American Riviera Bancorp (ARBV) Stock Overview

Provides a range of community banking products and services for businesses and consumers in California. More details

ARBV fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 31.9% below our estimate of its fair value

Risk Analysis

Earnings have declined by 0.3% per year over past 5 years

ARBV Community Fair Values

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American Riviera Bancorp Competitors

Price History & Performance

Summary of share price highs, lows and changes for American Riviera Bancorp
Historical stock prices
Current Share Price	US$21.48
52 Week High	US$22.00
52 Week Low	US$17.60
Beta	0.59
1 Month Change	-2.32%
3 Month Change	3.07%
1 Year Change	11.07%
3 Year Change	34.25%
5 Year Change	87.52%
Change since IPO	125.03%

Recent updates

Shareholder Returns

	ARBV	US Banks	US Market
7D	0.4%	2.6%	2.0%
1Y	11.1%	22.0%	17.9%

Return vs Industry: ARBV underperformed the US Banks industry which returned 22% over the past year.

Return vs Market: ARBV underperformed the US Market which returned 17.9% over the past year.

Price Volatility

Is ARBV's price volatile compared to industry and market?
ARBV volatility
ARBV Average Weekly Movement	1.3%
Banks Industry Average Movement	3.9%
Market Average Movement	6.5%
10% most volatile stocks in US Market	17.4%
10% least volatile stocks in US Market	3.0%

Stable Share Price: ARBV has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: ARBV's weekly volatility (1%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	Jeff DeVine	www.americanriviera.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; and certificates of deposit. It also provides various loan products, such as auto, boat/airplane, portfolio, fixed rate mortgage, jumbo, commercial real estate, lines of credit, agriculture, construction, and bridge loans; and long term financing, as well as asset-based and home equity loans.

American Riviera Bancorp Fundamentals Summary

How do American Riviera Bancorp's earnings and revenue compare to its market cap?
ARBV fundamental statistics
Market cap	US$122.63m
Earnings (TTM)	US$9.91m
Revenue (TTM)	US$46.69m

12.4x

P/E Ratio

1.0x

P/B Ratio

Is ARBV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ARBV income statement (TTM)
Revenue	US$46.69m
Cost of Revenue	US$0
Gross Profit	US$46.69m
Other Expenses	US$36.77m
Earnings	US$9.91m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	1.74
Gross Margin	100.00%
Net Profit Margin	21.23%
Debt/Equity Ratio	21.7%

How did ARBV perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/10/26 21:59
End of Day Share Price	2025/10/24 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

American Riviera Bancorp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

American Riviera BancorpOTCPK:ARBV Stock Report