American Riviera Bank (ARBV) AI Stock Analysis

• Market Cap: $151.58M
• Dividend Yield: N/A
• Average Volume (3M): 2.00K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 0.15
• Revenue Growth: 9.42%
• EPS Growth: 60.79%
• Country: US
• Employees: 15
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.57
• Shares Outstanding: 5,821,001
• 10 Day Avg. Volume: 642
• 30 Day Avg. Volume: 2,002
• PEG Ratio: 0.24
• Price to Book (P/B): 1.07
• Price to Sales (P/S): 1.98
• P/FCF Ratio: 14.88
• Enterprise Value/Market Cap: 0.72
• Enterprise Value/Revenue: 1.67
• Enterprise Value/Gross Profit: 2.38
• Enterprise Value/Ebitda: 8.61
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $27.00 ▲(27.36% Upside)
• Action: Reiterated
• Date: 03/31/26

Positive Factors

Balance Sheet Strength

A materially lower debt-to-equity ratio through 2025 increases financial resilience and funding flexibility. Sustained de-leveraging and equity growth reduce solvency risk, support lending capacity and capital actions, and give management more optionality through economic cycles.

Negative Factors

Leverage Volatility

Material year-to-year swings in leverage indicate the balance sheet composition can change quickly, raising execution and funding risks. Such volatility complicates capital planning, stress testing and investor confidence, and could force rapid adjustments under adverse conditions.

American Riviera Bank Business Overview & Revenue Model

Company Description

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 dep...

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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 dep...

How the Company Makes Money

American Riviera Bank primarily makes money through: (1) Net interest income: earning interest on loans and other interest-earning assets and paying interest on deposits and other funding sources; the spread between these rates is a core driver of...

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American Riviera Bank primarily makes money through: (1) Net interest income: earning interest on loans and other interest-earning assets and paying interest on deposits and other funding sources; the spread between these rates is a core driver of...

American Riviera Bank Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	65.11M	69.08M	64.25M	46.59M	52.13M	43.62M
Gross Profit	45.76M	50.39M	44.95M	46.52M	49.05M	42.34M
EBITDA	12.64M	16.08M	13.56M	16.26M	19.97M	17.98M
Net Income	9.07M	12.45M	8.74M	10.51M	13.49M	11.83M
Balance Sheet
Total Assets	1.30B	1.37B	1.28B	1.27B	1.28B	1.31B
Cash, Cash Equivalents and Short-Term Investments	190.20M	191.19M	198.88M	11.99M	284.99M	483.53M
Total Debt	38.50M	26.50M	47.40M	109.22M	25.07M	4.97M
Total Liabilities	1.18B	1.24B	1.17B	1.16B	1.20B	1.21B
Stockholders Equity	117.61M	127.67M	111.38M	100.64M	87.10M	96.27M
Cash Flow
Free Cash Flow	0.00	9.17M	13.19M	9.92M	12.94M	12.02M
Operating Cash Flow	0.00	9.34M	13.75M	14.76M	13.54M	12.58M
Investing Cash Flow	0.00	-80.57M	-12.82M	14.35M	11.28M	-337.94M
Financing Cash Flow	0.00	68.53M	1.64M	-29.22M	-20.91M	324.89M

American Riviera Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 21.20
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ARBV, the sentiment is Positive. The current price of 21.2 is below the 20-day moving average (MA) of 25.98, below the 50-day MA of 25.26, and below the 200-day MA of 23.71, indicating a bullish trend. The MACD of 0.12 indicates Positive momentum. The RSI at 53.45 is Neutral, neither overbought nor oversold. The STOCH value of 66.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ARBV.

American Riviera Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AFBI	70 Outperform	$137.13M	15.61	6.95%	―	4.88%	53.05%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	66 Neutral	$135.64M	29.58	2.44%	0.88%	15.21%	2015.08%
FNWD	62 Neutral	$139.43M	14.15	5.92%	0.97%	0.68%	199.51%
ARBV	61 Neutral	$151.58M	10.62	10.32%	―	9.42%	60.79%
UNB	59 Neutral	$105.38M	9.17	14.94%	6.08%	11.40%	29.64%
PNBK	52 Neutral	$123.55M	-7.09	-13.51%	―	2.17%	98.76%