AMRB:NSD-American River Bankshares (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 14.54

Change

-0.06 (-0.41)%

Market Cap

USD 0.09B

Volume

2.68K

Average Target Price

N/A
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

American River Bankshares operates as the holding company for American River Bank that provides commercial banking products and services in the United States. The company accepts checking and savings deposits; and offers money market deposit accounts and certificates of deposit. It also provides commercial, commercial real estate, multi-family real estate, commercial and residential real estate construction, residential real estate, agriculture, consumer, and other installment and term loans, as well as other customary banking services. In addition, the company conducts lease financing for various types of business equipment ranging from computer software to heavy earth-moving equipment. It operates four full-service banking offices in Sacramento County, one full-service banking office in Placer County, two full-service banking offices in Sonoma County, and three full-service banking offices in Amador County. The company serves small and mid-sized businesses, and individuals. The company was formerly known as American River Holdings and changed its name to American River Bankshares in 2004. American River Bankshares was founded in 1983 and is headquartered in Rancho Cordova, California.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-03-04 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

-0.07 (-0.27%)

USD27.88B 37.07 N/A
SIVB SVB Financial Group

-11.98 (-2.33%)

USD26.73B 22.50 N/A
FITB Fifth Third Bancorp

-0.35 (-0.97%)

USD25.45B 19.62 N/A
FITBI Fifth Third Bancorp

+0.14 (+0.50%)

USD19.55B 15.27 N/A
HBAN Huntington Bancshares Incorpor..

-0.15 (-0.94%)

USD16.20B 23.09 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD13.18B 36.78 N/A
SBNY Signature Bank

-5.57 (-2.51%)

USD11.80B 22.12 N/A
ZION Zions Bancorporation, National..

N/A

USD8.91B 17.96 N/A
CBSH Commerce Bancshares, Inc

-0.95 (-1.26%)

USD8.86B 26.03 N/A
PBCT People's United Financial, Inc

-0.40 (-2.19%)

USD7.78B 37.40 N/A

ETFs Containing AMRB

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 10.57% 28% F 61% D-
Dividend Return 0.53% 20% F 39% F
Total Return 11.10% 29% F 61% D-
Trailing 12 Months  
Capital Gain 8.10% 41% F 36% F
Dividend Return 2.08% 24% F 45% F
Total Return 10.19% 40% F 36% F
Trailing 5 Years  
Capital Gain 46.72% 53% F 51% F
Dividend Return 9.99% 16% F 34% F
Total Return 56.71% 50% F 51% F
Average Annual (5 Year Horizon)  
Capital Gain 0.23% 53% F 40% F
Dividend Return 1.50% 31% F 42% F
Total Return 1.73% 48% F 39% F
Risk Return Profile  
Volatility (Standard Deviation) 20.64% 56% F 68% D+
Risk Adjusted Return 8.36% 48% F 38% F
Market Capitalization 0.09B 8% F 18% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 12.17 67% D+ 69% D+
Price/Book Ratio 0.94 75% C 90% A-
Price / Cash Flow Ratio N/A N/A N/A N/A N/A
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.02% 48% F 71% C-
Return on Invested Capital -2.36% 18% F 43% F
Return on Assets 0.89% 49% F 57% F
Debt to Equity Ratio 14.81% 71% C- 70% C-
Technical Ratios  
Short Ratio 3.39 60% D- 36% F
Short Percent 0.42% 87% B+ 90% A-
Beta 0.74 71% C- 76% C
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector