American Riviera Bancorp

American Riviera Bancorp

ARBV
American Riviera BancorpUS flagOther OTC
25.99
USD
- -
- -
149.45MMarket Cap
2006 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.22
5.31
5.45
6.39
7.55
8.85
8.12
7.8
9
8.05
Basic EPS, GAAP
-1.73
1.21
1.19
1.33
2.09
2.38
1.82
1.5
2.18
1.56
Free Cash Flow per Basic Share
- -
1.58
1.42
2.04
2.13
2.28
1.72
2.27
1.61
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
7.35
12.55
14.21
15.16
17.16
19.58
21.07
22.53
24.78
23.28
Tangible Book Value per Share
7.65
11.33
13.19
14.34
16.15
14.49
16.59
18.31
21.49
19.36
Basic Weighted Avg Shares
3
5
5
6
6
6
6
6
6
6
Sales/Revenue/Turnover
1
26
29
36
43
50
47
45
51
47
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
1
1
1
2
1
2
1
1
- -
Net Income, GAAP
-5
6
6
7
12
13
11
9
12
9
Effective Tax Rate (%)
- -
29.34
28.16
28.65
27.76
28.06
27.52
28.93
22.62
28.24
Profit Margin (%)
-782.51
22.68
21.84
20.77
27.72
26.88
22.45
19.28
24.2
19.35
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
40
18
11
5
25
34
22
23
38
Total Equity
21
61
76
85
96
87
101
111
128
118
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
14.46
9.29
9.19
13.05
12.97
9.04
6.92
9.13
6.93

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
25
- -
- -
LT Borrowings
16
26
38
LT Finance Leases
6
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
116
112
112

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
141
206
190
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
25
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
8.94%
14.62%
Free Cash Flow
- -
-1.43%
-30.46%
Net Income, GAAP
- -
15.57%
42.36%
Sales/Revenue/Turnover
- -
8.26%
13.41%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
11
12
11
11
45
2025
12
12
14
- -
51
2026
14
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.37
0.42
0.36
0.35
1.5
2025
0.4
0.46
0.8
- -
2.18
2026
0.69
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Jeffrey DeVine
Full Time Employees
15
Sector
Financial Services
Industry
Banks - Regional
Address
1033 Anacapa Street Santa Barbara CA United States of America 93101
IPO Date
Sep 27, 2006
Business
American Riviera Bancorp (OTCQX: ARBV), a California-based bank holding company incorporated in 2022, owns 100% of American Riviera Bank, a full-service community bank founded in 2006 and headquartered in Santa Barbara, California. The bank serves businesses and consumers primarily on California's Central Coast through seven full-service branches in Santa Barbara, Montecito, Goleta, Santa Maria, San Luis Obispo, Atascadero, and Paso Robles, supplemented by residential and commercial lending offices in Santa Barbara and Santa Maria, and loan production offices in San Luis Obispo. It offers deposit products including checking, savings, money market, and individual retirement accounts, as well as certificates of deposit; diversified loan portfolio encompassing auto, boat/airplane, portfolio, fixed-rate mortgage, jumbo, commercial real estate, lines of credit, agriculture, construction, bridge, long-term financing, asset-based, home equity, residential mortgage, and Small Business Administration loans; and digital services such as online banking, mobile banking, deposit capture, payment and collection processing, wire transfers, fraud control, business debit and credit cards, merchant services, lockbox, digital wallet integration, and automated teller machines. American Riviera Bancorp reports strong growth with total loans increasing 2.6% in Q2 2025 and deposits rising 11.3% year-over-year to $1.26 billion by September 30, 2025; it recently expanded into Ventura County by recruiting two seasoned relationship bankers to open a loan production office, enhancing its commercial lending footprint.

Company News

APIChat
  • American Riviera Bancorp Announces Results for the First Quarter of 2026

  • American Riviera Bancorp Appoints Two New Directors

  • American Riviera Bancorp Announces Results for the Fourth Quarter of 2025

  • American Riviera Bancorp Announces Results for the Third Quarter of 2025

  • American Riviera Bancorp Announces Results for the Second Quarter of 2025

  • American Riviera Bancorp Announces Results for the First Quarter of 2025

  • American Riviera Bancorp Announces Results for the Fourth Quarter of 2024

  • American Riviera Bancorp Announces Results for the Third Quarter of 2024

  • American Riviera Bancorp Announces Share Repurchase Program

  • American Riviera Bancorp Announces Results for the First Quarter of 2024

  • American Riviera Bancorp Announces Results for the Fourth Quarter of 2023

  • American Riviera Bancorp Announces Results for the Third Quarter of 2023

  • American Riviera Bancorp Announces Results for the Second Quarter of 2023

  • American Riviera Bank to Webcast Live at VirtualInvestorConferences.com September 21st

  • American Riviera Bank: Santa Barbara County And Expanding

  • American Riviera Bank Reports Strong Core Loan Growth

  • OTC Markets Group Welcomes American Riviera Bank (Santa Barbara, CA) to OTCQX