American Riviera Bank (ARBV)

OTHER OTC:ARBV

ARBV

American Riviera Bank

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American Riviera Bank (ARBV) Price & Analysis

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ARBV Stock Chart & Stats

$21.20

-$0.12(-0.61%)

At close: Jan 07 4:00 PM EST

$21.20

-$0.12(-0.61%)

Day’s Range― - ―

52-Week Range$18.77 - $28.28

Previous CloseN/A

Volume2.70K

Average Volume (3M)2.00K

Market Cap

$149.13M

Enterprise Value$108.92M

Total Cash (Recent Filing)$190.20M

Total Debt (Recent Filing)$38.50M

Price to Earnings (P/E)10.6

Beta0.15

Next Earnings

Jul 23, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)1.57

Shares Outstanding5,821,001

10 Day Avg. Volume642

30 Day Avg. Volume2,002

Financial Highlights & Ratios

PEG Ratio0.24

Price to Book (P/B)1.07

Price to Sales (P/S)1.98

P/FCF Ratio14.88

Enterprise Value/Market Cap0.73

Enterprise Value/Revenue1.67

Enterprise Value/Gross Profit2.38

Enterprise Value/Ebitda8.61

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Stronger CapitalizationMaterial deleveraging through 2025 meaningfully improved solvency and funding flexibility. A lower debt-to-equity ratio reduces refinancing and interest-rate sensitivity, supporting capacity to withstand credit stress and fund lending growth over the next several quarters.

Improved ProfitabilityA notable pickup in net margin to ~18% in 2025 reflects better interest spread and expense control, increasing core earnings power. Sustained higher margins support internal capital build, dividend capacity and reinvestment into credit and deposit initiatives over a multi-quarter horizon.

Positive Cash GenerationConsistent positive operating and free cash flow in 2025 demonstrates the bank's ability to convert earnings into cash. Historical strong FCF conversion supports balance sheet strengthening and organic growth financing, reducing dependence on external funding over time.

Bears Say

Historical Leverage VolatilityPrior large swings in leverage show management or funding strategy can materially change the balance sheet. That variability raises execution risk: capital and risk posture could shift quickly, complicating forecasting and exposing the franchise to cyclical stress.

Uneven Growth And Margin VolatilityIntermittent revenue declines and volatile margins indicate earnings are sensitive to cyclical loan mix and interest-rate dynamics. This uneven performance reduces predictability of earnings and complicates planning for sustained credit provisioning and dividend policies.

Small Scale And Low LiquidityVery small operating scale and low trading volume constrain economies of scale, limit product breadth and reduce access to capital markets. These structural size limits can make competitive investments, deposit diversification, and rapid growth initiatives harder to execute reliably.

ARBV FAQ

What was American Riviera Bank’s price range in the past 12 months?

American Riviera Bank lowest stock price was $18.77 and its highest was $28.28 in the past 12 months.

What is American Riviera Bank’s market cap?

American Riviera Bank’s market cap is $149.13M.

When is American Riviera Bank’s upcoming earnings report date?

American Riviera Bank’s upcoming earnings report date is Jul 23, 2026 which is in 49 days.

How were American Riviera Bank’s earnings last quarter?

American Riviera Bank released its earnings results on Apr 23, 2026. The company reported $0.688 earnings per share for the quarter, beating the consensus estimate of N/A by $0.688.

Is American Riviera Bank overvalued?

According to Wall Street analysts American Riviera Bank’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does American Riviera Bank pay dividends?

American Riviera Bank does not currently pay dividends.

What is American Riviera Bank’s EPS estimate?

American Riviera Bank’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does American Riviera Bank have?

American Riviera Bank has 5,821,001 shares outstanding.

What happened to American Riviera Bank’s price movement after its last earnings report?

American Riviera Bank reported an EPS of $0.688 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 4.465%.

Which hedge fund is a major shareholder of American Riviera Bank?

Currently, no hedge funds are holding shares in ARBV

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

American Riviera Bank Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

10.32%

Trailing 12-Months

Asset Growth

6.63%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

American Riviera Bank

American Riviera Bancorp provides a range of community banking products and services for businesses and consumers in California. The company offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides various loan products, such as overdraft protection, auto, boat/airplane, term, business acquisition/partner buyout, equipment, agriculture, standby letter of credit, mortgage, commercial real estate, special purpose, single family residence, home improvement, commercial, multi-family, condominium, and land loans; and bridge/temporary financing and loans to trusts, as well as asset-based, home equity, and other lines of credit. In addition, the company offers online banking, mobile banking and deposit, remote deposit capture, wire transfer, merchant, payroll, and ATM services, as well as safe deposit boxes, and debit and credit cards. It operates full-service branches located in Santa Barbara, Montecito, Goleta, San Luis Obispo, and Paso Robles. The company was founded in 2006 and is headquartered in Santa Barbara, California.