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American Riviera Bancorp (ARBV)

American Riviera Bancorp (ARBV) operates as a community bank, delivering a diverse range of financial products and services to both businesses and individual consumers across California. Clients can access a diverse portfolio of deposit products, ranging from standard checking and savings accounts to money market accounts, individual retirement arrangements, and certificates of deposit. The bank also extends an extensive array of financing options. These include various forms of consumer credit like auto, boat, airplane, single-family residence, and home improvement loans, alongside home equity lines of credit. For commercial clients, it offers financing for business acquisition, partner buyouts, equipment, agriculture, commercial real estate, multi-family properties, condominiums, and land. Other lending products encompass overdraft protection, term loans, special purpose financing, standby letters of credit, temporary bridge loans, and credit lines secured by assets or provided to trusts. Complementing its core financial services, ARBV provides a suite of modern banking and ancillary offerings, such as online and mobile banking, remote deposit capture, wire transfers, merchant and payroll services, and ATM access. It also supplies safe deposit boxes and issues debit and credit cards. A network of full-service branches serves communities in Santa Barbara, Montecito, Goleta, San Luis Obispo, and Paso Robles. Established in 2006, the bank maintains its corporate headquarters in Santa Barbara, California.

Sector: Banks - Regional

Industry: Banks - Regional

American Riviera Bancorp logo

American Riviera Bancorp

OTC:ARBVFinancial Services
+0.00%$28.50
Mkt Cap$164.22M
Float5.73M
O/S5.76M
Inst Own-
SI<0.1%
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$69.08M
Net Income$12.45M
Total Assets$1.37B
Free Cash Flow$9.17M
Debt & Equity
Debt 17%
Equity 83%
Total Debt$26.5M
Total Equity$127.67M
Shares Outstanding
Short Interest
Split History1 split
  1. 1.1:1Forward split
    Nov 9, 20221 share → 1.1
Balance Sheet Details
Assets$1.37B
Liabilities$1.24B
Accounts Receivable$0
Accounts Payable$0
Inventory$0
PP&E (Net)$12.84M
Goodwill$4.87M
Intangible Assets$0
Income Statement
PeriodFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016FY 2015FY 2014FY 2013FY 2012FY 2006
CurrencyUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Period Ending2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312006-12-31
Revenue$69.08M$64.25M$46.59M$52.13M$43.62M$37.64M$33.53M$28.06M$23.37M$22.31M$10.04M$9.14M$8.47M$7.5M$801K
YoY Growth7.5%37.9%-10.6%19.5%15.9%12.3%19.5%20.0%4.8%122.1%9.9%7.9%12.9%836.6%-
Cost of Revenue$18.69M$19.3M$68K$3.08M$1.29M$4.23M$5.05M$3.39M$0$0$0$0$0$0$331K
Gross Profit$50.39M$44.95M$46.52M$49.05M$42.34M$33.4M$28.47M$24.67M$23.37M$22.31M$10.04M$9.14M$8.47M$7.5M$470K
Gross Margin72.9%70.0%99.9%94.1%97.1%88.8%84.9%87.9%100.0%100.0%100.0%100.0%100.0%100.0%58.7%
