American River Bankshares operates as the holding company for American River Bank that provides commercial banking products and services to small and middle-market businesses, and individuals.
Flawless balance sheet and fair value.
Share Price & News
How has American River Bankshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: AMRB has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: AMRB underperformed the US Banks industry which returned 11.1% over the past year.
Return vs Market: AMRB underperformed the US Market which returned 19.3% over the past year.
Price Volatility Vs. Market
How volatile is American River Bankshares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
5 days ago | Simply Wall StDo You Like American River Bankshares (NASDAQ:AMRB) At This P/E Ratio?
4 weeks ago | Simply Wall StWhy You Might Be Interested In American River Bankshares (NASDAQ:AMRB) For Its Upcoming Dividend
1 month ago | Simply Wall StHere's What American River Bankshares's (NASDAQ:AMRB) P/E Ratio Is Telling Us
Is American River Bankshares undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: AMRB ($14.7) is trading below our estimate of fair value ($14.73)
Significantly Below Fair Value: AMRB is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: AMRB is poor value based on its PE Ratio (15.6x) compared to the Banks industry average (12.6x).
PE vs Market: AMRB is good value based on its PE Ratio (15.6x) compared to the US market (18.5x).
Price to Earnings Growth Ratio
PEG Ratio: AMRB is poor value based on its PEG Ratio (1x)
Price to Book Ratio
PB vs Industry: AMRB is good value based on its PB Ratio (1x) compared to the US Banks industry average (1.2x).
How is American River Bankshares forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AMRB's forecast earnings growth (15.5% per year) is above the savings rate (1.7%).
Earnings vs Market: AMRB's earnings (15.5% per year) are forecast to grow faster than the US market (14.2% per year).
High Growth Earnings: AMRB's earnings are forecast to grow, but not significantly.
Revenue vs Market: AMRB's revenue (8.6% per year) is forecast to grow faster than the US market (7.6% per year).
High Growth Revenue: AMRB's revenue (8.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AMRB's Return on Equity is forecast to be low in 3 years time (8.9%).
How has American River Bankshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AMRB has high quality earnings.
Growing Profit Margin: AMRB's current net profit margins (22.7%) are higher than last year (22.3%).
Past Earnings Growth Analysis
Earnings Trend: AMRB's earnings have declined by -2.2% per year over the past 5 years.
Accelerating Growth: AMRB's earnings growth over the past year (12.2%) exceeds its 5-year average (-2.2% per year).
Earnings vs Industry: AMRB earnings growth over the past year (12.2%) underperformed the Banks industry 12.2%.
Return on Equity
High ROE: AMRB's Return on Equity (6.6%) is considered low.
Return on Assets
Return on Capital Employed
How is American River Bankshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: AMRB has a low level of unsold assets or inventory.
Debt Coverage by Assets: AMRB's debt is covered by short term assets (assets are 2.6x debt).
Financial Institutions Analysis
Asset Level: AMRB's level of assets compared to its equity is low.
Allowance for Bad Loans: AMRB has a sufficient allowance for bad loans.
Low Risk Liabilities: AMRB's liabilities are made up of primarily low risk sources of funding.
Loan Level: AMRB has an acceptable proportion of non-loan assets held.
Low Risk Deposits: AMRB's loans are broadly funded by customer deposits.
Level of Bad Loans: AMRB has an appropriate level of bad loans (0.01%)
What is American River Bankshares's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AMRB's dividend (1.9%) is higher than the bottom 25% of dividend payers in the US market (1.44%).
High Dividend: AMRB's dividend (1.9%) is low compared to the top 25% of dividend payers in the US market (3.71%).
Stability and Growth of Payments
Stable Dividend: AMRB's dividend payments have been volatile in the past 10 years.
Growing Dividend: AMRB's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (25.5%), AMRB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: AMRB's dividends in 3 years are forecast to be well covered by earnings (24% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dave Ritchie (61yo)
Mr. David E. Ritchie, Jr. also known as Dave, has been the Chief Executive Officer and President at American River Bankshares and American River Bank since November 2017. Mr. Ritchie has more than 31 years ...
CEO Compensation Analysis
Compensation vs Market: Dave's total compensation ($USD587.73K) is about average for companies of similar size in the US market ($USD521.37K).
Compensation vs Earnings: Dave's compensation has been consistent with company performance over the past year.
|Executive VP & CFO||25.1yrs||US$404.63k||1.1% $944.5k|
|Executive VP & COO||10.4yrs||US$399.62k||0.33% $285.6k|
|Executive VP & Chief Credit Officer||1.8yrs||US$253.36k||0.049% $42.3k|
|VP & Director of Communications||15.2yrs||no data||no data|
|Vice President of Marketing & Community Engagement||0yrs||no data||no data|
|Senior VP & Credit Administrator||8.1yrs||no data||no data|
|SVP & Commercial Banking Mngr||0yrs||no data||no data|
Experienced Management: AMRB's management team is seasoned and experienced (9.3 years average tenure).
|Independent Chairman of the Board||19.1yrs||US$72.07k||3.01% $2.6m|
|Director Emeritus||0.08yrs||US$56.44k||1.36% $1.2m|
|Independent Director||18.1yrs||US$65.50k||0.51% $441.0k|
|Independent Director||10.9yrs||US$53.09k||1.54% $1.3m|
|Independent Vice Chairman of the Board||6.1yrs||US$54.12k||1.9% $1.6m|
|Independent Director||7.6yrs||US$56.87k||0.36% $312.2k|
|Independent Director||3.2yrs||US$48.37k||0.18% $152.6k|
|Independent Director||1.9yrs||US$24.78k||0.046% $39.6k|
|Director||0.5yrs||no data||0.0058% $5.0k|
Experienced Board: AMRB's board of directors are considered experienced (4.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
American River Bankshares's company bio, employee growth, exchange listings and data sources
- Name: American River Bankshares
- Ticker: AMRB
- Exchange: NasdaqGS
- Founded: 1983
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$85.967m
- Shares outstanding: 5.85m
- Website: https://www.americanriverbank.com
Number of Employees
- American River Bankshares
- 3100 Zinfandel Drive
- Suite 450
- Rancho Cordova
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|AMRB||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Sep 1990|
American River Bankshares operates as the holding company for American River Bank that provides commercial banking products and services to small and middle-market businesses, and individuals. The company accepts checking and savings deposits; and offers money market deposit accounts and certificates of deposit. It also provides commercial, commercial real estate, multi-family real estate, commercial and residential real estate construction, residential real estate, agriculture, consumer, and other installment and term loans, as well as other customary banking services. In addition, the company conducts lease financing for various types of business equipment ranging from computer software to heavy earth-moving equipment. It operates four full-service banking offices in Sacramento County, one full-service banking office in Placer County, two full-service banking offices in Sonoma County, and three full-service banking offices in Amador County. The company was formerly known as American River Holdings and changed its name to American River Bankshares in 2004. American River Bankshares was founded in 1983 and is headquartered in Rancho Cordova, California.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/22 00:29|
|End of Day Share Price||2020/02/21 00:00|
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 here.