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American Riviera Bancorp ARBV OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

American Riviera Bancorp (ARBV) is a Banks - Regional company in the Financial Services sector, currently trading at $24.70. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $69M, +12.7%/yr average growth. Net income is $12M, growing at +1.1%/yr. Net profit margin is 18% (healthy). Gross margin is 72.9% (-27.1 pp trend).

Balance sheet: total debt is $27M against $128M equity (Debt-to-Equity (D/E) ratio 0.21, conservative). Current ratio is 0.16 (tight liquidity). Debt-to-assets is 1.9%. Total assets: $1.4B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 63/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).

ARBV SharesGrow Score Overview

67/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 63/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — ARBV

ARBV trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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ARBV: +12.7%/yr revenue is, +1.1%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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ARBV: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet ARBV: Debt-to-Equity (D/E) ratio 0.21 (conservative), Current ratio is 0.16 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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ARBV: Gross margin is 72.9% (-27.1 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

ARBV: Net profit margin is 18%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range17.6-28.28

Volume1.5K

Avg Volume (30D)1.65K

Market Cap$141.11M

Beta (1Y)0.42

Share Statistics

EPS (TTM)2.18

Shares Outstanding$5.71M

IPO Date2006-09-27

Employees15

CEOJeffrey DeVine

Financial Highlights & Ratios

Revenue (TTM)$69.08M

Gross Profit$50.39M

EBITDA$16.08M

Net Income$12.45M

Operating Income$16.08M

Total Cash$191.19M

Total Debt$26.5M

Net Debt$5.11M

Total Assets$1.37B

Price / Earnings (P/E)11.3

Price / Sales (P/S)2.04

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS02933K1034

Price Chart

ARBV

American Riviera Bancorp ↗ · Other OTC

Financial Services • Banks - Regional

17.60 52WK RANGE 28.28

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