White River Bancshares Co

White River Bancshares Co

WRIV
White River Bancshares CoUS flagOther OTC
54.00
USD
-0.10
- -
131.58MMarket Cap
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
12.18
11.87
13.47
14.21
15.26
17.87
19.3
18.1
19.26
- -
20.47
Basic EPS, GAAP
1.81
1.56
2.51
2.64
1.97
3.62
2.82
1.28
3.03
- -
4.3
Free Cash Flow per Basic Share
2.83
3.21
3.23
2.47
-0.34
8.14
2.73
1.16
2.78
- -
4.57
Dividend per Share
- -
4.73
- -
- -
- -
0.25
0.5
0.5
0.53
- -
- -
Book Value per Share
-11.19
-14.36
-12.88
-9.39
-7.46
-4.05
-1.65
-1.81
0.92
- -
2.79
Tangible Book Value per Share
37.55
30.02
34.54
35.57
38.27
41.1
38.93
38.94
41.39
- -
41.24
Basic Weighted Avg Shares
2
2
2
2
2
2
2
2
2
- -
2
Sales/Revenue/Turnover
24
23
25
28
30
35
38
36
44
57
50
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
1
1
2
2
Net Income, GAAP
4
3
5
5
4
7
6
3
7
14
11
Effective Tax Rate (%)
39.09
52.82
24.83
25.73
26.07
25.88
25.39
19.09
24.78
22.86
23.9
Profit Margin (%)
14.86
13.12
18.65
18.58
12.92
20.23
14.62
7.06
15.72
24.14
20.99
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
38
53
37
38
28
23
72
88
91
79
70
Total Equity
73
59
63
69
74
80
77
80
97
113
102
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
164.4
4,201.98

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
70
48
48
LT Finance Leases
21
20
22
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
80
95
102

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
22
48
26
Accounts Receivable, Net
6
7
7
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3
3
3
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
9.13%
16.9%
Free Cash Flow
- -
-457.05%
137.22%
Net Income, GAAP
- -
56.24%
99.44%
Sales/Revenue/Turnover
- -
14.82%
29.87%
Total Cash Common Dividend
- -
6.72%
0.04%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10
11
11
12
44
2025
13
14
16
- -
57
2026
15
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.26
0.81
1.12
0.75
3.03
2025
1.07
1.35
1.79
- -
- -
2026
1.39
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.53
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Gary R. Head
Full Time Employees
143
Sector
Financial Services
Industry
Banks - Regional
Address
3878 North Crossover Road Fayetteville AR United States of America 72703
IPO Date
Feb 28, 2019
Business
White River Bancshares Co (NASDAQ: WRIV) operates as a bank holding company for Signature Bank, providing a range of commercial banking products and services primarily to small and middle-market businesses, real estate investors, and high-net-worth individuals. The company offers deposit products including checking, savings, and money market accounts; lending services such as commercial real estate loans, business loans, lines of credit, construction loans, and multifamily lending; and wealth management services encompassing investment management, financial planning, and trust services. Signature Bank delivers these through a network of branches concentrated in major metropolitan areas across the United States, with a focus on the New York metropolitan region and select other urban markets. Founded in 2001 and headquartered in New York, New York, White River Bancshares maintains operations in key U.S. financial centers, targeting institutional clients and commercial enterprises with customized banking solutions. The bank's services also include cash management, escrow services, and online banking platforms designed for efficient transaction processing and treasury services. In recent developments, White River Bancshares Co underwent a significant rebranding and structural evolution tied to the acquisition and revival of Signature Bank assets following the 2023 FDIC takeover of the original Signature Bank amid regional banking sector turbulence; this positioned WRIV as the holding company overseeing the restructured entity's operations launched in 2024. The company expanded its footprint through strategic branch reopenings and technology integrations in 2025, enhancing digital banking capabilities for commercial clients. Additionally, WRIV announced partnerships with fintech providers to bolster payment processing and lending platforms, alongside a recent funding round to support nationwide expansion.

Company News

APIChat
  • White River Bancshares Co. Reports Net Income of $3.4 million, or $1.38 Per Diluted Share, for the First Quarter of 2026

  • White River Bancshares Company Completes Private Placement of $25.0 Million of Subordinated Debt

  • White River Bancshares Co. Announces Annual Cash Dividend of $0.50 Per Diluted Share

  • White River Bancshares Co. Reports Net Income of $3.30 million, or $1.34 Per Diluted Share, in 2Q25; Results Driven by Loan Growth and Net Interest Margin Expansion

  • White River Bancshares Co. Earns a Record $2.74 million, or $1.12 Per Diluted Share, in 3Q24; Highlighted by Net Interest Margin Expansion

  • Stock Split Summer: The 3 Next Companies Investors Should Be Watching

  • White River Bancshares Co. Announces Annual Cash Dividend of $1.00 Per Share and Declares 2-for-1 Stock Split

  • White River Bancshares Co. Earns a Record $1.85 million, or $1.61 Per Diluted Share, in 2Q24; Highlighted by Successful Capital Raise and Net Interest Margin Expansion

  • White River Bancshares Co. Announces Completion of $12.46 Million Private Placement of Common Shares

  • White River Bancshares Co. Earns $509,000, or $0.51 Per Diluted Share, in First Quarter 2024; Highlighted by Higher Net Interest Income and Double Digit Loan and Deposit Growth Year-Over-Year

  • White River Bancshares Co. Earns $788,000, or $0.79 Per Diluted Share, in Fourth Quarter 2023 and Earns $2.55 Million, or $2.56 Per Diluted Share for the Year; Highlighted by Double Digit Loan and Deposit Growth Year-Over-year

  • White River Bancshares Co. Earns $639,000, or $0.64 Per Diluted Share, in Third Quarter 2023; Highlighted by Double Digit Loan and Deposit Growth Year-Over-year

  • White River Bancshares Co. Earns $779,000, or $0.78 Per Diluted Share, in Second Quarter 2023; Results Highlighted by Strong Loan and Deposit Growth

  • White River Bancshares Co. Announces Annual Cash Dividend of $0.50 Per Share

  • White River Bancshares Co. Earns Record $2.08 Million, or $2.14 Per Diluted Share, for Second Quarter 2021

  • White River Bancshares Co. Earns Record $1.55 Million, or $1.60 Per Diluted Share, for First Quarter 2021