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.
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.
White River Bancshares CoWRIV 64 PS Ratio is 2.54 as of Aug. 01, 2026, which is 20% above its 10-year median of 2.12. GuruFocus rates WRIV with a GF Score™ of 64/100 and a GF Value™ of $51.53 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,516 Banks companies, White River Bancshares Co ranks better than 62.8% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, White River Bancshares Co's share price is $64.382.
White River Bancshares Co's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was $25.38. Hence, White River Bancshares Co's PS Ratio for today is 2.54.
Warning Sign:
White River Bancshares Co stock PS Ratio (=2.54) is close to 5-year high of 2.54.
The historical rank and industry rank for White River Bancshares Co's PS Ratio or its related term are showing as below:
WRIV'
s PS Ratio Range Over the Past 10 Years
Min: 1.41 Med: 2.12 Max: 3.01
Current: 2.54
During the past 10 years, White River Bancshares Co's highest PS Ratio was 3.01. The lowest was 1.41. And the median was 2.12.
WRIV's PS Ratio is ranked better than 62.8% of 1516
companies
in the Banks industry
Industry Median: 3.06
vs WRIV: 2.54
During the past 10 years, White River Bancshares Co's highest 3-Year average Revenue per Share Growth Rate was 12.10% per year. The lowest was 2.50% per year. And the median was 6.60% per year.
White River Bancshares Co (OTCPK:WRIV) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
White River Bancshares Co PS Ratio Related Terms
White River Bancshares Co PS Ratio 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.
For the Banks - Regional subindustry, White River Bancshares Co's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, White River Bancshares Co's PS Ratio distribution charts can be found below:
* The bar in red indicates where White River Bancshares Co's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
White River Bancshares Co's Share Price of today is $64.382. White River Bancshares Co's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $25.38.
* 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.
It can also be calculated from the numbers for the whole company:
White River Bancshares Co (WRIV) has a PS Ratio of 2.54 as of Aug. 01, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on White River Bancshares Co and its competitors. This is 20% above median its historical median of 2.12. Over the past decade, White River Bancshares Co's PS Ratio has ranged from 1.41 to 3.01. According to the industry distribution chart, White River Bancshares Co ranks #564 out of 1516 companies in the Banks industry, placing it in the top 37.2%.
Is White River Bancshares Co's PS Ratio too high?
White River Bancshares Co's current PS Ratio of 2.54 is 20% above median its 10-year median of 2.12. Over the past 10 years, this metric has ranged from a low of 1.41 to a high of 3.01. The Banks industry median PS Ratio is 3.06. White River Bancshares Co's value of 2.54 is 17% below this industry median. Based on the distribution chart, White River Bancshares Co ranks #564 out of 1516 companies in the Banks industry, which is above the industry midpoint. 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 PS Ratio compare to SLBK and DIMC?
According to the Banks industry distribution chart, White River Bancshares Co ranks #564 out of 1516 companies for PS Ratio. This puts White River Bancshares Co in the upper half of its industry. The industry median PS Ratio is 3.06. White River Bancshares Co's value of 2.54 is 17% below this benchmark. Historically, White River Bancshares Co's own PS Ratio has ranged from 1.41 to 3.01 over the past decade. While the company's 10-year median is 2.12 vs. the industry median of 3.06, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. White River Bancshares Co's current PS Ratio of 2.54 is 17% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on White River Bancshares Co and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. White River Bancshares Co's current PS Ratio is 2.54, which is 20% above median its own 10-year median of 2.12. 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 $51.53, compared to a current price of $64.38 — trading 24.9% above its estimated fair value. The current PS Ratio is 2.54, which is 20% above median its 10-year median of 2.12 and 17% below the Banks industry median of 3.06. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For White River Bancshares Co (WRIV), the current PS Ratio is 2.54 as of Aug. 01, 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 24.9% above its estimated GF Value™ of $51.53.
GuruFocus considers White River Bancshares Co to be Modestly Overvalued.
Key valuation signals for WRIV:
PS Ratio: 2.54 (20% above median its 10-year median of 2.12)
GF Value™: $51.53 vs. price of $64.38 (24.9% above fair value)
Industry Position: 17% below the Banks median (#564 of 1516)
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.
64GF Score
Get the complete analysis for WRIV
PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WRIV has been successfully added to your 
