American Riviera Bancorp Financial Ratios — ARBV Stock

Profitability (USD)

	2006 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	14.39	9.33	9.16	13.06	14.72	11.2	8.25	10.41
Return on Assets (%)	- -	1.78	0.96	0.87	1.04	1.04	0.83	0.69	0.94
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	3.11	3.56	3.34	3.75	2.42	3.75	2.78	2.44
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	32.1	30.4	29.11	38.37	37.37	30.97	27.13	31.27
Profit Margin (%)	-782.51	22.68	21.84	20.77	27.72	26.88	22.45	19.28	24.2
Net Income to Common Margin (%)	-782.51	22.68	21.84	20.77	27.72	26.88	22.45	19.28	24.2
Effective Tax Rate (%)	- -	29.34	28.16	28.65	27.76	28.06	27.52	28.93	22.62
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	14.39	9.33	9.16	13.06	14.72	11.2	8.25	10.41

Credit (USD)

Credit Ratios API ChatGPT

	2006 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	40	18	11	5	25	109	47	33
ST Debt	- -	- -	- -	- -	- -	- -	75	25	10
LT Debt	- -	40	18	11	5	25	34	22	23
Total Debt/EBITDA	- -	49.5	17.37	9.67	3.11	20.62	62.16	37.62	26.35
Net Debt/EBITDA	- -	-1.57	-54.25	-105.08	-182.57	-36.02	47.42	16.31	4.06
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	46.96	9.88	10.59	8.74	7.37	6.79	7.96	8.71	9.34
Long-Term Debt/Equity (%)	- -	65.7	23.74	13.52	5.16	28.78	34	20.11	18.11
Long-Term Debt/Capital (%)	- -	39.65	19.19	11.91	4.91	22.35	16.31	14.11	14.38
Long-Term Debt/Total Assets (%)	- -	6.49	2.51	1.18	0.38	1.95	2.7	1.75	1.69
Total Debt/Equity (%)	- -	65.7	23.74	13.52	5.16	28.78	108.52	42.56	25.95
Total Debt/Capital (%)	- -	39.65	19.19	11.91	4.91	22.35	52.04	29.85	20.6
Total Debt/Total Assets (%)	- -	6.49	2.51	1.18	0.38	1.95	8.63	3.71	2.42
Net Debt to Equity	-73.07	-2.09	-74.17	-146.88	-303.42	-50.29	82.79	18.45	4
Net Debt/Capital (%)	-271.4	-2.13	-203.51	374.21	153.05	-86.97	43.81	14.91	3.66
EBITDA	- -	1	1	1	2	1	2	1	1
EBITDA-CapEx	- -	-1	-1	1	1	1	-3	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2006 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	46.96	9.88	10.59	8.74	7.37	6.79	7.96	8.71	9.34
Long-Term Debt/Equity (%)	- -	65.7	23.74	13.52	5.16	28.78	34	20.11	18.11
Long-Term Debt/Capital (%)	- -	39.65	19.19	11.91	4.91	22.35	16.31	14.11	14.38
Long-Term Debt/Total Assets (%)	- -	6.49	2.51	1.18	0.38	1.95	2.7	1.75	1.69
Total Debt/Equity (%)	- -	65.7	23.74	13.52	5.16	28.78	108.52	42.56	25.95
Total Debt/Capital (%)	- -	39.65	19.19	11.91	4.91	22.35	52.04	29.85	20.6
Total Debt/Total Assets (%)	- -	6.49	2.51	1.18	0.38	1.95	8.63	3.71	2.42
CFO/Total Liabilities	- -	1.72	1.54	1.32	1.04	1.13	1.27	1.18	0.75
CFO/CapEx	- -	5.15	4.39	31.96	22.35	22.38	3.05	24.34	55.27
Altman's Z-Score	0.5	0.08	0.08	0.08	0.13	0.14	0.15	0.16	0.18

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2006 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	8.68	4.69	4.89	4.64	2.7	3.51	- -	- -
Days Sales Outstanding	- -	42.03	77.81	74.61	78.61	134.97	103.97	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2006 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	25	- -	- -	- -	104	97	95	116	137
- Cash & Cash Equivalents	15	41	66	130	292	62	20	21	21
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	40	18	11	5	25	109	47	33
Enterprise Value	10	-47	-92	-205	-374	-163	-22	23	32
Total Capital	21	101	94	96	101	112	210	159	161
Total Debt/Capital (%)	- -	39.65	19.19	11.91	4.91	22.35	52.04	29.85	20.6
Total Debt / EV	- -	-0.85	-0.2	-0.06	-0.01	-0.15	-4.88	2.09	1.05
EV/Sales	16.25	1.24	0.17	- -	- -	1.19	3.94	0.5	0.62
EV/EBITDA	- -	39.7	4.71	- -	- -	49.05	105.13	18	25.17
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	3.36	0.5	- -	- -	4.4	12.52	1.65	3.39
EV/Free Cash Flow to Firm	- -	2.81	0.4	- -	- -	4.22	9.43	1.58	3.33
Diluted Market Cap	27	79	97	83	104	96	95	116	137
Diluted Enterprise Value	12	78	48	-35	-183	60	185	143	148
EV per Share	3.91	6.57	0.91	- -	- -	10.52	32.02	3.9	5.54
TTM Sales	1	26	29	36	43	50	47	45	51
TTM EBITDA	- -	1	1	1	2	1	2	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	10	10	12	13	14	15	14	9
TTM Free Cash Flow to Firm	- -	11	12	12	13	14	20	14	10

