White River Bancshares Co (WRIV) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of White River Bancshares Co $66.00, price $33.00, upside +100.0%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $12.57 – $53.30 · fair‑value band $49.50 – $82.49 · the $33.00 price screens below the $66.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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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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.
Stock analysis
White River Bancshares Co (WRIV) currently trades at $33.00, while our model-based Fair Value estimate is $66.00, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $64.87 per share, and 3 of the 4 models we run sit above the $33.00 price.
Bear case: the Asset-Based group reads lowest at $31.05, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $49.50 (bear) to $82.49 (bull), the price of $33.00 sits below 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 54/100 (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 $132M · P/E ratio 5.6 · P/S ratio 1.34 · EPS (TTM) $5.94 · 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 43 out of 100 (low confidence).
What moves the price
The share trades about 38% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 100%, WRIV screens cheaper than that median.
Fair Value models
Bear $49.50Fair Value $66.00Bull $82.49
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($4.36 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.Evidence ⓘEvidence = 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.
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%
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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.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−7.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −9.1% a year for the price.
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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 · 1076 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside+100% · Top 25%
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)24% · Below median
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.51× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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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 Sep 23, 2026, our model estimates a fair value of $66.00 versus a price of $33.00, about +100% upside (undervalued).
What is the fair value of WRIV?
Our model-based fair value for White River Bancshares Co is $66.00 (as of Sep 23, 2026), built from audited fundamentals. The current price: $33.00.
What is the quality score of WRIV?
White River Bancshares Co has a Quality Score of 54/100. 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 $66.00 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $49.50, optimistic scenario $82.49. 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 $66.00, about +100% upside versus a price of $33.00 (undervalued). Cautious scenario $49.50, optimistic scenario $82.49. The calculation is refreshed regularly with new filings.
What growth is priced into White River Bancshares Co (WRIV)?
For today's price to be fair in a discounted-cash-flow model, White River Bancshares Co would have to grow free cash flow by -7.0 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +14.1 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of WRIV use?
Our models discount White River Bancshares Co at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For White River Bancshares Co that is -7.0 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has White River Bancshares Co (WRIV) delivered so far?
Over the past 5 years revenue at White River Bancshares Co grew +14.1 % a year. The price currently implies -7.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of White River Bancshares Co (WRIV) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into White River Bancshares Co (-7.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of White River Bancshares Co (WRIV)?
The free-cash-flow yield on the price is 18.81 %: that much free cash flow White River Bancshares Co produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $66.00 per share (as of Sep 23, 2026), against a price of $33.00. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is White River Bancshares Co stock overvalued or undervalued in 2026?
As of Sep 23, 2026, WRIV trades below its calculated fair value: price $33.00, fair value $66.00, a gap of about +100% (undervalued). 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 ($33.00); the fair value is what the company's own numbers justify ($66.00). For White River Bancshares Co the two are $33.00 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 $132M (market capitalisation, as of Sep 23, 2026). Per share that is $33.00; our models calculate a fair value of $66.00 per share.
What do the bullish and bearish scenarios say about WRIV?
Our models span a range for White River Bancshares Co: cautious scenario $49.50, base $66.00, optimistic $82.49 per share (as of Sep 23, 2026, price $33.00). 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 5.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $66.00 is built from several models across several years. Other multiples: P/B 1.2.
How solid is the balance sheet of White River Bancshares Co (WRIV)?
Balance-sheet figures for White River Bancshares Co (as of Sep 23, 2026): debt of 0.51 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is WRIV from its 52-week high?
White River Bancshares Co trades at $33.00, about 38% below its 52-week high of $53.30 and 44% above the low of $22.91 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of $66.00 is for.
Which stocks are comparable to White River Bancshares Co?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $33.00, calculated fair value $66.00 (+100%), Quality Score 54/100, from 4 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 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $66.00, 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 13.0 % above its aggregate fair value. White River Bancshares Co currently trades 100 % below its own fair value, and the market average says nothing about that. 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 Sep 22, 2026 was $33.00. Our model-based fair value is $66.00, about +100% upside (undervalued). 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 is below even our cautious bear case ($49.50). The market is more pessimistic than our downside scenario. Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality. 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 $132M. 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 1.34 (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 $5.94 (price ÷ EPS = P/E 5.6). 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 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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Sep 23, 2026