White River Bancshares Co (WRIV) AI Stock Analysis

• Market Cap: $96.58M
• Dividend Yield: 1.26%
• Average Volume (3M): 1.48K
• Price to Earnings (P/E): 13.1
• Beta (1Y): 0.02
• Revenue Growth: 32.44%
• EPS Growth: 129.85%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 2.94
• Shares Outstanding: 2,435,700
• 10 Day Avg. Volume: 3,012
• 30 Day Avg. Volume: 1,480
• PEG Ratio: 0.10
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.49
• Price to Cash Flow (P/CF): 7.40
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

White River Bancshares demonstrates strong revenue growth and cash flow generation, which are key strengths. The stock's technical indicators show positive momentum, though valuation metrics suggest it is fairly priced. The lack of significant insights from the earnings call limits clarity on future prospects. Overall, the stock is positioned moderately well with potential for improvement in profitability and operational efficiency.

White River Bancshares Co Business Overview & Revenue Model

Company Description

White River Bancshares Co (WRIV) is a financial services company that operates primarily in the banking sector. The company provides a range of banking products and services, including personal and commercial banking, mortgage lending, and wealth management solutions. Through its network of branches and digital platforms, White River Bancshares Co aims to serve the financial needs of individuals, businesses, and communities within its operating regions.

How the Company Makes Money

White River Bancshares Co generates revenue through various streams typical of a banking institution. The company earns interest income from loans given to individuals and businesses, which is a primary source of revenue. Additionally, it gains from interest on investments in securities. Non-interest income is another key revenue stream, which includes fees and commissions from services such as asset management, transaction processing, and advisory services. The company may also engage in strategic partnerships with other financial entities to offer a broader range of services, thereby enhancing its revenue potential. Additionally, prudent management of deposits and loan portfolios contributes to its profitability.

White River Bancshares Co Financial Statement Overview

Summary

White River Bancshares exhibits strong revenue growth and cash flow generation, indicating positive financial health. However, challenges with profitability margins and moderate financial leverage require attention. Improvements in operational efficiency and profit conversion could enhance performance.

Income Statement

White River Bancshares has demonstrated solid revenue growth with a TTM revenue of $64.48 million, up from $36.03 million in 2023, reflecting a strong growth trajectory. The company's gross profit margin is robust at approximately 113% for the TTM period, indicating efficient cost management. However, the net profit margin of 9.13% indicates room for improvement in converting revenue into profit. The EBIT and EBITDA margins are relatively low at 3.65% and 6.18% respectively, suggesting potential challenges in operational efficiency.

Balance Sheet

The company's balance sheet shows a high debt-to-equity ratio of 0.76 for the TTM period, which is moderate for the banking industry but suggests some leverage risk. A return on equity of 6.06% indicates moderate profitability from shareholder equity. The equity ratio of 8.00% highlights a relatively low level of equity financing compared to total assets, which could affect financial stability in volatile markets.

Cash Flow

Cash flow analysis reveals a strong free cash flow growth rate, with free cash flow increasing from $2.59 million in 2023 to $6.94 million in the TTM period. The operating cash flow to net income ratio of 1.80 demonstrates good cash generation relative to net income. Additionally, the free cash flow to net income ratio of 1.18 indicates efficient conversion of net income into cash flows.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
64.48M	36.03M	38.41M	34.86M	29.60M	27.67M
	Gross Profit
72.82M	58.17M	38.41M	34.86M	29.60M	27.67M
	EBIT
2.36M	3.15M	7.53M	9.51M	5.17M	6.92M
	EBITDA
3.98M	4.61M	8.67M	10.46M	6.02M	7.73M
	Net Income Common Stockholders
5.89M	2.55M	5.62M	7.05M	3.82M	5.14M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
27.94M	17.62M	11.84M	45.69M	22.90M	38.98M
	Total Assets
613.69M	1.13B	982.75M	851.96M	749.94M	702.10M
	Total Debt
37.46M	87.60M	57.09M	23.06M	27.83M	38.22M
	Net Debt
9.51M	69.98M	45.25M	-22.63M	4.93M	-765.12K
	Total Liabilities
550.87M	1.05B	905.28M	771.80M	675.73M	632.81M
	Stockholders Equity
62.83M	79.55M	77.47M	80.15M	74.21M	69.29M
Cash Flow		Free Cash Flow
6.94M	2.59M	5.42M	15.88M	-668.71K	4.81M
	Operating Cash Flow
10.58M	5.39M	11.95M	17.38M	-22.48K	6.11M
	Investing Cash Flow
-111.93M	-141.92M	-181.43M	-87.46M	-58.12M	-61.62M
	Financing Cash Flow
110.75M	142.33M	135.39M	92.99M	42.06M	65.55M

White River Bancshares Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 39.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WRIV, the sentiment is Positive. The current price of 39.65 is above the 20-day moving average (MA) of 39.02, above the 50-day MA of 38.40, and above the 200-day MA of 32.10, indicating a bullish trend. The MACD of 0.03 indicates Positive momentum. The RSI at 52.44 is Neutral, neither overbought nor oversold. The STOCH value of 63.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WRIV.

White River Bancshares Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BFC	73 Outperform	$1.01B	15.60	10.36%	1.53%	19.72%	-10.57%
WRIV	71 Outperform	$96.58M	13.10	7.87%	1.26%	32.44%	129.85%
BSRR	66 Neutral	$394.21M	10.02	11.67%	3.40%	5.69%	19.91%
BWFG	64 Neutral	$238.25M	24.47	3.38%	2.65%	1.34%	-74.99%
Sector *	63 Neutral	$14.20B	10.11	9.01%	4.34%	16.34%	-11.27%
FUNC	58 Neutral	$192.19M	9.44	12.06%	2.83%	16.56%	40.31%
SFBC	57 Neutral	$133.15M	28.89	4.54%	1.46%	11.61%	-37.10%