American River Bankshares (American River Bankshares) Debt-to-Equity : 0.22 (As of Mar. 2021)

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What is American River Bankshares Debt-to-Equity?

American River Bankshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2021 was $7.00 Mil. American River Bankshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2021 was $13.79 Mil. American River Bankshares's Total Stockholders Equity for the quarter that ended in Mar. 2021 was $92.89 Mil. American River Bankshares's debt to equity for the quarter that ended in Mar. 2021 was 0.22.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for American River Bankshares's Debt-to-Equity or its related term are showing as below:

AMRB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.07 Med: 0.22 Max: 1.22
Current: 0.15

During the past 13 years, the highest Debt-to-Equity Ratio of American River Bankshares was 1.22. The lowest was 0.07. And the median was 0.22.

AMRB's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.695 vs AMRB: 0.15

American River Bankshares Debt-to-Equity Historical Data

The historical data trend for American River Bankshares's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

American River Bankshares Debt-to-Equity Chart

American River Bankshares Annual Data

Trend

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Debt-to-Equity

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0.19

0.20

0.21

0.24

0.22

American River Bankshares Quarterly Data
	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21
Debt-to-Equity	Get a 7-Day Free Trial															0.30	0.28	0.22	0.22	0.15

Competitive Comparison of American River Bankshares's Debt-to-Equity

For the Banks - Regional subindustry, American River Bankshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

American River Bankshares's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, American River Bankshares's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where American River Bankshares's Debt-to-Equity falls into.

American River Bankshares Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

American River Bankshares's Debt to Equity Ratio for the fiscal year that ended in Dec. 2020 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(7	+	13.787)	/	93.095
	=	0.22

American River Bankshares's Debt to Equity Ratio for the quarter that ended in Mar. 2021 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(7	+	13.787)	/	92.891
	=	0.22

American River Bankshares (NAS:AMRB) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

American River Bankshares Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of American River Bankshares's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

American River Bankshares (American River Bankshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » American River Bankshares (NAS:AMRB) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

3100 Zinfandel Drive, Suite 450, Rancho Cordova, CA, USA, 95670

Website

https://www.americanriverbank.com

American River Bankshares is a regional bank which serves Northern California. It is involved in the business of serving commercial banking needs of small to mid-sized businesses. The firm's products and services include checking and savings deposits, money market deposit accounts and certificates of deposit, term loans, and other customary banking services and also lease financing for most types of business equipment. It derives the majority of its revenues from interest income from interest and fees on loans and leases.

Executives

Julie A. Raney	director	3100 ZINFANDEL DRIVE, STE. 450 RANCHO CORDOVA CA 95670
Jeffery Owensby	director	621 CAPITOL MALL 25TH FLOOR SACRAMENTO CA 95814
Nicolas C Anderson	director	3100 ZINFANDEL DRIVE, STE. 450, RANCHO CORDOVA CA 95670
Philip Wright	director	8979 CONTE LANE WINDSOR CA 95492
Charles D Fite	director	8707 HAMMERSMITH LANE, FAIR OAKS CA 95628-6300
William A Robotham	director	3550 ROUND BARD BLVD STE 100 PISENTI & BRINKER LLP SANTA ROSA CA 95403
Kimberly Ann Box	director	7157 TREELINE CT., GRANITE BAY CA 95746
Mitchell A Derenzo	officer: EVP - Chief Financial Officer	3666 BUENA VISTA DR SACRAMENTO CA 95864
Kevin Bender	officer: EVP - Chief Operating Officer	1969 CAVERSHAM WAY FOLSOM CA 95630
Ritchie David E Jr	director, officer: President - CEO	3100 ZINFANDEL DRIVE STE. 450 RANCHO CORDOVA CA 95670
Dan C. Mcgregor	officer: EVP - Chief Credit Officer	3100 ZINFANDEL DRIVE SUITE 450 RANCHO CORDOVA CA 95670
Stephen H Waks	director	3506 SIERRA OAKS DR SACRAMENTO CA 95628
Michael A Ziegler	director	9845 LOS LAGOS CIRCLE N GRANITE BAY CA 95746
Raymond Dennis F. Jr.	officer: EVP - Chief Lending Officer	3100 ZINFANDEL DRIVE STE. 450 RANCHO CORDOVA CA 95670
David T Taber	other: Former Pres., CEO & Director	POST OFFICE BOX 1009 SHINGLE SPRINGS CA 95682