 2019: 19.4%FY 2020: 13.9%FY 2021: 24.2%FY 2022: 17.2%FY 2023: 5.4%FY 2024: 12.0%FY 2025: 18.7%
FY 2016 5y median 17.2% FY 2025
Net Margin 14.5%
FY 2016: 12.9%FY 2017: 10.7%FY 2018: 14.8%FY 2019: 14.4%FY 2020: 10.3%FY 2021: 17.9%FY 2022: 12.8%FY 2023: 4.4%FY 2024: 9.0%FY 2025: 14.5%
FY 2016 5y median 12.8% FY 2025
ROE 12.2%
FY 2016: 4.8%FY 2017: 5.2%FY 2018: 7.3%FY 2019: 7.4%FY 2020: 5.2%FY 2021: 8.8%FY 2022: 7.2%FY 2023: 3.2%FY 2024: 7.2%FY 2025: 12.2%
FY 2016 5y median 7.2% FY 2025
ROIC 6.9%
FY 2016: 3.1%FY 2017: 2.7%FY 2018: 4.4%FY 2019: 4.1%FY 2020: 3.1%FY 2021: 5.6%FY 2022: 3.3%FY 2023: 0.5%FY 2024: 1.0%FY 2025: 6.9%
FY 2016 5y median 3.3% FY 2025
ROA 0.9%
FY 2016: 0.7%FY 2017: 0.5%FY 2018: 0.7%FY 2019: 0.7%FY 2020: 0.5%FY 2021: 0.8%FY 2022: 0.6%FY 2023: 0.2%FY 2024: 0.5%FY 2025: 0.9%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue 24.1%
FY 2016: 0.0%FY 2017: 3.4%FY 2018: 9.1%FY 2019: 15.2%FY 2020: 4.7%FY 2021: 5.5%FY 2022: 11.3%FY 2023: 32.8%FY 2024: 32.5%FY 2025: 24.1%
FY 2016 FY 2025
Operating Income 94.5%
FY 2016: 0.0%FY 2017: 11.1%FY 2018: -5.6%FY 2019: 13.9%FY 2020: -25.3%FY 2021: 83.9%FY 2022: -20.9%FY 2023: -58.2%FY 2024: 193.0%FY 2025: 94.5%
FY 2016 FY 2025
EPS (diluted) 85.8%
FY 2016: 0.0%FY 2017: -14.1%FY 2018: 52.4%FY 2019: 11.4%FY 2020: -25.4%FY 2021: -8.1%FY 2022: -22.1%FY 2023: -54.6%FY 2024: 136.7%FY 2025: 85.8%
FY 2016 FY 2025
Free Cash Flow 138.7%
FY 2016: 0.0%FY 2017: 13.3%FY 2018: -6.1%FY 2019: -18.1%FY 2020: -113.9%FY 2021: 2474.0%FY 2022: -65.8%FY 2023: -52.2%FY 2024: 178.0%FY 2025: 138.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.7×
FY 2016: 0.5×FY 2017: 0.9×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 0.7×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 1.6×
FY 2016: 2.3×FY 2017: 3.5×FY 2018: 1.4×FY 2019: -0.1×FY 2020: 0.8×FY 2021: -2.2×FY 2022: 9.1×FY 2023: 15.5×FY 2024: 6.4×FY 2025: 1.6×
FY 2016 5y median 6.4× FY 2025
Interest Coverage 0.5×
FY 2016: 1.6×FY 2017: 1.2×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.7×FY 2021: 2.1×FY 2022: 1.4×FY 2023: 0.1×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 1.0%
FY 2016: 0.0%FY 2017: 25.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 1.2%FY 2022: 2.7%FY 2023: 3.3%FY 2024: 1.5%FY 2025: 1.0%
FY 2016 5y median 1.5% FY 2025
Payout Ratio 8.9%
FY 2016: 0.0%FY 2017: 303.7%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 6.9%FY 2022: 17.7%FY 2023: 39.2%FY 2024: 17.6%FY 2025: 8.9%
FY 2016 5y median 17.6% FY 2025

Annual · latest fiscal year ends 2025-12-31