American Riviera Bancorp

ARBV

ARBVAmerican Riviera Bancorp US flag

Other OTC

26.04

USD

+0.05

- -

149.73MMarket Cap

Income Statement (USD)

API Chat

	2006 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	1	26	29	36	43	50	47	45	51
+ Sales & Services Revenue	1	26	29	36	43	50	47	45	51
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	2	12	13	17	17	20	21	22	23
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-2	-12	-13	-17	-17	-20	-21	-22	-23
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	-8	-9	-10	-16	-19	-15	-12	-16
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	-8	-9	-10	-16	-19	-15	-12	-16
Pretax Income	- -	8	9	10	16	19	15	12	16
- Income Tax Expense (Benefit)	- -	2	3	3	5	5	4	4	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	-5	6	6	7	12	13	11	9	12
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	-5	6	6	7	12	13	11	9	12
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	-5	6	6	7	12	13	11	9	12
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	-5	6	6	7	12	13	11	9	12
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	1	1	1	2	1	2	1	1
EBITDA Margin (%)	- -	3.11	3.56	3.34	3.75	2.42	3.75	2.78	2.44
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	-782.51	22.68	21.84	20.77	27.72	26.88	22.45	19.28	24.2
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	1	1	1	2	1	2	1	1
Basic Weighted Avg Shares	3	5	5	6	6	6	6	6	6
Basic EPS, GAAP	-1.73	1.21	1.19	1.33	2.09	2.38	1.82	1.5	2.18
Basic EPS from Cont Ops	-1.73	1.21	1.19	1.33	2.09	2.38	1.82	1.5	2.18
Diluted Weighted Avg Shares	3	5	5	6	6	6	6	6	6
Diluted EPS, GAAP	-1.73	1.21	1.19	1.33	2.09	2.38	1.82	1.5	2.18
Diluted EPS from Cont Ops	-1.73	1.21	1.19	1.33	2.09	2.38	1.82	1.5	2.18

Balance Sheet (USD)

