ARBV (American Riviera Bancorp) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is American Riviera Bancorp LT-Debt-to-Total-Asset?

American Riviera Bancorp ARBV 62 LT-Debt-to-Total-Asset is 0.02 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. American Riviera Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

American Riviera Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that American Riviera Bancorp is progressively becoming less dependent on debt to grow their business.

American Riviera Bancorp (OTCPK:ARBV) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

American Riviera Bancorp LT-Debt-to-Total-Asset Related Terms

American Riviera Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for American Riviera Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

American Riviera Bancorp Annual Data

Trend

Dec06

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.00

0.02

0.03

0.02

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.03	0.02	0.02	0.02

62GF Score

American Riviera Bancorp ARBV

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American Riviera Bancorp LT-Debt-to-Total-Asset Calculation

American Riviera Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	23.124	/	1367.289
	=	0.02

American Riviera Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	26.15	/	1423.251
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

American Riviera Bancorp (ARBV) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on American Riviera Bancorp and its competitors.

Is American Riviera Bancorp's LT-Debt-to-Total-Asset too high?

American Riviera Bancorp's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to TYFG and PONT?

American Riviera Bancorp's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on American Riviera Bancorp and its competitors. American Riviera Bancorp's current LT-Debt-to-Total-Asset is 0.02. 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 $25.60 — trading 12.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For American Riviera Bancorp (ARBV), the current LT-Debt-to-Total-Asset is 0.02 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 $25.60 is trading 12.3% above its estimated GF Value™ of $22.79. GuruFocus considers American Riviera Bancorp to be Modestly Overvalued.

Key valuation signals for ARBV:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $22.79 vs. price of $25.60 (12.3% 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 TYFG PONT SLBK INBC FNWD SBFG TYCB RMBI FSRL PRMY SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

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

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.60

Price

$22.79

GF Value

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