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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
American Riviera Bank is a California-based community commercial bank offering deposit, lending, mortgage and wealth management services focused on Santa Barbara and nearby markets. Long-term growth drivers include local economic and property market trends, recurring income from lending and deposits, and expansion of fee-based wealth and mortgage services that may benefit from regional client relationships.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 |
| 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 |
| Reconciled depreciation | 1.26M | 1.26M | 1.76M | 1.22M | 1.60M |
| 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 |
| Income tax expense | - | - | - | 5.26M | 4.55M |
| Total revenue | 51.42M | 45.34M | 46.83M | 50.19M | 42.67M |
| 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 |
| 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 |
| 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 |
| 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 |
| Total current liabilities | - | - | - | 1170.40M | 1204.09M |
| Net debt | 5.11M | 20.55M | - | - | - |
| Short long term debt | 10.00M | 25.00M | - | - | - |
| Other stockholder equity | - | - | - | -23.92M | -0.72M |
| 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 | - |
| Accounts payable | - | - | - | 1163.53M | 1202.09M |
| Capital lease obligations | 6.62M | 5.90M | - | 7.07M | 4.97M |
| 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 | -270.40M |
| Change to liabilities | - | - | - | -1.59M | -1.00M |
| Total cashflows from investing activities | - | - | - | 11.28M | -337.94M |
| Net borrowings | -15.00M | -61.50M | 85.00M | 18.00M | -5.00M |
| Total cash from financing activities | 68.53M | 1.64M | -29.67M | -20.91M | 324.89M |
| Change to operating activities | - | - | - | 3.45M | -0.14M |
| Net income | 12.45M | 8.74M | 10.51M | 13.49M | 11.83M |
| Change in cash | -2.70M | 2.57M | -0.11M | 3.91M | -0.46M |
| 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 |
| Depreciation | 1.26M | 1.26M | 1.76M | 1.22M | 1.60M |
| Other cashflows from investing activities | - | - | - | -2.01M | -0.91M |
| Change to account receivables | 0.96M | 0.11M | 0.58M | -6.31M | -1.57M |
| Sale purchase of stock | -2.65M | 0.00M | - | - | - |
| Other cashflows from financing activities | - | - | - | -38.56M | 329.94M |
| Change to netincome | - | - | - | 3.29M | 1.87M |
| Capital expenditures | 0.17M | 0.56M | 4.84M | 0.60M | 0.56M |
| Change in working capital | 0.42M | 1.33M | -0.80M | -2.64M | -1.49M |
| Stock based compensation | 1.25M | 1.26M | 1.33M | 1.02M | 0.87M |
| Other non cash items | -6.34M | -0.39M | -0.28M | -0.22M | -0.27M |
| Free cash flow | 9.17M | 13.19M | 9.92M | 12.94M | 12.02M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
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 |
0.05 0.17% |
29.10 | 11.33 | - | 2.80 | 1.10 | 3.39 |
| DBSDY DBS Group Holdings Ltd ADR |
-3.29 1.44% |
224.55 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.86 2.47% |
33.89 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
1033 Anacapa Street, Santa Barbara, CA, United States, 93101
805 979 3545
| 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.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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Basic Materials
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Communication Services
+0.21%
Consumer Cyclical
+1.14%
Consumer Defensive
+0.88%
Energy
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Financial Services
+0.70%
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