AMRB:NSD-American River Bankshares (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 19.95

Change

+0.18 (+0.91)%

Market Cap

USD 0.12B

Volume

0.01M

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: 2021-05-05 )

Largest Industry Peers for Banks-Regional

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

+8.66 (+1.51%)

USD30.66B 18.58 N/A
FITB Fifth Third Bancorp

+0.23 (+0.56%)

USD29.40B 15.18 N/A
HBANN Huntington Bancshares Incorpor..

-0.18 (-0.69%)

USD28.49B 22.89 N/A
FITBI Fifth Third Bancorp

-0.04 (-0.14%)

USD19.92B 10.46 N/A
HBAN Huntington Bancshares Incorpor..

+0.07 (+0.45%)

USD15.76B 13.56 N/A
SBNY Signature Bank

+2.96 (+1.17%)

USD14.63B 22.39 N/A
HBANO Huntington Bancshares Incorpor..

-0.01 (-0.04%)

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

+0.85 (+1.48%)

USD9.40B 11.66 N/A
CBSH Commerce Bancshares, Inc

+0.22 (+0.28%)

USD9.32B 22.10 N/A
FCNCA First Citizens BancShares, Inc

-33.92 (-3.90%)

USD8.42B 15.28 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 51.71% 94% A 89% B+
Dividend Return 1.06% 61% D- 63% D
Total Return 52.78% 93% A 89% B+
Trailing 12 Months  
Capital Gain 102.13% 85% B 74% C
Dividend Return 2.84% 27% F 48% F
Total Return 104.96% 85% B 74% C
Trailing 5 Years  
Capital Gain 84.89% 79% C+ 63% D
Dividend Return 9.82% 17% F 34% F
Total Return 94.72% 79% C+ 63% D
Average Annual (5 Year Horizon)  
Capital Gain 1.22% 50% F 35% F
Dividend Return 1.60% 31% F 44% F
Total Return 2.81% 48% F 35% F
Risk Return Profile  
Volatility (Standard Deviation) 24.53% 54% F 67% D+
Risk Adjusted Return 11.46% 46% F 33% F
Market Capitalization 0.12B 14% F 23% 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 13.98 42% F 62% D-
Price/Book Ratio 1.27 39% F 80% B-
Price / Cash Flow Ratio 17.80 26% F 26% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 9.20% 41% F 71% C-
Return on Invested Capital 6.52% 66% D 72% C-
Return on Assets 1.01% 42% F 57% F
Debt to Equity Ratio 14.81% 70% C- 67% D+
Technical Ratios  
Short Ratio 0.36 92% A- 85% B
Short Percent 0.16% 89% B+ 95% A
Beta 0.81 69% D+ 73% 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:
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.

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.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

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