NAS:AMRB (USA)

American River Bankshares

$ 12.2 0 (0%)
Volume: 2 Avg Vol (1m): 3,772
Market Cap $: 71.83 Mil Enterprise Value $: -204,720,000.00
P/E (TTM): 15.05 P/B: 0.96
Earnings Power Value 45.68
Net Current Asset Value 0
Tangible Book 10.22
Projected FCF 26.44
Median P/S Value 13.22
Graham Number 13.65
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 0.66
Cash-To-Debt ranked higher than
50.40% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
AMRB: 0.66
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.24, Med: 1.65, Max: 14.62
Current: 0.66
0.24
14.62
Equity-to-Asset 0.11
Equity-to-Asset ranked higher than
57.47% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
AMRB: 0.11
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.09, Med: 0.11, Max: 0.16
Current: 0.11
0.09
0.16
Debt-to-Equity 0.38
Debt-to-Equity ranked higher than
79.40% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
AMRB: 0.38
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.07, Med: 0.21, Max: 1.22
Current: 0.38
0.07
1.22
Beneish M-Score -2.62
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 3.89%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 20.40
Net Margin ranked lower than
59.37% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
AMRB: 20.4
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 1.98, Med: 15.51, Max: 28.73
Current: 20.4
1.98
28.73
ROE % 6.38
ROE ranked lower than
70.94% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
AMRB: 6.38
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 0.54, Med: 3.7, Max: 7.54
Current: 6.38
0.54
7.54
ROA % 0.69
ROA ranked lower than
66.81% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
AMRB: 0.69
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.08, Med: 0.53, Max: 1
Current: 0.69
0.08
1
3-Year Total Revenue Growth Rate 0.20
3-Year Revenue Growth Rate ranked higher than
68.41% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
AMRB: 8.9
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -20.7, Med: 6.4, Max: 78.8
Current: 8.9
-20.7
78.8
3-Year EPS w/o NRI Growth Rate 5.80
3-Year EPS w/o NRI Growth Rate ranked lower than
72.92% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
AMRB: 5.8
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -66.4, Med: 11.05, Max: 89.5
Current: 5.8
-66.4
89.5

» AMRB's 30-Y Financials

Financials (Next Earnings Date: 2019-07-19)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6022
Compare NAS:UBOH NAS:CFBI NAS:CART OTCPK:DBCP OTCPK:FDVA OTCPK:JFBC NAS:MGYR OTCPK:NUBK NAS:ASRV NAS:SSFN NAS:FFBW OTCPK:CFST NAS:FBSS OTCPK:WBBW NAS:SSBI OTCPK:PKKW OTCPK:NWYF NAS:UBCP NAS:HMTA NAS:EMCF
Traded in other countries
Address 3100 Zinfandel Drive, Suite 450, Rancho Cordova, CA, USA, 95670
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.

Ratios

Current vs industry vs history
PE Ratio (TTM) 15.05
PE Ratio ranked lower than
77.07% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
AMRB: 15.05
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 6.04, Med: 19.6, Max: 170
Current: 15.05
6.04
170
Forward PE Ratio 10.26
Forward P/E ranked lower than
56.67% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
AMRB: 10.26
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 15.05
PE without NRI ranked lower than
76.76% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
AMRB: 15.05
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 6.04, Med: 19.6, Max: 170
Current: 15.05
6.04
170
Price-to-Owner-Earnings 15.29
Price-to-Owner-Earnings ranked lower than
80.69% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
AMRB: 15.29
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 4.7, Med: 16.4, Max: 254
Current: 15.29
4.7
254
PB Ratio 0.96
PB Ratio ranked higher than
50.70% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
AMRB: 0.96
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.48, Med: 0.86, Max: 1.33
Current: 0.96
0.48
1.33
PS Ratio 3.13
PS Ratio ranked lower than
69.13% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
AMRB: 3.13
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.32, Med: 3.39, Max: 4.9
Current: 3.13
1.32
4.9
Price-to-Free-Cash-Flow 10.39
Price-to-Free-Cash-Flow ranked lower than
54.08% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
AMRB: 10.39
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 3.34, Med: 7.97, Max: 20.89
Current: 10.39
3.34
20.89
Price-to-Operating-Cash-Flow 9.97
Price-to-Operating-Cash-Flow ranked lower than
58.23% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
AMRB: 9.97
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 3.25, Med: 7.68, Max: 20.42
Current: 9.97
3.25
20.42
EV-to-Revenue -8.89
EV-to-Revenue ranked higher than
54.87% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
AMRB: -8.89
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -11.3, Med: -8.6, Max: 4.3
Current: -8.89
-11.3
4.3
Shiller PE Ratio 23.74
Shiller PE Ratio ranked lower than
78.27% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
AMRB: 23.74
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 4.5, Med: 11.19, Max: 29.81
Current: 23.74
4.5
29.81

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.64
Trailing Dividend Yield ranked lower than
83.07% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
AMRB: 1.64
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.33, Med: 1.55, Max: 7.89
Current: 1.64
0.33
7.89
Dividend Payout Ratio 0.25
Dividend Payout Ratio ranked higher than
68.59% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
AMRB: 0.25
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.24, Med: 0.4, Max: 1.1
Current: 0.25
0.24
1.1
Forward Dividend Yield % 1.64
Forward Dividend Yield ranked lower than
85.64% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
AMRB: 1.64
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 1.64
Yield-on-Cost (5y) ranked lower than
84.34% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
AMRB: 1.64
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.33, Med: 1.55, Max: 7.89
Current: 1.64
0.33
7.89
3-Year Share Buyback Rate 7.20
3-Year Share Buyback Rate ranked higher than
98.86% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
AMRB: 7.2
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -19.5, Med: 2.45, Max: 19.9
Current: 7.2
-19.5
19.9

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.19
Price-to-Tangible-Book ranked lower than
62.01% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
AMRB: 1.19
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.58, Med: 1.36, Max: 3.61
Current: 1.19
0.58
3.61
Price-to-Projected-FCF 0.46
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
73.70% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
AMRB: 0.46
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.27, Med: 0.49, Max: 1.87
Current: 0.46
0.27
1.87
Price-to-Median-PS-Value 0.92
Price-to-Median-PS-Value ranked lower than
67.06% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
AMRB: 0.92
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.49, Med: 1.08, Max: 6.72
Current: 0.92
0.49
6.72
Price-to-Graham-Number 0.89
Price-to-Graham-Number ranked lower than
80.49% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
AMRB: 0.89
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.58, Med: 1.05, Max: 2.55
Current: 0.89
0.58
2.55

More Statistics

Revenue (TTM) (Mil) $ 23.01
EPS (TTM) $ 0.81
Beta 0.16
Volatility % 8.15
52-Week Range $ 10.5 - 17.5
Shares Outstanding (Mil) 5.89

Analyst Estimate

Piotroski F-Score Details