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American Riviera BancorpARBV +0.17%59 Equity-to-Asset is 0.09 as of Mar. 2026, which is 13% above its 10-year median of 0.08. GuruFocus rates ARBV with a GF Score™ of 59/100 and a GF Value™ of $22.82 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, American Riviera Bancorp ranks worse than 55.74% on this metric.
American Riviera Bancorp (OTCPK:ARBV) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
American Riviera Bancorp Equity-to-Asset Related Terms
American Riviera Bancorp Equity-to-Asset Historical Data
* 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.
ARBV vs CPKF, CBFV, FGFH: Equity-to-Asset Comparison
For the Banks - Regional subindustry, American Riviera Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Riviera Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, American Riviera Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where American Riviera Bancorp's Equity-to-Asset falls into.
American Riviera Bancorp Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
American Riviera Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (ARBV) has a Equity-to-Asset of 0.09 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on American Riviera Bancorp and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, American Riviera Bancorp's Equity-to-Asset has ranged from 0.06 to 0.11. According to the industry distribution chart, American Riviera Bancorp ranks #850 out of 1525 companies in the Banks industry, placing it in the top 55.7%.
Is American Riviera Bancorp's Equity-to-Asset too high?
American Riviera Bancorp's current Equity-to-Asset of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. American Riviera Bancorp's value of 0.09 is 10% below this industry median. Based on the distribution chart, American Riviera Bancorp ranks #850 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, American Riviera Bancorp has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does American Riviera Bancorp's Equity-to-Asset compare to CPKF and CBFV?
According to the Banks industry distribution chart, American Riviera Bancorp ranks #850 out of 1525 companies for Equity-to-Asset. This places American Riviera Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. American Riviera Bancorp's value of 0.09 is 10% below this benchmark. Historically, American Riviera Bancorp's own Equity-to-Asset has ranged from 0.06 to 0.11 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, American Riviera Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Riviera Bancorp's current Equity-to-Asset of 0.09 is 10% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on American Riviera Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Riviera Bancorp's current Equity-to-Asset is 0.09, which is 13% above median its own 10-year median of 0.08. 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 Significantly Overvalued. The stock's GF Value™ is $22.82, compared to a current price of $30.32 — trading 32.9% above its estimated fair value. The current Equity-to-Asset is 0.09, which is 13% above median its 10-year median of 0.08 and 10% below the Banks industry median of 0.10. American Riviera Bancorp's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For American Riviera Bancorp (ARBV), the current Equity-to-Asset is 0.09 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 $30.32 is trading 32.9% above its estimated GF Value™ of $22.82.
GuruFocus considers American Riviera Bancorp to be Significantly Overvalued.
Key valuation signals for ARBV:
Equity-to-Asset: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: $22.82 vs. price of $30.32 (32.9% above fair value)
Industry Position: 10% below the Banks median (#850 of 1525)
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 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.
59GF Score
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