OTCPK:ARBV

Stock Analysis Report

American Riviera Bank

Executive Summary

American Riviera Bank provides a range of community banking products and services for businesses and consumers in California.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • American Riviera Bank is not covered by any analysts.

Similar Companies

Share Price & News

How has American Riviera Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.0%

OTCPK:ARBV

-1.8%

US Banks

0.2%

US Market


1 Year Return

-6.0%

OTCPK:ARBV

-15.3%

US Banks

-0.7%

US Market

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

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


Share holder returns

ARBVIndustryMarket
7 Day-1.0%-1.8%0.2%
30 Day-0.7%-6.4%-2.7%
90 Day-2.1%-4.0%1.6%
1 Year-6.0%-6.0%-12.9%-15.3%1.6%-0.7%
3 Year53.6%53.6%41.3%31.7%40.0%30.9%
5 Year78.5%78.5%50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is American Riviera Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is American Riviera Bank undervalued based on future cash flows and its price relative to the stock market?

13.32x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

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

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


Price Based on Earnings

American Riviera Bank is overvalued based on earnings compared to the US Banks industry average.

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


Price Based on Expected Growth

Unable to calculate PEG ratio for American Riviera Bank, we can't assess if its growth is good value.


Price Based on Value of Assets

American Riviera Bank is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is American Riviera Bank expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if American Riviera Bank is high growth as no revenue estimate data is available.

American Riviera Bank's earnings are expected to grow by 9.4% yearly, however this is not considered high growth (20% yearly).

Unable to compare American Riviera Bank's revenue growth to the United States of America market average as no estimate data is available.

American Riviera Bank's earnings growth is positive but not above the United States of America market average.

American Riviera Bank'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 Riviera Bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has American Riviera Bank performed over the past 5 years?

24.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

American Riviera Bank has delivered over 20% year on year earnings growth in the past 5 years.

American Riviera Bank's 1-year earnings growth exceeds its 5-year average (49.3% vs 24.1%)

American Riviera Bank's earnings growth has exceeded the US Banks industry average in the past year (49.3% vs 33.2%).


Return on Equity

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


Return on Assets

American Riviera Bank 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 Riviera Bank 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 Riviera Bank'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 Riviera Bank has an acceptable proportion of non-loan assets held.

American Riviera Bank has a sufficient allowance for bad loans.

American Riviera Bank's liabilities are made up of primarily low risk sources of funding.

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

Loans at American Riviera Bank are broadly funded by customer deposits.

American Riviera Bank has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is American Riviera Bank's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate American Riviera Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate American Riviera Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as American Riviera Bank has not reported any payouts.

Unable to verify if American Riviera Bank's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as American Riviera Bank has not reported any payouts.


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 Riviera Bank's salary, the management and board of directors tenure and is there insider trading?

7.3yrs

Average management tenure


CEO

Jeff DeVine (50yo)

11.0yrs

Tenure

US$1,212,878

Compensation

Jeffrey B. DeVine was named a Director and President/Chief Executive Officer of American Riviera Bank (“ARB”) in 2008. Prior to joining ARB, he has held positions in commercial, retail, private and investm ...


CEO Compensation Analysis

Jeff's remuneration is higher than average for companies of similar size in United States of America.

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


Management Age and Tenure

7.3yrs

Average Tenure

50yo

Average Age

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


Board Age and Tenure

13.6yrs

Average Tenure

66yo

Average Age

The average tenure for the American Riviera Bank board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Joanne Funari (59yo)

    Executive VP & COO

    • Tenure: 3.6yrs
    • Compensation: US$321.15k
  • Jeff DeVine (50yo)

    President

    • Tenure: 11.0yrs
    • Compensation: US$1.21m
  • Michelle Martinich (44yo)

    Executive VP

    • Tenure: 13.3yrs
    • Compensation: US$374.16k
  • Lori Murray

    Senior VP & Residential Lending Manager

    • Tenure: 0.0yrs
  • Darren Doi

    Senior VP & Commercial Team Leader

    • Tenure: 0.0yrs
  • Jason Wilson

    Senior VP & Commercial Team Leader

    • Tenure: 0.0yrs
  • Stephanie Olson

    Senior VP of Compliance & Risk Manager

    • Tenure: 0.0yrs
  • Neil Amarante

    Senior VP & Regional Manager

    • Tenure: 2.0yrs
  • Jay Beck

    Senior VP & Regional Manager

    • Tenure: 0.0yrs
  • Sonja Smith

    Vice President & Human Resources Director

    • Tenure: 0.0yrs

Board Members

  • Elizabeth Cholawsky (63yo)

    Director

    • Tenure: 0.0yrs
  • Frank Burgess (77yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$26.00k
  • Doug Margerum (59yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$32.00k
  • Jeff DeVine (50yo)

    President

    • Tenure: 11.0yrs
    • Compensation: US$1.21m
  • Darren Caesar (51yo)

    Vice Chairman of the Board

    • Tenure: 13.6yrs
    • Compensation: US$33.50k
  • Joe Campanelli (69yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$38.50k
  • Larry Koppelman (78yo)

    Chairman of the Board

    • Tenure: 13.6yrs
    • Compensation: US$37.25k
  • Jody Holehouse (59yo)

    Director

    • Tenure: 7.9yrs
    • Compensation: US$38.50k
  • Leonard Himelsein (73yo)

    Director

    • Tenure: 3.6yrs
    • Compensation: US$38.50k
  • Joe Howell (71yo)

    Director

    • Tenure: 7.6yrs
    • Compensation: US$30.50k

Company Information

American Riviera Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: American Riviera Bank
  • Ticker: ARBV
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$88.189m
  • Shares outstanding: 4.95m
  • Website: https://www.americanrivierabank.com

Location

  • American Riviera Bank
  • 1033 Anacapa Street
  • Santa Barbara
  • California
  • 93101
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ARBVOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDAug 2006

Biography

American Riviera Bank provides a range of community banking products and services for businesses and consumers in California. It offers checking, savings, money market, and individual retirement accounts,  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/20 23:55
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.