Research and Development$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
Selling, General, and Administrative$25.56M$24.78M$23.47M$19.85M$19.2M$17.12M$13.21M$11.74M$10.24M$9.59M$5.32M$5.07M$4.71M$3.93M$1.78M
Other$8.74M$7.87M$11.6M$10.44M$6.76M$5.94M$6.36M$4.59M-$4.11M-$3.89M$0$0$0$0-$1.31M
Total Operating Expenses$34.3M$32.65M$23.47M$30.29M$25.96M$23.06M$19.57M$16.34M$4.11M$3.89M$7.59M$6.57M$6.13M$5.53M$470K
Operating Income (EBIT)$16.08M$12.3M$23.12M$18.76M$16.38M$10.34M$8.9M$8.34M$7.7M$8.09M$3.02M$2.57M$2.35M$2.32M$0
Operating Margin23.3%19.1%49.6%36.0%37.5%27.5%26.5%29.7%32.9%36.3%30.1%28.1%27.7%30.9%-
Interest Expense$17.66M$18.91M$11.39M$1.93M$948K$2.11M$4.25M$2.09M$0$0$0$0$0$0$195K
Interest Income$65.56M$60.13M$55.68M$48.78M$40.04M$34.77M$30.73M$26.29M$0$0$0$0$0$0$789K
Other Income (Expense)$0$0-$8.62M$0$0$0$0$0-$3.49M-$1.06M-$2.27M-$1.51M-$1.42M-$348K$0
Income Before Tax (EBT)$16.08M$12.3M$14.5M$18.76M$16.38M$10.34M$8.9M$8.34M$7.7M$7.03M$2.45M$2.57M$2.34M$1.97M$0
Income Tax Expense$3.64M$3.56M$3.99M$5.26M$4.55M$2.96M$2.51M$2.45M$4.16M$2.9M$1.15M$998K$938K$777K$0
Net Income$12.45M$8.74M$10.51M$13.49M$11.83M$7.38M$6.39M$5.89M$3.54M$4.13M$1.3M$1.57M$1.4M$1.19M-$4.74M
Net Income Margin18.0%13.6%22.6%25.9%27.1%19.6%19.1%21.0%15.1%18.5%13.0%17.2%16.5%15.9%-592.0%
Supplementary Data
EPS2.181.501.822.382.091.321.191.210.730.870.440.540.490.43-1.73
Diluted EPS2.181.501.822.382.091.321.191.210.730.870.440.540.490.43-1.73
Weighted Average OS5.71M5.82M5.77M5.67M5.65M5.56M5.38M4.89M4.83M4.76M2.96M2.92M2.87M2.79M2.74M
EBITDA$16.08M$13.56M$16.26M$19.97M$17.98M$11.53M$9.94M$9.14M$566K$7.85M$2.78M$2.97M$2.72M$2.27M$0
EBITDA Margin23.3%21.1%34.9%38.3%41.2%30.6%29.6%32.6%2.4%35.2%27.6%32.5%32.1%30.3%-
Balance Sheet
PeriodFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016FY 2015FY 2014FY 2013FY 2012FY 2006
CurrencyUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Period Ending2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312006-12-31
Assets
Current Assets
Cash and Cash Equivalents$21.39M$20.95M$11.99M$61.8M$292.11M$129.73M$66.47M$41.27M$3.54M$31.28M$7.76M$15.32M$7.78M$10.7M$15.34M
Short-Term Investments$169.79M$177.93M$0$223.19M$191.42M$0$0$45.95M$0$0$0$0$0$0$0
Cash and Short-Term Investments$191.19M$198.88M$11.99M$284.99M$483.53M$129.73M$66.47M$87.22M$3.54M$31.28M$7.76M$15.32M$7.78M$10.7M$15.34M
Accounts Receivable$0$0$0$26.68M$10.44M$7.94M$6.58M$5.9M$0$0$0$0$0$0$82K
Inventory$0$0$0$0$0$0-$68.68M$0$0$0$0$0$0$0$0
Other Current Assets$0$0$12.82M$0$0$0$68.68M$0$48.47M$65.94M$0$0$0$0$0
Total Current Assets$191.19M$198.88M$24.8M$311.67M$493.98M$137.67M$73.06M$93.12M$48.47M$65.94M$7.76M$15.32M$7.78M$10.7M$15.42M
Long-Term Assets
Property, Plant & Equipment Net$12.84M$13.06M$13.99M$12.35M$10.43M$12.47M$14.54M$5.3M$3.9M$1.3M$901K$1.08M$1.29M$862K$1.94M
Goodwill$4.87M$4.8M$4.8M$4.8M$4.8M$4.8M$4.8M$4.8M$4.8M$4.8M$0$0$0$0$0
Intangible Assets$0$110K$129K$147K$179K$358K$537K$716K$895K$1.07M$0$0$0$0$0
