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
- 1.1:1Forward splitNov 9, 20221 share → 1.1
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2006-12-31 |
| 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 Growth | 7.5% | 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 Margin | 72.9% | 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 Margin | 23.3% | 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 Margin | 18.0% | 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 | |||||||||||||||
| EPS | 2.18 | 1.50 | 1.82 | 2.38 | 2.09 | 1.32 | 1.19 | 1.21 | 0.73 | 0.87 | 0.44 | 0.54 | 0.49 | 0.43 | -1.73 |
| Diluted EPS | 2.18 | 1.50 | 1.82 | 2.38 | 2.09 | 1.32 | 1.19 | 1.21 | 0.73 | 0.87 | 0.44 | 0.54 | 0.49 | 0.43 | -1.73 |
| Weighted Average OS | 5.71M | 5.82M | 5.77M | 5.67M | 5.65M | 5.56M | 5.38M | 4.89M | 4.83M | 4.76M | 2.96M | 2.92M | 2.87M | 2.79M | 2.74M |
| 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 Margin | 23.3% | 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% | - |
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 | FY 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2006-12-31 |
| 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 |
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 |
| 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 |