ARBV (American Riviera Bancorp) Moat Score: 4/10 (As of Jun. 29, 2026)


ARBV American Riviera Bancorp ARBV
62 GF Score
Price $25.60
GF Value $22.79
Valuation Modestly Overvalued
! 4 Warning Signs
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What is American Riviera Bancorp Moat Score?

American Riviera Bancorp ARBV -3.03% 62 Moat Score is 4 as of Jun. 29, 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. Among 1,614 Banks companies, American Riviera Bancorp ranks better than 86.25% on this metric.

American Riviera Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

American Riviera Bancorp has Narrow Moat: American Riviera Bancorp has a modest moat due to its regional banking presence and some customer loyalty. However, the banking industry is highly competitive with limited pricing power and low switching costs, constraining the strength of its moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes American Riviera Bancorp might have Narrow Moat - Discernible but modest moat.

American Riviera Bancorp  (OTCPK:ARBV) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

American Riviera Bancorp Moat Score Related Terms

ARBV vs TYFG, PONT, SLBK: Moat Score Comparison

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

For the Banks industry and Financial Services sector, American Riviera Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where American Riviera Bancorp's Moat Score falls into.


ARBV
62GF Score
American Riviera Bancorp ARBV
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
American Riviera Bancorp (ARBV) has a Moat Score of 4 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, American Riviera Bancorp ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is American Riviera Bancorp's Moat Score too high?
American Riviera Bancorp's current Moat Score is 4. Based on the distribution chart, American Riviera Bancorp ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to TYFG and PONT?
According to the Banks industry distribution chart, American Riviera Bancorp ranks #222 out of 1614 companies for Moat Score. This places American Riviera Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. American Riviera Bancorp's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For American Riviera Bancorp (ARBV), the current Moat Score is 4 as of Jun. 29, 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:

  • Moat Score: 4
  • 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

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

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

$25.60
Price
$22.79
GF Value