White River Bancshares Co.

WRIV

WRIVWhite River Bancshares Co. US flag

Other OTC

58.56

USD

+2.57

- -

142.70MMarket Cap

Income Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	24	23	25	28	30	35	38	36	44	57
+ Sales & Services Revenue	24	23	25	28	30	35	38	36	44	57
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	11	12	13	14	15	17	21	21	22	24
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-11	-12	-13	-14	-15	-17	-21	-21	-22	-24
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-6	-6	-6	-7	-5	-10	-8	-3	-9	-18
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-6	-6	-6	-7	-5	-10	-8	-3	-9	-18
Pretax Income	6	6	6	7	5	10	8	3	9	18
- Income Tax Expense (Benefit)	2	3	2	2	1	2	2	1	2	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	4	3	5	5	4	7	6	3	7	14
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	4	3	5	5	4	7	6	3	7	14
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	4	3	5	5	4	7	6	3	7	14
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	4	3	5	5	4	7	6	3	7	14
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	1	1	1	1	2
EBITDA Margin (%)	3.05	3.32	2.93	2.92	2.85	2.72	2.98	3.77	3.33	3.07
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	14.86	13.12	18.65	18.58	12.92	20.23	14.62	7.06	15.72	24.14
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	4.73	- -	- -	- -	0.25	0.5	0.5	0.53	0.5
Depreciation Expense	1	1	1	1	1	1	1	1	1	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2
Basic EPS, GAAP	1.81	1.56	2.51	2.64	1.97	3.62	2.82	1.28	3.03	5.66
Basic EPS from Cont Ops	1.81	1.56	2.51	2.64	1.97	3.62	2.82	1.28	3.03	5.66
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2
Diluted EPS, GAAP	1.81	1.56	2.37	2.64	1.97	3.62	2.82	1.28	3.03	5.63
Diluted EPS from Cont Ops	1.81	1.56	2.37	2.64	1.97	3.62	2.82	1.28	3.03	5.63

