ARBV (American Riviera Bancorp) EPS (Basic): $2.46 (TTM As of Mar. 2026)

What is American Riviera Bancorp EPS (Basic)?

American Riviera Bancorp ARBV 62 EPS (Basic) is $2.46 as of Mar. 2026. GuruFocus rates ARBV with a GF Score™ of 62/100 and a GF Value™ of $22.79 (Modestly Overvalued). The stock has 4 warning signs investors should review.

American Riviera Bancorp's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $0.69. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.46.

American Riviera Bancorp's EPS (Diluted) for the three months ended in Mar. 2026 was $0.69. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.46.

American Riviera Bancorp's EPS without NRI for the three months ended in Mar. 2026 was $0.69. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 2.46.

During the past 12 months, American Riviera Bancorp's average EPS without NRIGrowth Rate was 60.80% per year. During the past 3 years, the average EPS without NRI Growth Rate was -2.90% per year. During the past 5 years, the average EPS without NRI Growth Rate was 3.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 9 years, American Riviera Bancorp's highest 3-Year average EPS without NRI Growth Rate was 26.00% per year. The lowest was -10.50% per year. And the median was 11.50% per year.

American Riviera Bancorp (OTCPK:ARBV) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

American Riviera Bancorp EPS (Basic) Related Terms

American Riviera Bancorp EPS (Basic) Historical Data

* Premium members only.

The historical data trend for American Riviera Bancorp's EPS (Basic) 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.

American Riviera Bancorp EPS (Basic) Chart

American Riviera Bancorp Annual Data

Trend

Dec06

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

EPS (Basic)

Get a 7-Day Free Trial

2.09

2.38

1.82

1.50

2.18

American Riviera Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
EPS (Basic)	Get a 7-Day Free Trial															0.40	0.46	0.51	0.80	0.69

62GF Score

American Riviera Bancorp ARBV

EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

American Riviera Bancorp EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

American Riviera Bancorp's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(12.445	-	0)	/	5.713
	=	2.18

American Riviera Bancorp's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )	=	(Net Income	-	Preferred Dividends)	/	Shares Outstanding (Basic Average)
	=	(3.955	-	0)	/	5.750
	=	0.69

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.46

Frequently Asked Questions Learn more about EPS (Basic) →

What does a EPS (Basic) of $2.46 mean?

American Riviera Bancorp (ARBV) has a EPS (Basic) of $2.46 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on American Riviera Bancorp and its competitors.

Is American Riviera Bancorp's EPS (Basic) too high?

American Riviera Bancorp's current EPS (Basic) is $2.46. Overall, American Riviera Bancorp has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does American Riviera Bancorp's EPS (Basic) compare to PONT and MSWV?

American Riviera Bancorp's EPS (Basic) of $2.46 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good EPS (Basic) for a Banks company?

A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high EPS (Basic) mean?

A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on American Riviera Bancorp and its competitors. American Riviera Bancorp's current EPS (Basic) is $2.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is American Riviera Bancorp stock overvalued right now?

Based on GuruFocus' analysis, American Riviera Bancorp (ARBV) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.79, compared to a current price of $26.40 — trading 15.8% above its estimated fair value. The current EPS (Basic) is $2.46. American Riviera Bancorp's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is EPS (Basic) calculated?

EPS (Basic) is calculated from a company's financial statements. For American Riviera Bancorp (ARBV), the current EPS (Basic) is $2.46 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is American Riviera Bancorp (ARBV) Overvalued in 2026?

Based on GuruFocus' analysis, American Riviera Bancorp stock appears to be overvalued. The current stock price of $26.40 is trading 15.8% above its estimated GF Value™ of $22.79. GuruFocus considers American Riviera Bancorp to be Modestly Overvalued.

Key valuation signals for ARBV:

EPS (Basic): $2.46
GF Value™: $22.79 vs. price of $26.40 (15.8% above fair value)
GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the ARBV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

American Riviera Bancorp Business Description

Industry Financial Services Banks

Comparable Companies PONT MSWV ENBP EMYB INBC MNAT TYFG PRMY RMBI FNWD SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 3780 State Street, 2nd floor, Santa Barbara, CA, USA, 93105

Website https://www.americanriviera.bank

American Riviera Bancorp is a full-service community bank focused on serving the lending and deposit needs of businesses and consumers in its community. It provides commercial, residential mortgage, construction, and Small Business Administration lending services as well as convenient online and mobile technology. The full-service branches are located in Santa Barbara, Montecito, Goleta, San Luis Obispo, and Paso Robles.

62GF Score

Get the complete analysis for ARBV

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.40

Price

$22.79

GF Value

View ARBV Analysis

See EPS (Basic) data for all stocks →