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White River Bancshares Company (WRIV) Fair Value & Analysis

Financial Services · US · Market cap $132M

Price$54.25
Fair Value$73.77
Upside+36.0%
Quality95/100
Evidence: High Range $55.33 – $92.21

Fair value as of: Jun 26, 2026

Analysis

White River Bancshares Company (WRIV) currently trades at $54.25, while our model-based Fair Value estimate is $73.77 — implying the stock looks roughly 36.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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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Frequently asked questions

Is White River Bancshares Company (WRIV) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $73.77 versus a price of $54.25 — about +36% (undervalued). Model-based estimate, not financial advice.
What is the fair value of WRIV?
Our 21-model fair value for White River Bancshares Company is $73.77 (as of Jun 26, 2026), built from audited fundamentals. The current price is $54.25.
What is the quality score of WRIV?
White River Bancshares Company has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.