WRIV (White River Bancshares Co) ROE % Adjusted to Book Value: 12.67% (As of Jun. 2026)

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WRIV White River Bancshares Co WRIV
64 GF Score
Price $64.38
GF Value $51.52
Valuation Modestly Overvalued
! 5 Warning Signs
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What is White River Bancshares Co ROE % Adjusted to Book Value?

White River Bancshares Co WRIV 64 ROE % Adjusted to Book Value is 12.67% 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.

White River Bancshares Co's ROE % for the quarter that ended in Jun. 2026 was 14.32%. White River Bancshares Co's PB Ratio for the quarter that ended in Jun. 2026 was 1.13. White River Bancshares Co's ROE % Adjusted to Book Value for the quarter that ended in Jun. 2026 was 12.67%.


White River Bancshares Co ROE % Adjusted to Book Value Related Terms


White River Bancshares Co ROE % Adjusted to Book Value Historical Data

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The historical data trend for White River Bancshares Co's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

White River Bancshares Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.14 7.35 4.26 8.84 12.34

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
ROE % Adjusted to Book Value 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 13.00 12.92 14.76 10.61 12.67

WRIV vs SLBK, DIMC, AMBK: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, White River Bancshares Co's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, White River Bancshares Co's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where White River Bancshares Co's ROE % Adjusted to Book Value falls into.


WRIV
64GF Score
White River Bancshares Co WRIV
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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White River Bancshares Co ROE % Adjusted to Book Value Calculation

White River Bancshares Co's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.20% / 1.07
=12.34%

White River Bancshares Co's ROE % Adjusted to Book Value for the quarter that ended in Jun. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.32% / 1.13
=12.67%

* 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.

What does a ROE % Adjusted to Book Value of 12.67% mean?
White River Bancshares Co (WRIV) has a ROE % Adjusted to Book Value of 12.67% as of Jun. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on White River Bancshares Co and its competitors.
Is White River Bancshares Co's ROE % Adjusted to Book Value too high?
White River Bancshares Co's current ROE % Adjusted to Book Value is 12.67%. 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 ROE % Adjusted to Book Value compare to SLBK and DIMC?
White River Bancshares Co's ROE % Adjusted to Book Value of 12.67% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on White River Bancshares Co and its competitors. White River Bancshares Co's current ROE % Adjusted to Book Value is 12.67%. 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 ROE % Adjusted to Book Value is 12.67%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For White River Bancshares Co (WRIV), the current ROE % Adjusted to Book Value is 12.67% 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:

  • ROE % Adjusted to Book Value: 12.67%
  • 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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$64.38
Price
$51.52
GF Value