Long-Term Investments$1.12B$1.03B$14.4M$943.74M$788.51M$90.32M$46.63M$505.55M$33.98M$35.6M$0$0$0$0$52K
Deferred Tax Assets$0$0$13.19M$0$0$6.17M$5.82M$0$2.9M$4.49M$0$0$0$0$0
Other Long-Term Assets$41.17M$35.76M$1.19B$9.86M$8.64M-$6.17M-$5.82M$7.06M$420.54M$333.24M$240.11M$208.71M$174.24M-$862K-$1.99M
Total Long-Term Assets$1.18B$1.08B$1.24B$970.9M$812.56M$107.94M$66.5M$523.42M$467.02M$380.51M$241.01M$209.79M$175.53M$862K$1.99M
Other Assets$0$0$0$0$0$726.01M$579.38M$0$0$0$0$0$0$159.85M$27.3M
Total Assets$1.37B$1.28B$1.27B$1.28B$1.31B$971.62M$718.93M$616.54M$515.49M$446.45M$248.77M$225.11M$183.31M$171.41M$44.71M
Liabilities
Current Liabilities
Accounts Payable$0$0$0$6.88M$3.21M$3.13M$3.55M$2.35M$0$0$0$0$0$0$28K
Short-Term Debt$0$25M$1.42M$0$0$6.45M$0$0$10M$2M$0$0$0$0$0
Current Income Tax Payable$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
Current Unearned Revenue$0$0$0$0$0-$3.33M-$7.94M$0$0$0$0$0$0$0$0
Other Current Liabilities$1.2B$1.11B$951.45M$1.16B$1.2B-$3.13M$7.94M$513.31M$400.25M$349.46M$0$0-$21K$0-$33K
Total Current Liabilities$1.2B$1.14B$953.43M$1.17B$1.21B$3.13M$3.55M$515.65M$410.43M$351.55M$39K$42K$21K$30K$28K
Long-Term Liabilities
Long-Term Debt$26.5M$16.5M$103M$18M$0$5M$0$40M$0$0$0$0$2M$5M$0
Long-Term Unearned Revenue$0$0$0$0$0$8.31M$15M$0$0$0$0$0$0$0$0
Long-Term Deferred Tax Liabilities$0$0$0$0$0$3.17M$3.08M$0$366K$172K$0$0$0$0$0
Other Long-Term Liabilities$13.1M$7.19M$1.06B$1.17B$1.21B-$5M$0$0$50.01M$43.77M$0$0$156.07M-$5M$0
Total Long-Term Liabilities$39.6M$29.59M$1.16B$25.07M$4.97M$11.48M$18.08M$40M$50.37M$43.94M$0$0$158.05M$5M$0
Other Liabilities$0$0-$953.43M$0$0$872.1M$621.16M$0$0$0$0$0$0$142.71M$23.71M
Total Liabilities$1.24B$1.17B$1.16B$1.2B$1.21B$886.7M$642.79M$555.65M$460.8M$395.49M$39K$42K$158.07M$147.74M$23.71M
Stockholders' Equity
Preferred Stock$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
Common Stock$68.77M$68.04M$67.3M$66.35M$56.56M$55.74M$55.03M$46.48M$45.9M$45.6M$27.25M$27.03M$26.86M$26.61M$24.91M
Retained Earnings$72.83M$63.01M$54.27M$44.67M$40.43M$28.6M$21.22M$14.83M$8.91M$5.38M$1.25M-$54K-$1.62M-$3.02M-$4.74M
Comprehensive Income & Other-$13.92M-$19.67M-$20.93M-$23.92M-$723K$578K-$115K-$421K-$125K-$21K-$30K-$10K-$5K$0$2K
Other Stockholders' Equity-$13.92M-$19.67M-$20.93M-$23.92M-$723K$578K-$115K-$421K-$125K-$21K-$30K-$10K-$5K$91K$827K
Total Equity$127.67M$111.38M$100.64M$87.1M$96.27M$84.92M$76.14M$60.89M$54.69M$50.96M$28.47M$26.96M$25.23M$23.68M$21M
Minority Interest$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
Total Liabilities and Equity$1.37B$1.28B$1.27B$1.28B$1.31B$971.62M$718.93M$616.54M$515.49M$446.45M$28.51M$27M$183.31M$171.41M$44.71M
Supplementary Data
Total Debt$26.5M$47.4M$109.22M$25.07M$4.97M$11.48M$18.08M$40M$10M$2M$0$0$2M$0$0
Net Debt$5.11M$26.45M$97.23M-$36.73M-$287.14M-$118.25M-$48.39M-$1.27M$6.46M-$29.28M-$7.76M-$15.32M-$5.78M-$10.7M-$15.34M
Cash Flow Statement
PeriodFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016FY 2015FY 2014FY 2013FY 2012
CurrencyUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Period Ending2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-31
Operating Activities
Net Income$12.45M$8.74M$10.51M$13.49M$11.83M$7.38M$6.39M$5.89M$3.54M$4.13M$1.3M$1.57M$1.4M$1.19M
Depreciation & Amortization$0$1.26M$1.76M$1.22M$1.6M$1.19M$1.04M$808K$566K$798K$325K$399K$382K$299K
Deferred Income Tax$0$0$0-$733K-$722K-$547K$188K$38K$0$0$0$0$0$0
Stock-Based Compensation$0$0$1.33M$1.02M$871K$828K$736K$434K$380K$217K$232K$233K$235K$226K
Changes in Working Capital:
  Accounts Receivable$0$113K$585K-$6.31M-$1.57M-$1.11M-$813K-$119K-$1.2M-$658K-$315K-$142K$30K$81K
  Inventory$0$0$0-$3.45M$144K$762K-$960K$0$0$0$0$0$0$0
  Accounts Payable$0$0-$1.38M$3.67M$81K-$669K$1.16M$687K$0$0$0$0$0$0
  Other Working Capital$339K$828K-$795K$3.45M-$144K-$762K$960K$739K$29K-$508K$386K$224K-$635K$0
Total Working Capital Change$339K$941K-$1.07M-$2.64M-$1.49M-$1.77M$349K$568K-$1.02M-$999K$71K$82K-$605K$81K
Other Non-Cash Items-$3.44M$2.81M$2.23M$1.19M$497K$4.63M$1.18M$1.82M$3.59M$2.5M$552K-$70K$6.52M$1.59M
Net Cash from Operating$9.34M$13.75M$14.76M$13.54M$12.58M$11.7M$9.89M$9.56M$5.54M$4.83M$2.48M$2.21M$7.93M$3.08M
Investing Activities
Capital Expenditures-$1.59M-$565K-$6.44M-$605K-$563K-$366K-$2.25M-$1.86M-$2.89M-$382K-$92K-$145K-$760K-$401K
Acquisitions$0$0$0$0-$228.91M-$215.72M-$94.6M-$93.11M$8K$27.12M$0$0$0$0
Purchases of Investments-$20.46M-$1.93M$0-$129.48M-$126.43M-$68.13M-$21.55M-$16.77M-$31.28M$0$0$0$0$0
Sales of Investments$36.42M$31.65M$0$21.87M$18.88M$25M$24.37M$3.58M$3.15M$2.85M$0$0$0$0
Other Investing Activities-$94.94M-$41.98M$20.79M$119.5M-$912K-$1.18M-$586K-$606K-$83.69M-$19.67M-$31.62M-$35.14M-$20.83M-$27.58M
Net Cash from Investing-$80.57M-$12.82M$14.35M$11.28M-$337.94M-$260.39M-$94.62M-$108.77M-$86.58M$7.05M-$31.71M-$35.29M-$21.59M-$27.98M
Financing Activities
Debt Repaid-$61.5M-$85M-$18M$5M-$30M-$30M-$8M-----
Common Stock Issuance$0$0$0$0$105K$29K$8.04M$356K$46K$389K$0$0$0$0
Common Stock Repurchases-$2.65M-$516K-$376K-$344K$0$0$0-$208K-$136K-$1.92M-$22K-$99K-$48K-$24K
Dividends Paid$0$0$0$0$0$0$0$0$0$0$0$0$0$0
Other Financing Activities$86.19M$63.66M-$113.85M-$38.56M$329.79M$250.96M$85.91M$64.91M$56.98M$11.67M$21.68M$39.75M$10.9M$27.44M
Net Cash from Financing$68.53M$1.64M-$29.22M-$20.91M$324.89M$245.81M$85.68M$94.7M$64.84M$11.64M$21.66M$39.68M$10.85M$27.44M
Forex Effect$2.7M$0$0$0$0$0$0$0$0$0$0$0$0$0
Net Change in Cash$0$2.57M-$110K$3.91M-$463K-$2.88M$951K-$4.51M-$16.19M$23.52M-$7.57M$6.61M-$2.8M$2.54M
Supplementary Data
Operating Cash Flow$9.34M$13.75M$14.76M$13.54M$12.58M$11.7M$9.89M$9.56M$5.54M$4.83M$2.48M$2.21M$7.93M$3.08M
Capital Expenditure-$169K-$565K-$4.84M-$605K-$563K-$366K-$2.25M-$1.86M-$2.89M-$382K-$92K-$145K-$760K-$401K
Free Cash Flow$9.17M$13.19M$9.92M$12.94M$12.02M$11.33M$7.64M$7.7M$2.65M$4.45M$2.39M$2.07M$7.17M$2.68M
Cash at Beginning$0$11.99M$12.1M$8.18M$8.65M$11.53M$10.58M$15.09M$31.28M$7.76M$15.32M$8.71M$11.51M$8.97M
Cash at End$0$14.55M$11.99M$12.1M$8.18M$8.65M$11.53M$10.58M$15.09M$31.28M$7.76M$15.32M$8.71M$11.51M