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White River Bancshares CoWRIV -0.39%60 Equity-to-Asset is 0.07 as of Jun. 2026, which is 22% below its 10-year median of 0.09. GuruFocus rates WRIV with a GF Score™ of 60/100 and a GF Value™ of $51.82 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, White River Bancshares Co ranks worse than 76.66% on this metric.
White River Bancshares Co (OTCPK:WRIV) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
White River Bancshares Co Equity-to-Asset Related Terms
White River Bancshares Co Equity-to-Asset Historical Data
* 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.
WRIV vs SLBK, DIMC, AMBK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, White River Bancshares Co's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, White River Bancshares Co's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where White River Bancshares Co's Equity-to-Asset falls into.
White River Bancshares Co Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
White River Bancshares Co's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (WRIV) has a Equity-to-Asset of 0.07 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on White River Bancshares Co and its competitors. This is 22% below median its historical median of 0.09. Over the past decade, White River Bancshares Co's Equity-to-Asset has ranged from 0.07 to 0.14. According to the industry distribution chart, White River Bancshares Co ranks #1169 out of 1525 companies in the Banks industry, placing it in the top 76.7%.
Is White River Bancshares Co's Equity-to-Asset too high?
White River Bancshares Co's current Equity-to-Asset of 0.07 is 22% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. White River Bancshares Co's value of 0.07 is 30% below this industry median. Based on the distribution chart, White River Bancshares Co ranks #1169 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, White River Bancshares Co has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does White River Bancshares Co's Equity-to-Asset compare to SLBK and DIMC?
According to the Banks industry distribution chart, White River Bancshares Co ranks #1169 out of 1525 companies for Equity-to-Asset. This places White River Bancshares Co in the lower half of its industry. The industry median Equity-to-Asset is 0.10. White River Bancshares Co's value of 0.07 is 30% below this benchmark. Historically, White River Bancshares Co's own Equity-to-Asset has ranged from 0.07 to 0.14 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, White River Bancshares Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. White River Bancshares Co's current Equity-to-Asset of 0.07 is 30% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on White River Bancshares Co and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. White River Bancshares Co's current Equity-to-Asset is 0.07, which is 22% below median its own 10-year median of 0.09. 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 $51.82, compared to a current price of $63.25 — trading 22.1% above its estimated fair value. The current Equity-to-Asset is 0.07, which is 22% below median its 10-year median of 0.09 and 30% below the Banks industry median of 0.10. White River Bancshares Co's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For White River Bancshares Co (WRIV), the current Equity-to-Asset is 0.07 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 $63.25 is trading 22.1% above its estimated GF Value™ of $51.82.
GuruFocus considers White River Bancshares Co to be Modestly Overvalued.
Key valuation signals for WRIV:
Equity-to-Asset: 0.07 (22% below median its 10-year median of 0.09)
GF Value™: $51.82 vs. price of $63.25 (22.1% above fair value)
Industry Position: 30% below the Banks median (#1169 of 1525)
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 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.
60GF Score
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