American Riviera Bank (ARBV) AI Stock Analysis

American Riviera Bank

(Other OTC:ARBV)

Select Model

Rating:63Neutral

Price Target:$30.00▲(3.27% Upside)

Action:downgraded

Date:10/03/26

The score is supported by improving profitability and a meaningfully de-levered balance sheet, alongside a reasonable P/E valuation. These positives are tempered by weaker technical conditions (below key moving averages and negative MACD) and a recent decline in operating/free cash flow versus 2024 with some inconsistency in 2025 cash-flow ratio fields.

Positive Factors

Improving profitabilityHigher profitability indicates improved earnings capacity from the bank’s core operations and can support internal capital generation. If maintained, stronger margins provide greater flexibility to invest in customer services, absorb credit costs, and build equity over the next several quarters.

Negative Factors

Recent cash-flow declineThe year-over-year reduction in operating and free cash flow weakens the near-term funding cushion even though generation remains positive. Sustained lower cash conversion could constrain internally funded growth, capital flexibility, or the bank’s ability to absorb unexpected credit and operating costs.

American Riviera Bank (ARBV) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $167.33M
Dividend Yield: ―
Average Volume (3M): 3,043
Price to Earnings (P/E): 10.3
Beta (1Y): 0.10
Revenue Growth: 14.50%
EPS Growth: 63.90%
Country: US
Employees: 15
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

American Riviera Bank Business Overview & Revenue Model

Company Description

American Riviera Bancorp (ARBV) operates as a community bank, delivering a diverse range of financial products and services to both businesses and individual consumers across California. Clients can access a diverse portfolio of deposit products, ran...

How the Company Makes Money

American Riviera Bank primarily generates revenue through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on interest-earning assets (mainly loans to commercial and...

American Riviera Bank Financial Statement Overview

Summary

Improving profitability in 2025 (net margin ~18% vs ~14% in 2024) and a materially stronger balance sheet with much lower debt-to-equity (~0.21 in 2025). Offsetting factors include uneven revenue/margin performance across years, a prior leverage spike in 2023, and a step-down in operating/free cash flow in 2025 versus 2024 with some 2025 cash flow ratio fields appearing inconsistent.

Income Statement

73Positive

Balance Sheet

78Positive

Cash Flow

62Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	73.44M	69.08M	64.25M	46.59M	52.13M	43.62M
Gross Profit	54.90M	50.39M	44.95M	46.52M	49.05M	42.34M
EBITDA	18.92M	16.08M	13.56M	16.26M	19.97M	17.98M
Net Income	14.74M	12.45M	8.74M	10.51M	13.49M	11.83M
Balance Sheet
Total Assets	1.44B	1.37B	1.28B	1.27B	1.28B	1.31B
Cash, Cash Equivalents and Short-Term Investments	27.96M	191.19M	198.88M	11.99M	284.99M	483.53M
Total Debt	68.65M	26.50M	47.40M	109.22M	25.07M	4.97M
Total Liabilities	1.31B	1.24B	1.17B	1.16B	1.20B	1.21B
Stockholders Equity	134.81M	127.67M	111.38M	100.64M	87.10M	96.27M
Cash Flow
Free Cash Flow	0	9.17M	13.19M	9.92M	12.94M	12.02M
Operating Cash Flow	0	9.34M	13.75M	14.76M	13.54M	12.58M
Investing Cash Flow	0	-80.57M	-12.82M	14.35M	11.28M	-337.94M
Financing Cash Flow	0	68.53M	1.64M	-29.22M	-20.91M	324.89M

American Riviera Bank Technical Analysis

Technical Analysis SentimentPositive

Last Price29.05

Price Trends

50DMA28.88Positive

100DMA28.85Positive

200DMA27.07Positive

Market Momentum

MACD0.00Negative

RSI58.40Neutral

STOCH83.91Negative

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 29.05 is above the 20-day moving average (MA) of 28.40, above the 50-day MA of 28.88, and above the 200-day MA of 27.07, indicating a bullish trend. The MACD of 0.00 indicates Negative momentum. The RSI at 58.40 is Neutral, neither overbought nor oversold. The STOCH value of 83.91 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ARBV.

American Riviera Bank Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

ARBV against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CWBC	75Outperform	$699.80M	16.22	6.56%	1.86%	22.77%	-11.24%
CBFV	69Neutral	$202.32M	10.96	11.50%	2.77%	27.49%	607.99%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ARBV	63Neutral	$167.32M	10.34	12.14%	―	14.50%	63.90%
OVLY	61Neutral	$289.90M	12.25	10.94%	2.18%	1.39%	-1.91%
EBMT	55Neutral	$168.95M	10.77	7.98%	2.75%	1.58%	13.99%
BCBP	54Neutral	$272.46M	-1.07	-53.70%	5.42%	-16.04%	-17100.00%

* Financial Sector Average

Performance Comparison

ARBV and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
ARBV	American Riviera Bank	29.05	7.25	33.26%
BCBP	BCB Bancorp	8.86	1.33	17.74%
CWBC	Community West Bancshares	25.79	4.90	23.49%
EBMT	Eagle Bancorp Montana	21.21	5.28	33.17%
OVLY	Oak Valley Bancorp [ca]	34.43	7.39	27.32%
CBFV	CB Financial Services Inc	39.67	8.64	27.84%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Oct 03, 2026

American Riviera Bank AI Stock Analysis