Want to see ARBV full AI Analyst Report?
Top Page
American Riviera Bank
(OTC:ARBV)
Select Model
Select Model
Rating:71Outperform
Price Target:
$34.00
▲(6.32% Upside)
Action:Upgraded
Date:07/03/26
The score is driven primarily by improving financial performance—stronger 2025 profitability and a materially de-levered balance sheet—tempered by cash flow step-down and historical volatility. Technicals add support with price above key moving averages, though momentum indicators are neutral. Valuation is reasonable with a mid-range P/E, but dividend yield data is unavailable.
Positive Factors
Material de‑leveraging
A sustained decline in debt-to-equity across 2023–2025 materially improves balance sheet resilience. Lower leverage reduces refinancing and interest-rate risk, increases capital flexibility for lending or reserves, and creates a more durable foundation for credit quality and strategic initiatives.
Negative Factors
Step-down in 2025 cash flows
A meaningful year-over-year drop in operating and free cash flow reduces the cushion for lending, capital expenditures, or distributions. Persisting lower cash generation can constrain organic growth and force greater reliance on external funding, weakening medium-term financial flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Material de‑leveraging
A sustained decline in debt-to-equity across 2023–2025 materially improves balance sheet resilience. Lower leverage reduces refinancing and interest-rate risk, increases capital flexibility for lending or reserves, and creates a more durable foundation for credit quality and strategic initiatives.
Read all positive factors
American Riviera Bank (ARBV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$171.79M
Dividend YieldN/A
Average Volume (3M)2.00K
Price to Earnings (P/E)11.7
Beta (1Y)0.11
Revenue Growth12.79%
EPS Growth65.00%
CountryUS
Employees15
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.57
Shares Outstanding5,759,885
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
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, ...
How the Company Makes Money
null...
American Riviera Bank Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
78
Positive
Cash Flow
62
Positive
| 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 | 0.00 | 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
Positive
31.98
Price Trends
29.24
Positive
27.41
Positive
25.80
Positive
Market Momentum
0.08
Positive
50.23
Neutral
54.62
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 31.98 is above the 20-day moving average (MA) of 30.63, above the 50-day MA of 29.24, and above the 200-day MA of 25.80, indicating a neutral trend. The MACD of 0.08 indicates Positive momentum. The RSI at 50.23 is Neutral, neither overbought nor oversold. The STOCH value of 54.62 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $284.27M | 11.99 | 11.46% | 1.82% | 5.96% | -3.47% | |
71 Outperform | $171.79M | 11.73 | 10.32% | ― | 12.79% | 65.00% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $189.95M | 26.13 | 4.57% | 3.01% | -9.31% | -37.86% | |
64 Neutral | $705.68M | 13.98 | 7.90% | 1.92% | 12.91% | 33.31% | |
63 Neutral | $180.58M | 10.88 | 8.36% | 2.48% | 1.82% | 27.47% | |
44 Neutral | $156.76M | -7.83 | -5.77% | 4.73% | -17.41% | -674.10% |
* Financial Sector Average
ARBV
American Riviera Bank
30.15
8.68
40.43%
BCBP
BCB Bancorp
8.69
0.13
1.58%
CWBC
Community West Bancshares
26.00
5.33
25.79%
EBMT
Eagle Bancorp Montana
22.41
5.38
31.55%
OVLY
Oak Valley Bancorp [Ca]
34.04
6.10
21.83%
CBFV
CB Financial Services
37.37
5.25
16.36%
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.