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White River Bancshares CoWRIV 64 ROA % is 1.02% as of Jun. 2026, which is 59% above its 10-year median of 0.64. 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. Among 1,528 Banks companies, White River Bancshares Co ranks better than 50.2% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. White River Bancshares Co's annualizedNet Income for the quarter that ended in Jun. 2026 was $16.68 Mil.
White River Bancshares Co's average Total Assets over the quarter that ended in Jun. 2026 was $1,630.35 Mil. Therefore, White River Bancshares Co's annualized ROA % for the quarter that ended in Jun. 2026 was 1.02%.
The historical rank and industry rank for White River Bancshares Co's ROA % or its related term are showing as below:
WRIV'
s ROA % Range Over the Past 10 Years
Min: 0.24 Med: 0.64 Max: 1
Current: 1
During the past 10 years, White River Bancshares Co's highest ROA % was 1.00%. The lowest was 0.24%. And the median was 0.64%.
WRIV's ROA % is ranked better than 50.2% of 1528
companies
in the Banks industry
Industry Median: 1
vs WRIV: 1.00
White River Bancshares Co (OTCPK:WRIV) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, White River Bancshares Co's ROA % distribution charts can be found below:
* The bar in red indicates where White River Bancshares Co's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
White River Bancshares Co (WRIV) has a ROA % of 1.02% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on White River Bancshares Co and its competitors. This is 59% above median its historical median of 0.64. Over the past decade, White River Bancshares Co's ROA % has ranged from 0.24 to 1.00. According to the industry distribution chart, White River Bancshares Co ranks #761 out of 1528 companies in the Banks industry, placing it in the top 49.8%.
Is White River Bancshares Co's ROA % too high?
White River Bancshares Co's current ROA % of 1.02% is 59% above median its 10-year median of 0.64. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 1.00. The Banks industry median ROA % is 1.00. White River Bancshares Co's value of 1.02% is 2% above this industry median. Based on the distribution chart, White River Bancshares Co ranks #761 out of 1528 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 ROA % compare to SLBK and DIMC?
According to the Banks industry distribution chart, White River Bancshares Co ranks #761 out of 1528 companies for ROA %. This puts White River Bancshares Co in the upper half of its industry. The industry median ROA % is 1.00. White River Bancshares Co's value of 1.02% is 2% above this benchmark. Historically, White River Bancshares Co's own ROA % has ranged from 0.24 to 1.00 over the past decade. While the company's 10-year median is 0.64 vs. the industry median of 1.00, White River Bancshares Co has consistently been above 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. White River Bancshares Co's current ROA % of 1.02% is 2% above 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on White River Bancshares Co and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. White River Bancshares Co's current ROA % is 1.02%, which is 59% above median its own 10-year median of 0.64. 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 ROA % is 1.02%, which is 59% above median its 10-year median of 0.64 and 2% above the Banks industry median of 1.00. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For White River Bancshares Co (WRIV), the current ROA % is 1.02% 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:
ROA %: 1.02% (59% above median its 10-year median of 0.64)
GF Value™: $51.52 vs. price of $64.38 (25% above fair value)
Industry Position: 2% above the Banks median (#761 of 1528)
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
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