Balance Sheet (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	23	27	28	39	23	46	12	18	22	168
+ Cash & Cash Equivalents	23	27	28	39	23	46	12	18	22	47
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	121
+ Accounts & Notes Receiv	2	2	3	3	3	2	3	5	6	6
+ Accounts Receivable, Net	2	2	3	3	3	2	3	5	6	6
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-25	-30	-30	-42	-26	-48	-15	-22	-28	-175
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	8	8	9	25	25	27	29	29	36	37
+ Property, Plant & Equip	16	17	18	35	36	35	38	40	48	49
- Accumulated Depreciation	8	8	9	10	11	9	10	10	12	12
+ LT Investments & Receivables	49	50	57	59	76	83	98	122	142	165
+ LT Investments	49	50	57	59	76	83	98	122	142	165
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-57	-59	-65	-84	-101	-110	-126	-151	-178	-202
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	2	2	2
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	2	2	2
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-57	-59	-65	-84	-101	-110	-126	-153	-180	-204
Total Assets	527	592	614	702	750	852	983	1,133	1,290	1,524
+ Payables & Accruals	- -	- -	1	1	- -	- -	1	2	3	3
+ Accounts Payable	- -	- -	1	1	- -	- -	1	2	3	3
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	-1	-1	- -	- -	-1	-2	-3	-3
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	-1	-1	- -	- -	-1	-2	-3	-3
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	38	53	37	38	28	23	72	88	91	79
+ LT Borrowings	38	53	37	38	28	23	57	71	70	57
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	15	16	21	21
+ Other LT Liabilities	-38	-53	-37	-38	-28	-23	-72	-88	-91	-79
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-38	-53	-37	-38	-28	-23	-72	-88	-91	-79
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	453	534	551	633	676	772	905	1,054	1,193	1,411
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	95	87	87	88	88	88	90	90	103	103
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	95	87	87	88	88	88	90	90	103	103
- Treasury Stock	- -	- -	- -	- -	- -	1	1	1	1	1
+ Retained Earnings	-22	-28	-23	-18	-14	-8	-3	-4	2	15
+ Other Equity	- -	- -	-1	- -	1	- -	-8	-6	-7	-3
Equity Before Minority Interest	73	59	63	69	74	80	77	80	97	113
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	73	59	63	69	74	80	77	80	97	113
Total Liabilities & Equity	527	592	614	702	750	852	983	1,133	1,290	1,524
Shares Outstanding	2	2	2	2	2	2	2	2	2	2
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	15	16	21	21
Net Debt	15	25	10	-1	5	-23	45	54	48	10
Net Debt to Equity	20.24	43.45	15.14	-1.1	6.64	-28.52	58.41	67.45	49.33	9.26
Tangible Common Equity Ratio	13.91	9.88	10.24	9.87	9.9	9.41	7.88	6.86	7.36	7.31
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	4	3	5	5	4	7	6	3	7	14
+ Depreciation & Amortization	1	1	1	1	1	1	1	1	1	2
+ Non-Cash Items	3	1	2	2	4	1	3	2	2	3
+ Stock-Based Compensation	- -	- -	- -	1	- -	- -	1	1	- -	- -
+ Deferred Income Taxes	2	1	- -	1	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	2	- -	2	1	4	1	1	2	1	3
+ Chg in Non-Cash Work Cap	1	2	- -	-2	-8	9	2	-1	- -	-1
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	-1	-2	-1	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	1	2	- -	- -
+ Inc (Dec) in Other	- -	2	- -	-2	-8	8	2	-1	1	-1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	8	7	7	6	- -	17	12	5	11	17
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-3	-1	-1	-1	-1	-2	-7	-3	-4	-2
+ Acq of Fixed Prod Assets	-3	-1	-1	-1	-1	-2	-7	-2	-4	-2
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -
+ Cash (Repurchase) of Equity	11	- -	- -	- -	- -	-1	- -	- -	12	- -
+ Increase in Capital Stock	11	- -	- -	- -	- -	- -	- -	- -	12	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -
+ Net Change in LT Investment	- -	-2	-7	-1	-16	-9	-25	-22	-21	-19
+ Dec in LT Investment	13	10	7	10	23	21	11	8	18	27
+ Inc in LT Investment	-13	-11	-14	-12	-39	-30	-36	-29	-39	-46
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-23	-63	-14	-59	-42	-77	-150	-117	-124	-186
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-26	-65	-22	-62	-58	-87	-181	-142	-149	-207
+ Dividends Paid	- -	-9	- -	- -	- -	- -	-1	-1	-1	-1
+ Net Cash From Debt	2	15	-15	1	-10	-5	34	13	-2	-12
+ Cash From Debt	8	26	5	24	5	- -	37	38	17	15
+ Repayments of Debt	-6	-11	-20	-23	-15	-5	-3	-25	-19	-28
+ Other Financing Activities	5	57	32	65	53	99	102	130	134	228
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	18	63	17	66	42	93	135	142	143	215
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	1	5	1	10	-16	23	-34	6	5	25
EBITDA	1	1	1	1	1	1	1	1	1	2
EBITDA Margin (%)	3.05	3.32	2.93	2.92	2.85	2.72	2.98	3.77	3.33	3.07
Free Cash Flow	6	6	6	5	-1	16	5	2	6	15
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	6	6	6	5	-1	16	5	2	6	15
Free Cash Flow to Equity	- -	21	-10	6	-11	11	40	17	5	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	6.18
Price/Free Cash Flow	- -	- -	- -	8.79	95.86	4.18	4.08	7.72	5.36	6.31
Cash Flow to Net Income	2.3	2.31	1.47	1.19	-0.01	2.47	2.13	2.01	1.54	1.24
Capital Expenditures	-3	-1	-1	-1	-1	-2	-7	-3	-4	-2