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American River Bankshares

Market Cap

US$116.6m

Last Updated

2021/05/14 04:19 UTC

Data Sources

Company Financials +

Executive Summary

American River Bankshares operates as the holding company for American River Bank that provides commercial banking products and services in the United States. More Details


Snowflake Analysis

Solid track record with adequate balance sheet.


Similar Companies

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 is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: AMRB's weekly volatility (7%) has been stable over the past year.


Market Performance


7 Day Return

-1.2%

AMRB

-0.3%

US Banks

-2.8%

US Market


1 Year Return

116.7%

AMRB

93.4%

US Banks

49.0%

US Market

Return vs Industry: AMRB exceeded the US Banks industry which returned 93.4% over the past year.

Return vs Market: AMRB exceeded the US Market which returned 49% over the past year.


Shareholder returns

AMRBIndustryMarket
7 Day-1.2%-0.3%-2.8%
30 Day21.5%6.2%-2.6%
90 Day25.1%19.1%-1.5%
1 Year121.6%116.7%99.2%93.4%51.5%49.0%
3 Year35.1%27.5%28.3%17.3%58.2%48.3%
5 Year103.3%88.0%113.1%86.2%123.8%98.9%

Long-Term 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

Valuation

Is American River Bankshares undervalued compared to its fair value and its price relative to the market?

13.98x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: AMRB ($19.76) is trading above our estimate of fair value ($17.25)

Significantly Below Fair Value: AMRB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: AMRB is poor value based on its PE Ratio (14x) compared to the US Banks industry average (12x).

PE vs Market: AMRB is good value based on its PE Ratio (14x) compared to the US market (19.8x).


Price to Earnings Growth Ratio

PEG Ratio: AMRB is poor value based on its PEG Ratio (20.4x)


Price to Book Ratio

PB vs Industry: AMRB is overvalued based on its PB Ratio (1.2x) compared to the US Banks industry average (1.1x).


Future Growth

How is American River Bankshares forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

0.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: AMRB's forecast earnings growth (0.7% per year) is below the savings rate (2%).

Earnings vs Market: AMRB's earnings (0.7% per year) are forecast to grow slower than the US market (14.8% per year).

High Growth Earnings: AMRB's earnings are forecast to grow, but not significantly.

Revenue vs Market: AMRB's revenue (6.7% per year) is forecast to grow slower than the US market (8.9% per year).

High Growth Revenue: AMRB's revenue (6.7% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if AMRB's Return on Equity is forecast to be high in 3 years time


Past Performance

How has American River Bankshares performed over the past 5 years?

4.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: AMRB has high quality earnings.

Growing Profit Margin: AMRB's current net profit margins (29.6%) are higher than last year (23.5%).


Past Earnings Growth Analysis

Earnings Trend: AMRB's earnings have grown by 4.1% per year over the past 5 years.

Accelerating Growth: AMRB's earnings growth over the past year (42.9%) exceeds its 5-year average (4.1% per year).

Earnings vs Industry: AMRB earnings growth over the past year (42.9%) exceeded the Banks industry 17.9%.


Return on Equity

High ROE: AMRB's Return on Equity (8.9%) is considered low.


Financial Health

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


Balance Sheet


Financial Institutions Analysis

Asset Level: AMRB's Assets to Equity ratio (9.9x) is low.

Allowance for Bad Loans: Insufficient data to determine if AMRB has a sufficient allowance for bad loans.

Low Risk Liabilities: 96% of AMRB's liabilities are made up of primarily low risk sources of funding.

Loan Level: AMRB has an appropriate level of Loans to Assets ratio (51%).

Low Risk Deposits: AMRB's Loans to Deposits ratio (59%) is appropriate.

Level of Bad Loans: Insufficient data to determine if AMRB has an appropriate level of bad loans.


Dividend

What is American River Bankshares's current dividend yield, its reliability and sustainability?

1.42%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: AMRB's dividend (1.42%) is higher than the bottom 25% of dividend payers in the US market (1.27%).

High Dividend: AMRB's dividend (1.42%) is low compared to the top 25% of dividend payers in the US market (3.45%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, AMRB has been paying a dividend for less than 10 years.

Growing Dividend: AMRB's dividend payments have increased, but the company has only paid a dividend for 4 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (19.8%), AMRB's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

10.5yrs

Average management tenure


CEO

Dave Ritchie (62 yo)

3.5yrs

Tenure

US$621,534

Compensation

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 ($USD621.53K) is about average for companies of similar size in the US market ($USD538.10K).

Compensation vs Earnings: Dave's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: AMRB's management team is seasoned and experienced (10.5 years average tenure).


Board Members

Experienced Board: AMRB's board of directors are considered experienced (4.4 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

American River Bankshares's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: American River Bankshares
  • Ticker: AMRB
  • Exchange: NasdaqGS
  • Founded: 1983
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$116.648m
  • Shares outstanding: 5.90m
  • Website: https://www.americanriverbank.com

Number of Employees


Location

  • American River Bankshares
  • 3100 Zinfandel Drive
  • Suite 450
  • Rancho Cordova
  • California
  • 95670
  • United States

Listings


Biography

American River Bankshares operates as the holding company for American River Bank that provides commercial banking products and services in the United States. It accepts checking and savings deposits; and ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/14 04:19
End of Day Share Price2021/05/13 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


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.