Stock fact sheet · data as of
White River Bancshares Co. (WRIV): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is WRIV undervalued?
WRIV closed at 32.65 on 16 Oct 2026 against a GLS average fair value of 31.33 - 4.2% above fair value, which our screens read as "fairly priced". 5 of 9 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
The 9 models disagree widely: DDM gives 3.68 while 10 Cap gives 67.66. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files WRIV under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for WRIV
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 15.74 | -52% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 41.56 | +27% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 51.17 | +57% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 12.69 | -61% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 9.28 | -72% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 67.66 | +107% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 44.97 | +38% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 3.68 | -89% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 35.24 | +8% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -278.55 | -953% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health WRIV scores 8/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 5.7 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 7.2%, ROE 12.2%, ROA 0.9% - with debt at 0.70 times equity and a free-cash-flow yield of 7.2%.
The dividend yield is 0.77% with a payout ratio of 8% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 7.2% |
|---|---|---|---|
| GLS Moat | 5.7 / 10 | ROE | 12.2% |
| Debt / equity | 0.70 | ROA | 0.9% |
| Free-cash-flow yield | 7.2% | Payout ratio | 8% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
WRIV has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $159M, with a beta of 0.11 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 11 / 25 | -4% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 9 / 15 | moat 5.7/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $159M cap, beta 0.11 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for WRIV in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to White River Bancshares Co. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| STLE Steele Bancorp Inc. | 46.66 | 205.00 | +77% | 39No options | $159M |
| TYCB Calvin B. Taylor Bankshares, Inc. | 60.00 | 139.25 | +57% | 39No options | $158M |
| EMYB Embassy Bancorp, Inc. | 21.34 | 38.11 | +44% | 39No options | $158M |
| CNBW CNB Corp. | 97.00 | 50.41 | -92% | 24No options | $161M |
| SLBK Skyline Bankshares, Inc. | 28.69 | 68.60 | +58% | 39No options | $163M |
| DIMC Dimeco, Inc. | 64.03 | 135.90 | +53% | 39No options | $163M |
| BKGM BankGuam Holding Co. | 9,000.00 | 32,944.53 | +73% | 39No options | $164M |
| MNAT Marquette National Corporation | 37.30 | 73.23 | +49% | 39No options | $164M |
| ARBV American Riviera Bancorp | 28.49 | 28.44 | -0% | 37No options | $164M |
| SFIGA STAR Financial Group, Inc. | 59.58 | 196.21 | +70% | 39No options | $165M |
| EBMT Eagle Bancorp Montana, Inc. | 20.68 | 26.35 | +22% | 39No options | $165M |
| AMBK American Bank Incorporated | 24.23 | 26.35 | +8% | 38No options | $154M |
⚖ Compare WRIV with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about WRIV
Is WRIV undervalued right now?
Not meaningfully: at 32.65 the stock trades within a few percent of the GLS average fair value of 31.33 (4.2% above fair value, data as of 16 Oct 2026).
What is the Wheel Score of WRIV and what does it mean?
WRIV has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for WRIV?
31.33 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does White River Bancshares Co. report earnings next?
No upcoming earnings date is recorded for WRIV in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does WRIV have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on WRIV, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.