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 (%)	- -	14.46	9.29	9.19	13.05	12.97	9.04	6.92	9.13
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 (%)	- -	14.46	9.29	9.19	13.05	12.97	9.04	6.92	9.13

Credit (USD)

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	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	45.11	9.94	10.61	8.68	7.42	8.66	9.61	10.24	10.36
Long-Term Debt/Equity (%)	- -	65.7	23.74	13.52	5.16	28.78	34	20.11	18.11
Long-Term Debt/Capital (%)	- -	39.48	19.16	11.98	4.88	18.42	14.83	12.55	13.24
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 (%)	- -	39.48	19.16	11.98	4.88	18.42	47.32	26.56	18.96
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 (%)	-317.9	-2.12	-202.67	367.83	153.63	-58.96	39.47	13.05	3.33
EBITDA	- -	1	1	1	2	1	2	1	1
EBITDA-CapEx	- -	-1	-1	1	1	1	-3	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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	45.11	9.94	10.61	8.68	7.42	8.66	9.61	10.24	10.36
Long-Term Debt/Equity (%)	- -	65.7	23.74	13.52	5.16	28.78	34	20.11	18.11
Long-Term Debt/Capital (%)	- -	39.48	19.16	11.98	4.88	18.42	14.83	12.55	13.24
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 (%)	- -	39.48	19.16	11.98	4.88	18.42	47.32	26.56	18.96
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	0.56	0.16	0.17	0.13	0.13	0.14	0.15	0.16	0.18

Working Capital (USD)

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	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)

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	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	27	79	97	83	104	96	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	12	32	5	-122	-374	-164	-22	23	32
Total Capital	20	101	94	96	102	136	231	178	175
Total Debt/Capital (%)	- -	39.48	19.16	11.98	4.88	18.42	47.32	26.56	18.96
Total Debt / EV	- -	1.25	3.69	-0.09	-0.01	-0.15	-4.88	2.09	1.05
EV/Sales	19.95	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	4.41	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)

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	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	12	32	5	-122	-374	-164	-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	19.95	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	1.36	1.29	1.27	0.99	1.07	0.87	0.78	0.89	0.96
Price/Book Value Average	1.44	1.43	1.2	0.87	1.03	0.91	0.77	0.78	0.83
Price/Book Value High	1.48	1.56	1.39	1.32	1.19	1.07	0.89	0.89	0.97
Price/Book Value Low	1.24	1.24	1.09	0.67	0.81	0.78	0.64	0.68	0.71
Price/Tangible Book Value	1.31	1.43	1.36	1.05	1.14	1.17	0.99	1.09	1.11
Price/Tangible Book Value Average	1.38	1.58	1.3	0.92	1.1	1.23	0.97	0.97	0.95
Price/Tangible Book Value High	1.43	1.73	1.5	1.39	1.26	1.45	1.13	1.09	1.11
Price/Tangible Book Value Low	1.19	1.37	1.18	0.71	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	22.49	3.32	1.48	- -	- -	1.28	3.9	2.85	2.5
EV/Sales High	24.07	3.64	1.96	- -	- -	1.64	4.22	3.15	2.89
EV/Sales Low	15.88	2.87	1.2	- -	- -	1	3.58	2.54	2.18
EV/EBITDA Average	- -	106.62	41.7	-37.56	-116.96	52.8	104.06	102.63	102.39
EV/EBITDA High	- -	116.95	55.2	-5.89	-107.41	67.7	112.52	113.31	118.18
EV/EBITDA Low	- -	92.22	33.7	-51.91	-130.33	41.41	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	14	86	43	-45	-187	64	183	129	129
Enterprise Value High	15	94	57	-7	-172	82	198	143	149
Enterprise Value Low	10	75	35	-62	-209	50	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	5.59	17.85	20.45	38.94	85.56	50.27	39.32	24.25	24.16
Book Value per Share	7.35	12.55	14.21	15.16	17.16	19.58	21.07	22.53	24.78
Tangible Book Value per Share	7.65	11.33	13.19	14.34	16.15	14.49	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)