WRIV (White River Bancshares Co) E10: $3.07 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

WRIV White River Bancshares Co WRIV
64 GF Score
Price $64.38
GF Value $51.52
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is White River Bancshares Co E10?

White River Bancshares Co WRIV 64 E10 is $3.07 as of Jun. 2026. GuruFocus rates WRIV with a GF Score™ of 64/100 and a GF Value™ of $51.52 (Modestly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

White River Bancshares Co's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was $5.630. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.07 for the trailing ten years ended in Dec. 2025.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-31), White River Bancshares Co's current stock price is $ 64.382. White River Bancshares Co's E10 for the fiscal year that ended in Dec. 2025 was $3.07. White River Bancshares Co's Shiller PE Ratio of today is 20.97.

During the past 10 years, the highest Shiller PE Ratio of White River Bancshares Co was 20.98. The lowest was 16.12. And the median was 17.41.


White River Bancshares Co  (OTCPK:WRIV) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

White River Bancshares Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=64.382/3.07
=20.97

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 10 years, the highest Shiller P/E Ratio of White River Bancshares Co was 20.98. The lowest was 16.12. And the median was 17.41.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


White River Bancshares Co E10 Related Terms


White River Bancshares Co E10 Historical Data

* Premium members only.

The historical data trend for White River Bancshares Co's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

White River Bancshares Co E10 Chart

White River Bancshares Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 3.07

White River Bancshares Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 3.07 0.00 0.00

WRIV vs SLBK, DIMC, AMBK: E10 Comparison

For the Banks - Regional subindustry, White River Bancshares Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


White River Bancshares Co Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, White River Bancshares Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where White River Bancshares Co's Shiller PE Ratio falls into.


WRIV
64GF Score
White River Bancshares Co WRIV
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

White River Bancshares Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, White River Bancshares Co's adjusted earnings per share data for the fiscal year that ended in Dec. 2025 was:

Adj_EPS=Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=5.63/324.0540*324.0540
=5.630

Current CPI (Dec. 2025) = 324.0540.

White River Bancshares Co Annual Data

per_share_eps CPI Adj_EPS
201612 1.810 241.432 2.429
201712 1.557 246.524 2.047
201812 2.370 251.233 3.057
201912 2.640 256.974 3.329
202012 1.970 260.474 2.451
202112 3.615 278.802 4.202
202212 2.815 296.797 3.074
202312 1.280 306.746 1.352
202412 3.030 315.605 3.111
202512 5.630 324.054 5.630

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $3.07 mean?
White River Bancshares Co (WRIV) has a E10 of $3.07 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on White River Bancshares Co and its competitors.
Is White River Bancshares Co's E10 too high?
White River Bancshares Co's current E10 is $3.07. Overall, White River Bancshares Co has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does White River Bancshares Co's E10 compare to SLBK and DIMC?
White River Bancshares Co's E10 of $3.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on White River Bancshares Co and its competitors. White River Bancshares Co's current E10 is $3.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is White River Bancshares Co stock overvalued right now?
Based on GuruFocus' analysis, White River Bancshares Co (WRIV) is currently considered Modestly Overvalued. The stock's GF Value™ is $51.52, compared to a current price of $64.38 — trading 25% above its estimated fair value. The current E10 is $3.07. White River Bancshares Co's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For White River Bancshares Co (WRIV), the current E10 is $3.07 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is White River Bancshares Co (WRIV) Overvalued in 2026?

Based on GuruFocus' analysis, White River Bancshares Co stock appears to be overvalued. The current stock price of $64.38 is trading 25% above its estimated GF Value™ of $51.52. GuruFocus considers White River Bancshares Co to be Modestly Overvalued.

Key valuation signals for WRIV:

  • E10: $3.07
  • GF Value™: $51.52 vs. price of $64.38 (25% above fair value)
  • GF Score™: 64/100 with 5 warning signs

No single metric tells the full story. See the WRIV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


White River Bancshares Co Business Description

Address 3878 North Crossover Road, P. O. Box 8550, Suite 20, Fayetteville, AR, USA, 72703
White River Bancshares Co is a bank holding company. Through its subsidiary, it is engaged in providing a full range of financial services to individuals and commercial customers in Washington, Benton, Monroe, and Boone Counties in Arkansas. The Bank's primary deposit products are demand deposit accounts and certificates of deposit. Its primary lending products are real estate and commercial loans. The company portfolio segments includes Real Estate, Commercial and Industrial, Consumer, and Agricultural Production.
64GF Score

Get the complete analysis for WRIV

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$64.38
Price
$51.52
GF Value