NasdaqGS:AMRB

Stock Analysis Report

American River Bankshares

Executive Summary

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.

Snowflake

Fundamentals

Flawless balance sheet and fair value.


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


Market Performance


7 Day Return

7.7%

NasdaqGS:AMRB

-1.8%

US Banks

0.2%

US Market


1 Year Return

-12.2%

NasdaqGS:AMRB

-15.3%

US Banks

-0.7%

US Market

AMRB outperformed the Banks industry which returned -13.6% over the past year.

AMRB underperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

AMRBIndustryMarket
7 Day7.7%-1.8%0.2%
30 Day3.6%-6.4%-2.7%
90 Day7.3%-4.0%1.6%
1 Year-10.8%-12.2%-12.9%-15.3%1.6%-0.7%
3 Year37.2%31.9%41.3%31.7%40.0%30.9%
5 Year54.3%48.4%50.8%34.5%53.8%36.8%

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 based on future cash flows and its price relative to the stock market?

16.94x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

American River Bankshares's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

American River Bankshares's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

American River Bankshares is overvalued based on earnings compared to the US Banks industry average.

American River Bankshares is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

American River Bankshares is good value based on expected growth next year.


Price Based on Value of Assets

American River Bankshares is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

17.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

American River Bankshares's revenue is expected to grow by 6.6% yearly, however this is not considered high growth (20% yearly).

American River Bankshares's earnings are expected to grow by 17.9% yearly, however this is not considered high growth (20% yearly).

American River Bankshares's revenue growth is positive but not above the United States of America market average.

American River Bankshares's earnings growth is expected to exceed the United States of America market average.

American River Bankshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if American River Bankshares will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

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

-1.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

American River Bankshares's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

American River Bankshares's 1-year earnings growth exceeds its 5-year average (40.8% vs -1.2%)

American River Bankshares's earnings growth has exceeded the US Banks industry average in the past year (40.8% vs 33.2%).


Return on Equity

American River Bankshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

American River Bankshares used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if American River Bankshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

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

Information is not available.

Information is not available.


Financial Institutions Analysis

American River Bankshares has an acceptable proportion of non-loan assets held.

American River Bankshares has a sufficient allowance for bad loans.

American River Bankshares's liabilities are made up of primarily low risk sources of funding.

American River Bankshares's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at American River Bankshares are broadly funded by customer deposits.

American River Bankshares has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

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

1.90%

Expected Dividend Yield


Dividend Yield and Payments Analysis

American River Bankshares's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.48%).

American River Bankshares's dividend is below the markets top 25% of dividend payers in United States of America (3.83%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (4x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of American River Bankshares's salary, the management and board of directors tenure and is there insider trading?

7.6yrs

Average management tenure


CEO

Dave Ritchie (61yo)

1.8yrs

Tenure

US$587,728

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

Dave's remuneration is about average for companies of similar size in United States of America.

Dave's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

7.6yrs

Average Tenure

58.5yo

Average Age

The average tenure for the American River Bankshares management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

7.1yrs

Average Tenure

61yo

Average Age

The tenure for the American River Bankshares board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$4,80408 May 19
Nicolas Anderson
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares375
Max PriceUS$12.81
BuyUS$14,24530 Apr 19
Daniel McGregor
EntityIndividual
Role
Senior Key Executive
Executive VP & Chief Credit Officer
Shares1,100
Max PriceUS$12.95
BuyUS$10,15126 Apr 19
William Robotham
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares783
Max PriceUS$12.99
BuyUS$13,06222 Feb 19
William Robotham
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares933
Max PriceUS$14.00
BuyUS$4,70613 Feb 19
Nicolas Anderson
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares325
Max PriceUS$14.48
SellUS$23,14913 Nov 18
Kevin Bender
EntityIndividual
Role
Chief Operating Officer
Executive VP & COO
Shares1,528
Max PriceUS$15.15
BuyUS$43,93513 Nov 18
Kimberly Box
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares2,900
Max PriceUS$15.15
BuyUS$4,50613 Nov 18
Nicolas Anderson
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares300
Max PriceUS$15.02
BuyUS$55,12402 Nov 18
Philip Wright
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares3,617
Max PriceUS$15.25
BuyUS$2,10830 Oct 18
Philip Wright
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares141
Max PriceUS$14.95
BuyUS$4,47030 Oct 18
Philip Wright
EntityIndividual
Role
Member of the Board of Directors
Independent Director
Shares300
Max PriceUS$14.90
BuyUS$155,00024 Oct 18
William Robotham
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares10,000
Max PriceUS$15.50

Ownership Breakdown


Management Team

  • Mitch Derenzo (58yo)

    Executive VP & CFO

    • Tenure: 24.6yrs
    • Compensation: US$404.63k
  • Kevin Bender (55yo)

    Executive VP & COO

    • Tenure: 9.9yrs
    • Compensation: US$399.62k
  • Stephen Waks (72yo)

    Corporate Secretary & Independent Director

    • Tenure: 33.6yrs
    • Compensation: US$56.44k
  • Diana Walery

    VP & Director of Communications

    • Tenure: 14.7yrs
  • Erica Fernandez

    SVP & Commercial Banking Mngr

    • Tenure: 0.0yrs
  • Marie Crayne

    Senior VP & Credit Administrator

    • Tenure: 7.6yrs
  • Dan McGregor (59yo)

    Executive VP & Chief Credit Officer

    • Tenure: 1.3yrs
    • Compensation: US$253.36k
  • Erica Dias

    Vice President of Marketing & Community Engagement

    • Tenure: 0.0yrs
  • Dave Ritchie (61yo)

    President

    • Tenure: 1.8yrs
    • Compensation: US$587.73k
  • Dennis Raymond (53yo)

    Executive VP & Chief Lending Officer

    • Tenure: 1.7yrs
    • Compensation: US$311.47k

Board Members

  • Chet Fite (61yo)

    Chairman of the Board

    • Tenure: 18.6yrs
    • Compensation: US$72.07k
  • Stephen Waks (72yo)

    Corporate Secretary & Independent Director

    • Tenure: 33.6yrs
    • Compensation: US$56.44k
  • Michael Ziegler (74yo)

    Independent Director

    • Tenure: 17.6yrs
    • Compensation: US$65.50k
  • Phil Wright (72yo)

    Independent Director

    • Tenure: 10.4yrs
    • Compensation: US$53.09k
  • William Robotham (77yo)

    Vice Chairman of the Board

    • Tenure: 5.6yrs
    • Compensation: US$54.12k
  • kim Box (59yo)

    Independent Director

    • Tenure: 7.1yrs
    • Compensation: US$56.87k
  • Jeff Owensby (61yo)

    Independent Director

    • Tenure: 2.7yrs
    • Compensation: US$48.37k
  • Dave Ritchie (61yo)

    President

    • Tenure: 1.8yrs
    • Compensation: US$587.73k
  • Nic Anderson (34yo)

    Independent Director

    • Tenure: 1.4yrs
    • Compensation: US$24.78k

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$79.886m
  • Shares outstanding: 5.85m
  • Website: https://www.americanriverbank.com

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AMRBNasdaqGS (Nasdaq Global Select)YesCommon StockUSUSDSep 1990

Biography

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  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 23:31
End of Day Share Price2019/08/20 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.