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White River Bancshares Co (WRIV) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of White River Bancshares Co stock $21.16, price $34.40, that is 38.5% below the price, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

WR White River Bancshares Co logo Some data Nov 8, 2026

White River Bancshares Co

WRIV · US
Stretched Valuation

Our calculation puts a fair price 38% below what the stock costs today.

Healthy Growth (revenue 5y +14.1 %/yr in USD)
Highly profitable · 24.1% net margin (FY2025)
Costs just 9.9 times its yearly profit.
Quality 52/100
Moderate moat 59/100 · thin data
Some data
Fair value $21.16 · Strongly overvalued
Trails peers (1/12)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$53.30 $12.57 Fair Value $21.16 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $12.57 – $53.30 · fair‑value band $19.30 – $26.24 · the $34.40 price screens above the $21.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

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.

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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.

Stock analysis

White River Bancshares Co (WRIV) currently trades at $34.40, while our model-based Fair Value estimate is $21.16, 38% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $34.28 per share, and 1 of the 6 models we run sit above the $34.40 price.

Bear case: the Dividend Discount group reads lowest at $2.79, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $19.30 (bear) to $26.24 (bull), the price of $34.40 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

White River Bancshares Co reported revenue of $57.3M in FY2025 versus $34.9M in FY2021, a compound +13.2%/yr. Reported net income was $13.8M in FY2025, compounding +18.3%/yr from FY2021.

Key figures

Market cap $168M Micro · P/E ratio 9.9 · P/S ratio 2.39 · EPS (TTM) $3.47 · Net margin 24.1% · Free cash flow $15.1M · Net debt $10.5M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (low confidence).

What moves the price

The share trades about 35% below its 52-week high and 48% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −38%, WRIV screens richer than that median.

Fair Value models

Bear $19.30 Fair Value $21.16 Bull $26.24
Price $34.40 · Downside -38.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.98 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $19.30 $21.16 $26.24 76
Gordon GGM $1.72 $2.86 $3.68 68
DDM Multi-Stage $1.72 $2.72 $3.08 67
All 6 models by family
Dividend Discount
Gordon GGM $1.72 $2.86 $3.68 68
DDM Multi-Stage $1.72 $2.72 $3.08 67
Multiples
P/E Multiple $27.66 $36.89 $46.11 63
P/B Multiple $23.74 $31.66 $39.57 55
Asset-Based
NCAV (Graham) $11.31 $15.15 $22.61 54
Economic Profit
Residual Income $19.30 $21.16 $26.24 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 43
How much profit the company makes from its sales and capital
Quality Growth 69
Are margins and returns getting better?
Cashflow 84
Do the profits arrive as real cash?
Financial strength 10
Debt, balance sheet and risk of trouble
Investment 49
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 74
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 62
Distance to the 52-week high, does not count
New shares 48
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+29.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.1%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.3%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+12.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.4%
Dividend (yield on the price)0.0%
2025 sits 102% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Revenue per share shrinking 5.3%/yr over ~6Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

WRIV screens overvalued: fair value 38% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 1/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −38.5% · Bottom 25%
Profitability
Return on assets 0.9% · Below median
Net margin (12 months) 24.1% · Below median
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.51× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.9× · Cheaper than median
P/B 1.48× · Pricier than median
Price / free cash flow (fiscal year) 11.1× · Pricier than median

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs WRIV
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs WRIV
BNP Paribas SA BNP €91.93 €106.01 +15% vs WRIV
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs WRIV
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs WRIV
UniCredit S.p.A UCG €76.80 €50.44 −34% vs WRIV
Mizuho Financial Group MFG $9.40 $5.89 −37% vs WRIV
DBS Group D05 69.72 SGD 40.39 SGD −42% vs WRIV
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs WRIV
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs WRIV

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White River Bancshares Co: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "White River Bancshares Co Fair Value". https://www.fairvalue-calculator.com/stock/WRIV

Frequently asked questions

Is White River Bancshares Co (WRIV) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $21.16 versus a price of $34.40, about 38% lower (overvalued).
What is the fair value of WRIV?
Our model-based fair value for White River Bancshares Co is $21.16 (as of Nov 8, 2026), built from audited fundamentals. The current price: $34.40.
What is the quality score of WRIV?
White River Bancshares Co has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for White River Bancshares Co (WRIV)?
Our model-based price target is the fair value of $21.16 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $19.30, optimistic scenario $26.24. It is a calculation from audited fundamentals, not an analyst target.
What is the White River Bancshares Co stock forecast for 2026?
Our models put fair value at $21.16, about 38% lower versus a price of $34.40 (overvalued). Cautious scenario $19.30, optimistic scenario $26.24. The calculation is refreshed regularly with new filings.
What is the intrinsic value of White River Bancshares Co (WRIV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For White River Bancshares Co it is $21.16 per share (as of Nov 8, 2026), against a price of $34.40. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is White River Bancshares Co stock overvalued or undervalued in 2026?
As of Nov 8, 2026, WRIV trades above its calculated fair value: price $34.40, fair value $21.16, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WRIV?
No. The price is what the market pays today ($34.40); the fair value is what the company's own numbers justify ($21.16). For White River Bancshares Co the two are $13.24 per share apart. That gap is exactly why we show both numbers side by side.
How much is White River Bancshares Co worth?
The market values White River Bancshares Co at about $168M (market capitalisation, as of Nov 8, 2026). Per share that is $34.40; our models calculate a fair value of $21.16 per share.
What do the bullish and bearish scenarios say about WRIV?
Our models span a range for White River Bancshares Co: cautious scenario $19.30, base $21.16, optimistic $26.24 per share (as of Nov 8, 2026, price $34.40). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WRIV?
White River Bancshares Co trades at a price-to-earnings ratio of 9.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $21.16 is built from several models across several years. Other multiples: P/B 1.5.
How solid is the balance sheet of White River Bancshares Co (WRIV)?
Balance-sheet figures for White River Bancshares Co (as of Nov 8, 2026): debt of 0.51 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is WRIV from its 52-week high?
White River Bancshares Co trades at $34.40, about 35% below its 52-week high of $53.30 and 48% above the low of $23.23 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $21.16 is for.
Which stocks are comparable to White River Bancshares Co?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is White River Bancshares Co stock attractive at the current price?
The data as of Nov 8, 2026: price $34.40, calculated fair value $21.16 (−38%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WRIV calculated?
We run White River Bancshares Co through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $21.16 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. White River Bancshares Co itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of White River Bancshares Co (WRIV)?
The closing price on Nov 6, 2026 was $34.40. Our model-based fair value is $21.16, about 38% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with White River Bancshares Co right now?
The price sits above even our optimistic bull case ($26.24). The favourable scenario is already priced in. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of White River Bancshares Co

How large is the market capitalisation of White River Bancshares Co (WRIV)?
The market capitalisation of White River Bancshares Co is $168M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of White River Bancshares Co (WRIV)?
The price-to-sales ratio of White River Bancshares Co is 2.39 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of White River Bancshares Co (WRIV)?
Earnings per share at White River Bancshares Co are $3.47 (price ÷ EPS = P/E 9.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of White River Bancshares Co (WRIV)?
The net margin of White River Bancshares Co is 24.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
How much free cash flow does White River Bancshares Co (WRIV) generate?
The free cash flow of White River Bancshares Co is $15.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does White River Bancshares Co (WRIV) carry?
The net debt of White River Bancshares Co is $10.5M (fiscal year 2025, ≈ 0.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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