OTCPK:WRIV

Stock Analysis Report

White River Bancshares Co

Executive Summary

White River Bancshares Co, through its subsidiary Signature Bank of Arkansas, offers personal and commercial banking services.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

How has White River Bancshares Co's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.08%

WRIV

1.4%

US Banks

1.0%

US Market


1 Year Return

n/a

WRIV

0.2%

US Banks

6.7%

US Market

Return vs Industry: Insufficient data to determine how WRIV performed against the US Banks industry.

Return vs Market: Insufficient data to determine how WRIV performed against the US Market.


Share holder returns

WRIVIndustryMarket
7 Day0.08%1.4%1.0%
30 Day2.0%-2.6%-1.8%
90 Day0.5%0.8%-1.8%
1 Yearn/a3.1%0.2%9.1%6.7%
3 Yearn/a52.0%41.5%46.0%36.6%
5 Yearn/a69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

How volatile is White River Bancshares Co's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is White River Bancshares Co undervalued based on future cash flows and its price relative to the stock market?


In this section, we usually try to help investors determine whether White River Bancshares Co is trading at an attractive price based on the cash flow it is expected to produce in the future. But as White River Bancshares Co has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of WRIV’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through White River Bancshares Co regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is White River Bancshares Co expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.3%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as White River Bancshares Co has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of WRIV’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access White River Bancshares Co's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has White River Bancshares Co performed over the past 5 years?

15.5%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, White River Bancshares Co has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is White River Bancshares Co's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse White River Bancshares Co's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. White River Bancshares Co has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of WRIV’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when White River Bancshares Co's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is White River Bancshares Co's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: Unable to evaluate WRIV's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate WRIV's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if WRIV's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if WRIV's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of WRIV's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of White River Bancshares Co's salary, the management and board of directors tenure and is there insider trading?

0.4yrs

Average management tenure


CEO

Gary Head 0

0yrs

Tenure

0

Mr. Gary R. Head serves as the Chief Executive Officer and President at Signature Bank of Arkansas and White River Bancshares Co. He serves as Chairman of Signature Bank of Arkansas and White River Bancsha ...


Management Age and Tenure

0.4yrs

Average Tenure

Experienced Management: WRIV's management team is not considered experienced ( 0.4 years average tenure), which suggests a new team.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Gary Head

    President & CEO

    • Tenure: 0yrs
  • Russell Nugent

    Treasurer & CFO

    • Tenure: 8.8yrs
  • Danny Lewis

    Secretary & CLO

    • Tenure: 0yrs
  • Scott Sandlin

    Chief Strategy Officer

    • Tenure: 0.4yrs
  • Knight Weis

    President of Roger Branch

    • Tenure: 0.4yrs
  • Jason Kaczor

    Chief Administrative Officer

    • Tenure: 0yrs
  • Alexandria Gladden

    Market President of Springdale

    • Tenure: 0.4yrs
  • Jason Orlicek

    Senior VP & Loan Manager for Springdale

    • Tenure: 0.4yrs

Board Members

  • Gary Head

    President & CEO

    • Tenure: 0yrs
  • John Dominick

    Director

    • Tenure: 0yrs
  • Greg Lee

    Director

    • Tenure: 0yrs
  • Matt Duffy

    Vice Chairman of the Board

    • Tenure: 0yrs
  • M. Simmons

    Director

    • Tenure: 0yrs
  • Kevin Kooman

    Director

    • Tenure: 2.8yrs

Company Information

White River Bancshares Co's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: White River Bancshares Co
  • Ticker: WRIV
  • Exchange: OTCPK
  • Founded: 2007
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$0
  • Shares outstanding: 0
  • Website: https://www.sbofa.com

Location

  • White River Bancshares Co
  • 3878 North Crossover Road
  • Suite 20
  • Fayetteville
  • Arkansas
  • 72703
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
WRIVOTCPK (Pink Sheets LLC)YesCommon StockUSUSDNov 2018

Biography

White River Bancshares Co, through its subsidiary Signature Bank of Arkansas, offers personal and commercial banking services. The company was founded in 2007 and is based in Fayetteville, Arkansas. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 03:29
End of Day Share Price2019/10/11 00:00
EarningsN/A
Annual EarningsN/A


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

© 2018 SIMPLY WALL STREET PTY LTD, COMMUNITY DESIGN 2845206, US DESIGN PATENT #29/544/281, EUROPEAN DESIGN REGISTRATION #2845206, STANDARD & POOR’S FINANCIAL SERVICES LLC. ALL RIGHTS RESERVED.

Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.

Copyright © 2018, Standard & Poor’s Financial Services LLC. Reproduction of S&P Capital IQ in any form is prohibited except with the prior written permission of S&P. S&P does not guarantee the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions, regardless of the cause or for the results obtained from the use of such information. S&P DISCLAIMS ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall S&P be liable for any direct, indirect, special or consequential damages, costs, expenses, legal fees, or losses (including lost income or lost profit and opportunity costs) in connection with subscriber’s or others’ use of S&P Capital IQ. (2018)