Multiples (USD)

Valuation Multiples API ChatGPT

	2006 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	6.95	7.96	6.92	7.93	6.81	4.86	8.12	14.36
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	10	-47	-92	-205	-374	-163	-22	23	32
Low Price	9.1	15.51	15.55	10.18	13.91	15.36	13.51	15.25	17.6
EV/Sales	16.25	1.24	0.17	- -	- -	1.19	3.94	0.5	0.62
EV/EBITDA	- -	39.7	4.71	- -	- -	49.05	105.13	18	25.17
Price/Earnings	- -	13.46	15.11	11.31	8.81	7.14	9.05	13.31	10.97
Price/Earnings Average	-6.11	14.84	14.36	9.98	8.45	7.48	8.88	11.77	9.4
Price/Earnings High	-6.31	16.26	16.56	15.08	9.75	8.82	10.29	13.31	10.99
Price/Earnings Low	-5.26	12.87	13.06	7.68	6.65	6.45	7.41	10.15	8.08
Price/Book Value	1.2	- -	- -	- -	1.08	1.11	0.95	1.04	1.07
Price/Book Value Average	1.27	- -	- -	- -	1.04	1.16	0.93	0.92	0.92
Price/Book Value High	1.31	- -	- -	- -	1.2	1.37	1.07	1.04	1.07
Price/Book Value Low	1.09	- -	- -	- -	0.82	1	0.77	0.8	0.79
Price/Tangible Book Value	1.2	- -	- -	- -	1.14	1.18	0.99	1.09	1.11
Price/Tangible Book Value Average	1.27	- -	- -	- -	1.09	1.23	0.97	0.97	0.95
Price/Tangible Book Value High	1.31	- -	- -	- -	1.26	1.46	1.13	1.09	1.11
Price/Tangible Book Value Low	1.09	- -	- -	- -	0.86	1.06	0.81	0.83	0.82
Price/Sales	45.27	3.05	3.3	2.35	2.44	1.92	2.03	2.57	2.66
Price/Sales Average	47.8	3.37	3.14	2.07	2.34	2.01	1.99	2.27	2.27
Price/Sales High	49.39	3.69	3.62	3.13	2.7	2.37	2.31	2.57	2.66
Price/Sales Low	41.2	2.92	2.85	1.59	1.84	1.73	1.66	1.96	1.96
Price/Cash Flow	- -	8.3	9.77	7.13	8.29	7.12	6.45	8.46	14.62
Price/Cash Flow Average	- -	9.14	9.28	6.3	7.95	7.45	6.32	7.48	12.52
Price/Cash Flow High	- -	10.02	10.7	9.51	9.16	8.79	7.33	8.46	14.65
Price/Cash Flow Low	- -	7.93	8.44	4.84	6.25	6.43	5.28	6.45	10.77
Price/Free Cash Flow Average	- -	7.66	7.56	6.11	7.61	7.14	4.76	7.18	12.3
Price/Free Cash Flow High	- -	8.39	8.72	9.22	8.77	8.42	5.52	8.12	14.39
Price/Free Cash Flow Low	- -	6.64	6.87	4.69	5.98	6.16	3.98	6.19	10.57
EV/Sales Average	18.58	3.32	1.48	- -	- -	1.29	3.9	2.85	2.5
EV/Sales High	20.03	3.64	1.96	- -	- -	1.65	4.22	3.15	2.89
EV/Sales Low	12.51	2.87	1.2	- -	- -	1.01	3.58	2.54	2.18
EV/EBITDA Average	- -	-1.57	-46.49	-99.62	-116.99	53.14	104.06	102.63	102.39
EV/EBITDA High	- -	-1.57	-46.49	-99.62	-107.44	68.1	112.52	113.31	118.18
EV/EBITDA Low	- -	-1.57	-46.49	-99.62	-130.36	41.69	95.32	91.39	89.32
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	10	16.23	18	15	18.45	17	16.5	20	23.9
High Price	10.91	19.6	19.72	20	20.4	21	18.75	20	23.95
Enterprise Value Average	11	-1	-48	-118	-187	65	183	129	129
Enterprise Value High	12	-1	-48	-118	-172	83	198	143	149
Enterprise Value Low	8	-1	-48	-118	-209	51	167	115	112

Shares Outstanding	3	- -	- -	- -	6	6	6	6	6
Diluted Weighted Avg Shares	3	5	5	6	6	6	6	6	6
Basic Weighted Avg Shares	3	5	5	6	6	6	6	6	6
Revenue per Share	0.22	5.31	5.45	6.39	7.55	8.85	8.12	7.8	9
EBITDA per Share	- -	0.17	0.19	0.21	0.28	0.21	0.3	0.22	0.22
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 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
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	1.96	1.84	2.1	2.23	2.39	2.56	2.36	1.63
Free Cash Flow per Basic Share	- -	1.58	1.42	2.04	2.13	2.28	1.72	2.27	1.61
Cash & Equivalents per Share	6.09	- -	- -	- -	85.6	50.07	39.32	24.25	24.16
Book Value per Share	8.33	- -	- -	- -	17.04	15.3	17.45	19.15	22.35
Tangible Book Value per Share	8.33	- -	- -	- -	16.16	14.43	16.59	18.31	21.49

American Riviera Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)