White River Bancshares Co
White River Bancshares Company operates as the bank holding company for Signature Bank of Arkansas that provides financial services to small businesses, families, and farms. The company offers personal savings, money market, young investors, health savings, and individual retirement accounts, as well as small business, commercial, and business interest checking accounts. It also provides personal… Read more
White River Bancshares Co (WRIV) - Net Assets
Latest net assets as of December 2025: $112.91 Million USD
Based on the latest financial reports, White River Bancshares Co (WRIV) has net assets worth $112.91 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.52 Billion) and total liabilities ($1.41 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $112.91 Million |
| % of Total Assets | 7.41% |
| Annual Growth Rate | 4.92% |
| 5-Year Change | 52.15% |
| 10-Year Change | N/A |
| Growth Volatility | 16.17 |
White River Bancshares Co - Net Assets Trend (2016–2025)
This chart illustrates how White River Bancshares Co's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for White River Bancshares Co (2016–2025)
The table below shows the annual net assets of White River Bancshares Co from 2016 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $112.91 Million | +41.94% |
| 2023-12-31 | $79.55 Million | +2.68% |
| 2022-12-31 | $77.47 Million | -3.35% |
| 2021-12-31 | $80.15 Million | +8.00% |
| 2020-12-31 | $74.21 Million | +7.11% |
| 2019-12-31 | $69.29 Million | +10.29% |
| 2018-12-31 | $62.83 Million | +7.33% |
| 2017-12-31 | $58.54 Million | -20.09% |
| 2016-12-31 | $73.26 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to White River Bancshares Co's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3651368700.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $14.69 Million | 13.01% |
| Other Components | $98.23 Million | 86.99% |
| Total Equity | $112.91 Million | 100.00% |
White River Bancshares Co Competitors by Market Cap
The table below lists competitors of White River Bancshares Co ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
NISOURCE - Dusseldorf Stock Exchang
DU:NOU
|
$382.15K |
|
Kinden Corporation
F:109
|
$382.35K |
|
Hulamin
JSE:HLM
|
$383.04K |
|
Energy Management International Inc
PINK:ENMI
|
$383.13K |
|
CRYOLIFE
BE:CYL
|
$381.48K |
|
FLUOR (NEW) - Dusseldorf Stock Exchang
DU:FLU
|
$381.27K |
|
TOURMALINE OIL
BE:08T
|
$381.02K |
|
Germina Agribusiness SA
RO:SEOM
|
$380.77K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in White River Bancshares Co's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2025, total equity changed from 79,548,823 to 112,914,539, a change of 33,365,716 (41.9%).
- Net income of 13,827,727 contributed positively to equity growth.
- Other factors increased equity by 19,537,989.
Equity Change Factors (2023 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $13.83 Million | +12.25% |
| Other Changes | $19.54 Million | +17.3% |
| Total Change | $- | 41.94% |
Book Value vs Market Value Analysis
This analysis compares White River Bancshares Co's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.85x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.65x to 0.85x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | $60.04 | $39.25 | x |
| 2018-12-31 | $64.43 | $39.25 | x |
| 2019-12-31 | $71.43 | $39.25 | x |
| 2020-12-31 | $38.29 | $39.25 | x |
| 2021-12-31 | $40.39 | $39.25 | x |
| 2022-12-31 | $38.82 | $39.25 | x |
| 2023-12-31 | $40.10 | $39.25 | x |
| 2025-12-31 | $46.39 | $39.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently White River Bancshares Co utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.25%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 24.14%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 13.49x
- Recent ROE (12.25%) is above the historical average (6.82%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | 4.82% | 14.86% | 0.05x | 7.19x | $-3.80 Million |
| 2017 | 5.19% | 13.12% | 0.04x | 10.12x | $-2.82 Million |
| 2018 | 7.27% | 18.65% | 0.04x | 9.77x | $-1.71 Million |
| 2019 | 7.42% | 18.58% | 0.04x | 10.13x | $-1.79 Million |
| 2020 | 5.15% | 12.92% | 0.04x | 10.11x | $-3.60 Million |
| 2021 | 8.80% | 20.23% | 0.04x | 10.63x | $-964.46K |
| 2022 | 7.25% | 14.62% | 0.04x | 12.69x | $-2.13 Million |
| 2023 | 3.20% | 7.06% | 0.03x | 14.24x | $-5.41 Million |
| 2025 | 12.25% | 24.14% | 0.04x | 13.49x | $2.54 Million |
Industry Comparison
This section compares White River Bancshares Co's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| White River Bancshares Co (WRIV) | $112.91 Million | 4.82% | 12.49x | $381.90K |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |