ARBV (American Riviera Bancorp) EV-to-FCF: (As of Jul. 01, 2026)


ARBV American Riviera Bancorp ARBV
62 GF Score
Price $25.75
GF Value $22.80
Valuation Modestly Overvalued
! 4 Warning Signs
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What is American Riviera Bancorp EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, American Riviera Bancorp's Enterprise Value is $107.54 Mil. American Riviera Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, American Riviera Bancorp's EV-to-FCF for today is .

The historical rank and industry rank for American Riviera Bancorp's EV-to-FCF or its related term are showing as below:

ARBV' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 12.17
Current: 11.73

During the past 9 years, the highest EV-to-FCF of American Riviera Bancorp was 12.17. The lowest was 0.00. And the median was 0.00.

ARBV's EV-to-FCF is ranked worse than
68.17% of 1194 companies
in the Banks industry
Industry Median: 6.565 vs ARBV: 11.73

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-01), American Riviera Bancorp's stock price is $25.75. American Riviera Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $2.460. Therefore, American Riviera Bancorp's PE Ratio (TTM) for today is 10.47.


American Riviera Bancorp  (OTCPK:ARBV) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

American Riviera Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=25.75/2.460
=10.47

American Riviera Bancorp's share price for today is $25.75.
American Riviera Bancorp's Earnings per Share (Diluted) 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 $2.460.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


American Riviera Bancorp EV-to-FCF Related Terms


American Riviera Bancorp EV-to-FCF Historical Data

* Premium members only.

The historical data trend for American Riviera Bancorp's EV-to-FCF 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 EV-to-FCF Chart

American Riviera Bancorp Annual Data
Trend Dec06 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only -15.22 4.64 18.62 10.83 16.17

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
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 16.17 0.00

ARBV vs TYFG, PONT, SLBK: EV-to-FCF Comparison

For the Banks - Regional subindustry, American Riviera Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, American Riviera Bancorp's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where American Riviera Bancorp's EV-to-FCF falls into.


ARBV
62GF Score
American Riviera Bancorp ARBV
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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American Riviera Bancorp EV-to-FCF Calculation

American Riviera Bancorp's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=107.539/0
=

American Riviera Bancorp's current Enterprise Value is $107.54 Mil.
American Riviera Bancorp's Free Cash Flow 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 $0.00 Mil.

* 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.

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 $25.75 is trading 12.9% above its estimated GF Value™ of $22.80. GuruFocus considers American Riviera Bancorp to be Modestly Overvalued.

Key valuation signals for ARBV:

  • EV-to-FCF:
  • GF Value™: $22.80 vs. price of $25.75 (12.9% 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

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

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.75
Price
$22.80
GF Value