AMRB:NSD-American River Bankshares (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 17.69

Change

-0.24 (-1.34)%

Market Cap

USD 0.11B

Volume

8.68K

Average Target Price

N/A
Average Analyst Rating

Verdict

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. It accepts checking and savings deposits; and offers money market deposit accounts and certificates of deposit. The company 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. It also conducts lease financing for various types of business equipment ranging from computer software to heavy earth-moving equipment. The company 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. It 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: 2021-06-17 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

-21.68 (-3.82%)

USD30.80B 18.66 N/A
HBANN Huntington Bancshares Incorpor..

-0.11 (-0.42%)

USD28.51B 22.91 N/A
FITB Fifth Third Bancorp

-2.52 (-6.21%)

USD28.47B 14.90 N/A
HBAN Huntington Bancshares Incorpor..

-0.85 (-5.92%)

USD21.23B 12.58 N/A
FITBI Fifth Third Bancorp

+0.20 (+0.70%)

USD20.08B 10.55 N/A
SBNY Signature Bank

-14.09 (-5.45%)

USD14.93B 22.79 N/A
HBANO Huntington Bancshares Incorpor..

-0.02 (-0.08%)

USD13.19B 22.23 N/A
ZION Zions Bancorporation, National..

-3.51 (-6.37%)

USD9.03B 11.21 N/A
CBSH Commerce Bancshares, Inc

-2.83 (-3.73%)

USD8.88B 21.06 N/A
FCNCA First Citizens BancShares, Inc

-33.51 (-3.84%)

USD8.34B 15.34 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 34.52% 75% C 78% C+
Dividend Return 1.06% 27% F 48% F
Total Return 35.59% 75% C 78% C+
Trailing 12 Months  
Capital Gain 72.42% 75% C 72% C-
Dividend Return 2.73% 26% F 50% F
Total Return 75.15% 75% C 72% C-
Trailing 5 Years  
Capital Gain 65.95% 67% D+ 56% F
Dividend Return 9.94% 18% F 36% F
Total Return 75.89% 65% D 56% F
Average Annual (5 Year Horizon)  
Capital Gain 3.02% 57% F 39% F
Dividend Return 1.66% 31% F 46% F
Total Return 4.67% 54% F 38% F
Risk Return Profile  
Volatility (Standard Deviation) 28.84% 45% F 62% D-
Risk Adjusted Return 16.18% 50% F 35% F
Market Capitalization 0.11B 11% F 20% 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 12.74 54% F 65% D
Price/Book Ratio 1.19 51% F 84% B
Price / Cash Flow Ratio 16.16 34% F 28% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 9.20% 42% F 68% D+
Return on Invested Capital 6.52% 55% F 69% D+
Return on Assets 1.01% 42% F 55% F
Debt to Equity Ratio 14.81% 70% C- 66% D
Technical Ratios  
Short Ratio 0.13 98% A+ 95% A
Short Percent 0.08% 92% A- 95% A
Beta 0.87 60% D- 69% D+
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:
Positive cash flow

The company had positive total cash flow in the most recent four quarters.

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.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

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

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

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