White River Bancshares Co. Financial Ratios — WRIV Stock

Profitability (USD)

	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

Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	164.4
Return on Assets (%)	- -	0.54	0.76	0.78	0.53	0.88	0.61	0.24	0.57	0.98
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.05	3.32	2.93	2.92	2.85	2.72	2.98	3.77	3.33	3.07
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	24.4	27.81	24.81	25.02	17.48	27.29	19.6	8.73	20.89	31.29
Profit Margin (%)	14.86	13.12	18.65	18.58	12.92	20.23	14.62	7.06	15.72	24.14
Net Income to Common Margin (%)	14.86	13.12	18.65	18.58	12.92	20.23	14.62	7.06	15.72	24.14
Effective Tax Rate (%)	39.09	52.82	24.83	25.73	26.07	25.88	25.39	19.09	24.78	22.86
Dvd Payout Ratio (%)	- -	303.68	- -	- -	- -	6.87	17.72	39.2	17.65	8.85
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	149.84

Credit (USD)

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	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 Debt	38	53	37	38	28	23	72	88	91	79
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	38	53	37	38	28	23	72	88	91	79
Total Debt/EBITDA	52.28	68.83	52.17	47.29	32.97	24.32	63.27	64.56	61.64	44.82
Net Debt/EBITDA	20.45	33.1	13.25	-0.95	5.83	-24.11	39.51	39.54	32.4	5.94
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-4.14	-4.73	-3.82	-2.6	-1.93	-0.93	-0.33	-0.32	0.16	0.97
Long-Term Debt/Equity (%)	51.74	90.35	59.62	55.16	37.5	28.77	93.54	110.12	93.84	69.84
Long-Term Debt/Capital (%)	235.62	212.52	267.05	191.76	208.22	152.08	104.74	104.29	97.73	84.28
Long-Term Debt/Total Assets (%)	7.2	8.93	6.1	5.44	3.71	2.71	7.37	7.73	7.03	5.18
Total Debt/Equity (%)	51.74	90.35	59.62	55.16	37.5	28.77	93.54	110.12	93.84	69.84
Total Debt/Capital (%)	235.62	212.52	267.05	191.76	208.22	152.08	104.74	104.29	97.73	84.28
Total Debt/Total Assets (%)	7.2	8.93	6.1	5.44	3.71	2.71	7.37	7.73	7.03	5.18
Net Debt to Equity	20.24	43.45	15.14	-1.1	6.64	-28.52	58.41	67.45	49.33	9.26
Net Debt/Capital (%)	-212.2	-990.45	-68.36	4.02	-51.63	74.32	78.9	80.84	67.48	22.42
EBITDA	1	1	1	1	1	1	1	1	1	2
EBITDA-CapEx	-2	- -	- -	- -	- -	-1	-5	-1	-3	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-4.14	-4.73	-3.82	-2.6	-1.93	-0.93	-0.33	-0.32	0.16	0.97
Long-Term Debt/Equity (%)	51.74	90.35	59.62	55.16	37.5	28.77	93.54	110.12	93.84	69.84
Long-Term Debt/Capital (%)	235.62	212.52	267.05	191.76	208.22	152.08	104.74	104.29	97.73	84.28
Long-Term Debt/Total Assets (%)	7.2	8.93	6.1	5.44	3.71	2.71	7.37	7.73	7.03	5.18
Total Debt/Equity (%)	51.74	90.35	59.62	55.16	37.5	28.77	93.54	110.12	93.84	69.84
Total Debt/Capital (%)	235.62	212.52	267.05	191.76	208.22	152.08	104.74	104.29	97.73	84.28
Total Debt/Total Assets (%)	7.2	8.93	6.1	5.44	3.71	2.71	7.37	7.73	7.03	5.18
CFO/Total Liabilities	1.79	1.31	1.22	0.97	- -	2.25	1.32	0.49	0.89	1.22
CFO/CapEx	3.12	9.42	8.14	4.69	-0.03	11.52	1.83	1.83	2.49	8.27
Altman's Z-Score	-0.01	-0.03	-0.01	0.06	0.07	0.09	0.08	0.06	0.08	0.1

Working Capital (USD)

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	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

Accounts Receivable Turnover	- -	12.05	10.71	10.49	10.82	13.52	13.81	9.25	8.23	9.27
Days Sales Outstanding	- -	30.29	34.06	34.8	33.74	27	26.44	39.47	44.34	39.39
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (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

Market Capitalization	- -	- -	- -	65	60	79	75	61	80	121
- Cash & Cash Equivalents	23	27	28	39	23	46	12	18	22	47
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	38	53	37	38	28	23	72	88	91	79
Enterprise Value	15	25	10	64	65	56	136	131	149	32
Total Capital	16	25	14	20	13	15	69	84	93	94
Total Debt/Capital (%)	235.62	212.52	267.05	191.76	208.22	152.08	104.74	104.29	97.73	84.28
Total Debt / EV	2.56	2.08	3.94	0.59	0.43	0.41	0.53	0.67	0.61	2.5
EV/Sales	0.62	1.1	0.39	2.33	2.19	1.61	3.54	3.64	3.37	0.55
EV/EBITDA	20.45	33.1	13.25	79.69	76.67	59.17	118.61	96.56	101.05	17.96
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.82	3.63	1.42	10.54	- -	3.23	11.37	25.63	13.95	1.84
EV/Free Cash Flow to Firm	1.38	3.28	1.27	8.68	103.76	2.97	7.35	16.57	9.95	1.64
Diluted Market Cap	- -	- -	- -	65	60	79	75	61	80	122
Diluted Enterprise Value	15	25	10	64	65	56	136	131	149	153
EV per Share	7.6	13.04	5.23	33.06	33.37	28.78	68.27	65.79	64.89	12.93
TTM Sales	24	23	25	28	30	35	38	36	44	57
TTM EBITDA	1	1	1	1	1	1	1	1	1	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	8	7	7	6	- -	17	12	5	11	17
TTM Free Cash Flow to Firm	11	8	8	7	1	19	18	8	15	19

Multiples (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

Price/Free Cash Flow	- -	- -	- -	8.79	95.86	4.18	4.08	7.72	5.36	6.31
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	15	25	10	64	65	56	136	131	149	32
Low Price	- -	- -	- -	32.13	23.13	30.83	37.8	29.01	26.5	32.82
EV/Sales	0.62	1.1	0.39	2.33	2.19	1.61	3.54	3.64	3.37	0.55
EV/EBITDA	20.45	33.1	13.25	79.69	76.67	59.17	118.61	96.56	101.05	17.96
Price/Earnings	- -	- -	- -	12.67	15.64	11.2	13.39	23.98	11.55	8.75
Price/Earnings Average	- -	- -	- -	13.02	13.61	10.27	14.09	26.59	9.77	7.55
Price/Earnings High	- -	- -	- -	14.4	17.62	11.48	14.61	30.9	11.88	8.75
Price/Earnings Low	- -	- -	- -	12.17	11.73	8.53	13.39	22.7	8.75	5.8
Price/Book Value	- -	- -	- -	-3.56	-4.13	-10	-22.95	-16.93	37.97	8.22
Price/Book Value Average	- -	- -	- -	-3.66	-3.6	-9.17	-24.15	-18.78	32.12	7.09
Price/Book Value High	- -	- -	- -	-4.05	-4.66	-10.25	-25.04	-21.82	39.06	8.22
Price/Book Value Low	- -	- -	- -	-3.42	-3.1	-7.61	-22.95	-16.03	28.77	5.45
Price/Tangible Book Value	- -	- -	- -	0.94	0.81	0.99	0.97	0.79	0.85	1.09
Price/Tangible Book Value Average	- -	- -	- -	0.97	0.7	0.9	1.02	0.87	0.71	0.94
Price/Tangible Book Value High	- -	- -	- -	1.07	0.91	1.01	1.06	1.01	0.87	1.09
Price/Tangible Book Value Low	- -	- -	- -	0.9	0.6	0.75	0.97	0.75	0.64	0.72
Price/Sales	- -	- -	- -	2.35	2.02	2.27	1.96	1.69	1.82	2.11
Price/Sales Average	- -	- -	- -	2.42	1.76	2.08	2.06	1.88	1.54	1.82
Price/Sales High	- -	- -	- -	2.68	2.28	2.32	2.14	2.18	1.87	2.11
Price/Sales Low	- -	- -	- -	2.26	1.52	1.72	1.96	1.6	1.38	1.4
Price/Cash Flow	- -	- -	- -	10.66	-2,660.48	4.54	6.29	11.94	7.52	7.04
Price/Cash Flow Average	- -	- -	- -	10.95	-2,315.55	4.16	6.62	13.24	6.36	6.07
Price/Cash Flow High	- -	- -	- -	12.11	-2,998.76	4.66	6.86	15.39	7.73	7.04
Price/Cash Flow Low	- -	- -	- -	10.24	-1,996.01	3.46	6.29	11.3	5.7	4.67
Price/Free Cash Flow Average	- -	- -	- -	9.03	83.43	3.83	4.29	8.56	4.54	5.44
Price/Free Cash Flow High	- -	- -	- -	9.98	108.05	4.28	4.45	9.95	5.51	6.31
Price/Free Cash Flow Low	- -	- -	- -	8.44	71.92	3.18	4.08	7.31	4.06	4.18
EV/Sales Average	0.62	1.1	0.39	2.39	1.92	1.42	3.64	3.82	3.09	2.38
EV/Sales High	0.62	1.1	0.39	2.65	2.44	1.67	3.71	4.12	3.42	2.67
EV/Sales Low	0.62	1.1	0.39	2.23	1.68	1.07	3.54	3.55	2.93	1.96
EV/EBITDA Average	20.45	33.1	13.25	81.91	67.48	52.24	122.04	101.46	92.65	77.44
EV/EBITDA High	20.45	33.1	13.25	90.66	85.67	61.23	124.57	109.54	102.6	86.89
EV/EBITDA Low	20.45	33.1	13.25	76.51	58.98	39.29	118.61	94.15	87.84	63.71
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	33.45	30.83	40.5	37.8	30.65	34.98	49.49
High Price	- -	- -	- -	38	34.75	41.5	41.23	39.5	35.98	49.5
Enterprise Value Average	15	25	10	66	57	50	140	138	136	136
Enterprise Value High	15	25	10	73	72	58	143	149	151	153
Enterprise Value Low	15	25	10	62	50	37	136	128	129	112

Shares Outstanding	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2
Revenue per Share	12.18	11.87	13.47	14.21	15.26	17.87	19.3	18.1	19.26	23.44
EBITDA per Share	0.37	0.39	0.39	0.41	0.44	0.49	0.58	0.68	0.64	0.72
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	4.73	- -	- -	- -	0.25	0.5	0.5	0.53	0.5
Cash Flow per Share	4.17	3.59	3.68	3.14	-0.01	8.91	6.01	2.57	4.65	7.03
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
Cash & Equivalents per Share	11.83	14.08	15.36	20.01	11.81	23.55	5.95	8.85	9.67	68.82
Book Value per Share	-11.19	-14.36	-12.88	-9.39	-7.46	-4.05	-1.65	-1.81	0.92	6.02
Tangible Book Value per Share	37.55	30.02	34.54	35.57	38.27	41.1	38.93	38.94	41.39	45.54

White River Bancshares Co.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)