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American Riviera Bank

Financial Services US ARBV

26.0USD
0.01(0.04%)

Last update at 2026-06-05T15:46:00Z

Day Range

25.5026.00
LowHigh

52 Week Range

17.9528.28
LowHigh

Fundamentals

  • Previous Close 25.99
  • Market Cap141.11M
  • Volume600
  • P/E Ratio11.33
  • Dividend Yield-%
  • Revenue TTM50.39M
  • Revenue Per Share TTM8.82
  • Gross Profit TTM 50.39M
  • Diluted EPS TTM2.18

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 16.08M 12.30M 14.50M 18.76M 16.38M
Minority interest - - - - -
Net income 12.45M 8.74M 10.51M 13.49M 11.83M
Selling general administrative 23.24M 21.61M 20.55M 19.85M 19.20M
Selling and marketing expenses - - - - -
Gross profit - - - - -
Reconciled depreciation 1.26M 1.26M 1.76M 1.22M 1.60M
Ebit - - - - -
Ebitda - - - - -
Depreciation and amortization - - - - -
Non operating income net other - - - - -
Operating income - - - - -
Other operating expenses - - - 8.83M 6.30M
Interest expense 17.66M 18.91M 11.39M 1.93M 0.95M
Tax provision 3.64M 3.56M 3.99M 5.26M 4.55M
Interest income 65.56M 60.13M 55.68M 48.78M 40.04M
Net interest income 47.91M 41.22M 44.29M 46.85M 39.09M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense - - - 5.26M 4.55M
Total revenue 51.42M 45.34M 46.83M 50.19M 42.67M
Total operating expenses - - - - -
Cost of revenue - - - - -
Total other income expense net - - - - -
Discontinued operations - - - - -
Net income from continuing ops 12.45M 8.74M 10.51M 13.49M 11.83M
Net income applicable to common shares - - - 13.49M 11.83M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1367.29M 1279.31M - 1282.57M 1306.54M
Intangible assets 0.07M 0.11M - 0.15M 0.18M
Earning assets - - - - -
Other current assets - - - 5.37M 4.09M
Total liab 1239.62M 1167.93M - 1195.47M 1210.27M
Total stockholder equity 127.67M 111.38M - 87.10M 96.27M
Deferred long term liab - - - - -
Other current liab - - - - -
Common stock - - - 66.35M 56.56M
Capital stock 67.26M 68.04M - 66.35M 56.56M
Retained earnings 74.33M 63.01M - 44.67M 40.43M
Other liab - - - 6.78M 2.45M
Good will 4.80M 4.80M - 4.80M 4.80M
Other assets - - - 933.60M 799.16M
Cash 21.39M 20.95M - 61.80M 292.11M
Cash and equivalents - - - - -
Total current liabilities - - - 1170.40M 1204.09M
Current deferred revenue - - - - -
Net debt 5.11M 20.55M - - -
Short term debt - - - - -
Short long term debt 10.00M 25.00M - - -
Short long term debt total - - - - -
Other stockholder equity - - - -23.92200M -0.72300M
Property plant equipment - - - 12.35M 10.43M
Total current assets - - - 61.80M 296.20M
Long term investments 218.01M 226.26M - 269.87M 195.83M
Net tangible assets - - - 82.15M 91.29M
Short term investments 116.63M 120.10M - - -
Net receivables - - - 26.68M 10.44M
Long term debt 16.50M 16.50M - 18.00M -
Inventory - - - - -
Accounts payable - - - 1163.53M 1202.09M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - - - - -
Deferred long term asset charges - - - - -
Non current assets total - - - - -
Capital lease obligations 6.62M 5.90M - 7.07M 4.97M
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 15.96M 29.72M 14.35M 126.61M -270.39700M
Change to liabilities - - - -1.58800M -0.99600M
Total cashflows from investing activities - - - 11.28M -337.93600M
Net borrowings -15.00000M -61.50000M 85.00M 18.00M -5.00000M
Total cash from financing activities 68.53M 1.64M -29.67200M -20.90700M 324.89M
Change to operating activities - - - 3.45M -0.14400M
Net income 12.45M 8.74M 10.51M 13.49M 11.83M
Change in cash -2.69800M 2.57M -0.11000M 3.91M -0.46300M
Begin period cash flow 14.55M 11.99M 12.10M 8.18M 8.65M
End period cash flow 11.86M 14.55M 11.99M 12.10M 8.18M
Total cash from operating activities 9.34M 13.75M 14.76M 13.54M 12.58M
Issuance of capital stock - - - - -
Depreciation 1.26M 1.26M 1.76M 1.22M 1.60M
Other cashflows from investing activities - - - -2.01200M -0.91200M
Dividends paid - - - - -
Change to inventory - - - - -
Change to account receivables 0.96M 0.11M 0.58M -6.31200M -1.57500M
Sale purchase of stock -2.65500M 0.00000M - - -
Other cashflows from financing activities - - - -38.56300M 329.94M
Change to netincome - - - 3.29M 1.87M
Capital expenditures 0.17M 0.56M 4.84M 0.60M 0.56M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 0.42M 1.33M -0.79500M -2.64300M -1.49400M
Stock based compensation 1.25M 1.26M 1.33M 1.02M 0.87M
Other non cash items -6.34300M -0.39300M -0.27500M -0.22200M -0.27400M
Free cash flow 9.17M 13.19M 9.92M 12.94M 12.02M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
ARBV
American Riviera Bank		 0.01 0.04% 26.00 11.33 - 2.80 1.10 3.39
HDB
HDFC Bank Limited ADR		 -0.405 1.69% 23.62 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.12 0.39% 30.56 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 0.38 0.76% 50.48 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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. In addition, the company offers online banking, mobile banking, deposit capture, payment, collection, wire transfer, fraud control, business debit and credit card, merchant, lock box, digital wallet, and automated teller machines services. The company was founded in 2006 and is headquartered in Santa Barbara, California.

American Riviera Bank

1033 Anacapa Street, Santa Barbara, CA, United States, 93101

Key Executives

Name Title Year Born
Mr. Jeffrey B. DeVine Pres, CEO & Director 1969
Ms. Michelle Martinich CPA Exec. VP & CFO 1975
Ms. Joanne E. Funari Exec. VP & COO 1960
Mr. Paul Abramson Exec. VP & CTO 1980
Ms. Rechelle Ringer CFMP First VP and Mang. of Products & Marketing NA
Yatzie Acosta VP & HR Mang. NA
Mr. Eusebio Cordova Jr. Exec. VP & Chief Credit Officer 1982
Ms. Lori Murray Sr. VP & Residential Lending Mang. NA
Mr. Darren Doi Sr. VP & Credit Mang. NA
Jason Wilson Sr. VP & Commercial Team Leader NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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