API Chat

	2006 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	15	87	110	217	484	285	227	141	138
+ Cash & Cash Equivalents	15	41	66	130	292	62	20	21	21
+ ST Investments	- -	46	43	87	191	223	207	120	117
+ Accounts & Notes Receiv	- -	6	7	8	10	27	- -	- -	- -
+ Accounts Receivable, Net	- -	6	7	8	10	27	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-15	-93	-116	-225	-494	-312	-227	-141	-138
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	- -	5	15	12	10	12	14	13	13
+ Property, Plant & Equip	- -	9	19	18	16	19	21	21	22
- Accumulated Depreciation	- -	4	4	5	6	7	7	8	9
+ LT Investments & Receivables	- -	49	47	90	196	270	255	226	218
+ LT Investments	- -	49	47	90	196	270	255	226	218
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	- -	-54	-61	-103	-206	-282	-269	-239	-231
+ Total Intangible Assets	- -	6	5	5	5	5	5	5	5
+ Goodwill	- -	5	5	5	5	5	5	5	5
+ Other Intangible Assets	- -	1	1	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	- -	-59	-67	-108	-211	-287	-274	-244	-236
Total Assets	45	617	719	972	1,307	1,283	1,265	1,279	1,367
+ Payables & Accruals	- -	2	4	3	3	7	- -	- -	- -
+ Accounts Payable	- -	2	4	3	3	7	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	75	25	10
+ ST Borrowings	- -	- -	- -	- -	- -	- -	75	25	10
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	-2	-4	-3	-3	-7	-75	-25	-10
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	-2	-4	-3	-3	-7	-75	-25	-10
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	40	18	11	5	25	34	22	23
+ LT Borrowings	- -	40	10	5	- -	18	28	16	16
+ LT Finance Leases	- -	- -	8	6	5	7	6	6	7
+ Other LT Liabilities	- -	-40	-18	-11	-5	-25	-34	-22	-23
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	-40	-18	-11	-5	-25	-34	-22	-23
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	24	556	643	887	1,210	1,195	1,164	1,168	1,240
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	26	46	55	56	57	66	67	68	67
+ Common Stock	25	46	55	56	57	66	67	68	67
+ Additional Paid in Capital	1	- -	- -	- -	- -	- -	- -	- -	- -
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	-5	15	21	29	40	45	54	63	74
+ Other Equity	- -	- -	- -	1	-1	-24	-21	-20	-14
Equity Before Minority Interest	21	61	76	85	96	87	101	111	128
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	21	61	76	85	96	87	101	111	128
Total Liabilities & Equity	45	617	719	972	1,307	1,283	1,265	1,279	1,367
Shares Outstanding	3	- -	- -	- -	6	6	6	6	6
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	8	6	5	7	6	6	7
Net Debt	-15	-1	-56	-125	-292	-44	83	21	5
Net Debt to Equity	-73.07	-2.09	-74.17	-146.88	-303.42	-50.29	82.79	18.45	4
Tangible Common Equity Ratio	46.96	9.06	9.92	8.25	7.01	6.43	7.6	8.35	9.01
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2006 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	- -	6	6	7	12	13	11	9	12
+ Depreciation & Amortization	- -	1	1	1	2	1	2	1	1
+ Non-Cash Items	- -	2	2	5	1	1	3	2	-5
+ Stock-Based Compensation	- -	- -	1	1	1	1	1	1	1
+ Deferred Income Taxes	- -	- -	- -	-1	-1	-1	1	- -	-1
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	2	1	5	- -	1	1	1	-5
+ Chg in Non-Cash Work Cap	- -	1	1	-2	-1	-3	-1	1	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	-1	-2	-6	1	- -	1
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	1	1	-1	- -	4	-1	1	-1
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	- -	10	10	12	13	14	15	14	9
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-2	-2	- -	-1	-1	-5	-1	- -
+ Acq of Fixed Prod Assets	- -	-2	-2	- -	-1	-1	-5	-1	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	8	- -	- -	- -	- -	- -	-3
+ Increase in Capital Stock	- -	- -	8	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	-3
+ Net Change in LT Investment	- -	-13	3	-43	-108	-108	19	30	16
+ Dec in LT Investment	- -	4	24	25	19	22	33	32	36
+ Inc in LT Investment	- -	-17	-22	-68	-126	-129	-15	-2	-20
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	- -	-94	-95	-217	-230	119	1	-42	-96
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	- -	-109	-95	-260	-338	11	14	-13	-81
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	- -	- -	-5	-5	- -	85	-62	-15
+ Cash From Debt	- -	- -	- -	- -	- -	- -	85	- -	- -
+ Repayments of Debt	- -	- -	- -	-5	-5	- -	- -	-62	-15
+ Other Financing Activities	- -	95	78	251	330	-21	-114	63	86
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	- -	95	86	246	325	-21	-29	2	69
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	- -	-5	1	-3	- -	4	- -	3	-3
EBITDA	- -	1	1	1	2	1	2	1	1
EBITDA Margin (%)	- -	3.11	3.56	3.34	3.75	2.42	3.75	2.78	2.44
Free Cash Flow	- -	8	8	11	12	13	10	13	9
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	- -	8	8	11	12	13	10	13	9
Free Cash Flow to Equity	- -	8	8	6	7	13	95	-48	-6
Free Cash Flow per Basic Share	- -	1.58	1.42	2.04	2.13	2.28	1.72	2.27	1.61
Price/Free Cash Flow	- -	6.95	7.96	6.92	7.93	6.81	4.86	8.12	14.36
Cash Flow to Net Income	- -	1.62	1.55	1.59	1.06	1	1.4	1.57	0.75
Capital Expenditures	- -	-2	-2	- -	-1	-1	-5	-1	- -