American Riviera Bank
American Riviera Bancorp provides a range of community banking products and services for businesses and consumers in California. The company offers checking, savings, money market, and individual retirement accounts; and certificates of deposit. It also provides various loan products, such as auto, boat/airplane, portfolio, fixed rate mortgage, jumbo, commercial real estate, lines of credit, agri… Read more
American Riviera Bank (ARBV) - Net Assets
Latest net assets as of December 2025: $127.67 Million USD
Based on the latest financial reports, American Riviera Bank (ARBV) has net assets worth $127.67 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.37 Billion) and total liabilities ($1.24 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $127.67 Million |
| % of Total Assets | 9.34% |
| Annual Growth Rate | 13.84% |
| 5-Year Change | 32.61% |
| 10-Year Change | 150.52% |
| Growth Volatility | 19.87 |
American Riviera Bank - Net Assets Trend (2012–2025)
This chart illustrates how American Riviera Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for American Riviera Bank (2012–2025)
The table below shows the annual net assets of American Riviera Bank from 2012 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $127.67 Million | +14.62% |
| 2024-12-31 | $111.38 Million | +10.67% |
| 2023-12-31 | $100.64 Million | +15.55% |
| 2022-12-31 | $87.10 Million | -9.53% |
| 2021-12-31 | $96.27 Million | +13.37% |
| 2020-12-31 | $84.92 Million | +11.53% |
| 2019-12-31 | $76.14 Million | +25.06% |
| 2018-12-31 | $60.89 Million | +11.34% |
| 2017-12-31 | $54.69 Million | +7.30% |
| 2016-12-31 | $50.96 Million | +79.01% |
| 2015-12-31 | $28.47 Million | +5.59% |
| 2014-12-31 | $26.96 Million | +6.86% |
| 2013-12-31 | $25.23 Million | +6.57% |
| 2012-12-31 | $23.68 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to American Riviera Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 7282600000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $72.83 Million | 57.04% |
| Other Components | $54.84 Million | 42.96% |
| Total Equity | $127.67 Million | 100.00% |
American Riviera Bank Competitors by Market Cap
The table below lists competitors of American Riviera Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Chargeurs SA
F:GET
|
$77.49 Million |
|
Lotte Data Communication Company
KO:286940
|
$77.50 Million |
|
Anhui Chaoyue Environmental Protection Technology Co. Ltd.
SHE:301049
|
$77.50 Million |
|
Absolute Clean Energy PCL
BK:ACE
|
$77.52 Million |
|
China Wire & Cable Co Ltd
TW:1603
|
$77.47 Million |
|
Vitzro Tech Co. Ltd
KQ:042370
|
$77.46 Million |
|
Honda India Power Products Limited
NSE:HONDAPOWER
|
$77.44 Million |
|
Adverum Biotechnologies Inc
NASDAQ:ADVM
|
$77.42 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in American Riviera Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 111,383,000 to 127,670,000, a change of 16,287,000 (14.6%).
- Net income of 12,445,000 contributed positively to equity growth.
- Other factors increased equity by 3,842,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $12.45 Million | +9.75% |
| Other Changes | $3.84 Million | +3.01% |
| Total Change | $- | 14.62% |
Book Value vs Market Value Analysis
This analysis compares American Riviera Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.81x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $0.00 | $18.05 | x |
| 2016-12-31 | $0.00 | $18.05 | x |
| 2017-12-31 | $0.00 | $18.05 | x |
| 2018-12-31 | $0.00 | $18.05 | x |
| 2021-12-31 | $18.75 | $18.05 | x |
| 2022-12-31 | $15.30 | $18.05 | x |
| 2023-12-31 | $17.45 | $18.05 | x |
| 2024-12-31 | $19.15 | $18.05 | x |
| 2025-12-31 | $22.35 | $18.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently American Riviera Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.75%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 24.20%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 10.71x
- Recent ROE (9.75%) is above the historical average (8.44%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2012 | 5.04% | 14.31% | 0.05x | 7.24x | $-1.17 Million |
| 2013 | 5.55% | 15.69% | 0.05x | 7.27x | $-1.12 Million |
| 2014 | 5.82% | 16.83% | 0.04x | 8.35x | $-1.13 Million |
| 2015 | 4.58% | 12.98% | 0.04x | 8.74x | $-1.54 Million |
| 2016 | 8.10% | 19.70% | 0.05x | 8.76x | $-966.30K |
| 2017 | 6.47% | 16.51% | 0.04x | 9.42x | $-1.93 Million |
| 2018 | 9.67% | 22.68% | 0.04x | 10.13x | $-198.70K |
| 2019 | 8.40% | 21.84% | 0.04x | 9.44x | $-1.22 Million |
| 2020 | 8.69% | 20.77% | 0.04x | 11.44x | $-1.11 Million |
| 2021 | 12.29% | 27.72% | 0.03x | 13.57x | $2.20 Million |
| 2022 | 15.49% | 26.88% | 0.04x | 14.73x | $4.78 Million |
| 2023 | 10.45% | 22.45% | 0.04x | 12.57x | $449.00K |
| 2024 | 7.85% | 19.28% | 0.04x | 11.49x | $-2.40 Million |
| 2025 | 9.75% | 24.20% | 0.04x | 10.71x | $-322.00K |
Industry Comparison
This section compares American Riviera Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| American Riviera Bank (ARBV) | $127.67 Million | 5.04% | 9.71x | $77.47 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |