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ARBV (American Riviera Bancorp) Net Margin % : 18.48% (As of Sep. 2024)


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What is American Riviera Bancorp Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. American Riviera Bancorp's Net Income for the three months ended in Sep. 2024 was $2.09 Mil. American Riviera Bancorp's Revenue for the three months ended in Sep. 2024 was $11.31 Mil. Therefore, American Riviera Bancorp's net margin for the quarter that ended in Sep. 2024 was 18.48%.

The historical rank and industry rank for American Riviera Bancorp's Net Margin % or its related term are showing as below:

ARBV' s Net Margin % Range Over the Past 10 Years
Min: -782.51   Med: 22.45   Max: 27.72
Current: 19.72


ARBV's Net Margin % is ranked worse than
66.8% of 1539 companies
in the Banks industry
Industry Median: 25.04 vs ARBV: 19.72

American Riviera Bancorp Net Margin % Historical Data

The historical data trend for American Riviera Bancorp's Net Margin % 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.

* Premium members only.

American Riviera Bancorp Net Margin % Chart

American Riviera Bancorp Annual Data
Trend Dec06 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Margin %
Get a 7-Day Free Trial 21.84 20.77 27.72 26.88 22.45

American Riviera Bancorp Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Net Margin % 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 22.88 19.45 19.69 21.24 18.48

Competitive Comparison of American Riviera Bancorp's Net Margin %

For the Banks - Regional subindustry, American Riviera Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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's Net Margin % Distribution in the Banks Industry

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

* The bar in red indicates where American Riviera Bancorp's Net Margin % falls into.


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American Riviera Bancorp Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

American Riviera Bancorp's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin=Net Income (A: Dec. 2023 )/Revenue (A: Dec. 2023 )
=10.513/46.83
=22.45 %

American Riviera Bancorp's Net Margin for the quarter that ended in Sep. 2024 is calculated as

Net Margin=Net Income (Q: Sep. 2024 )/Revenue (Q: Sep. 2024 )
=2.089/11.306
=18.48 %

* 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  (OTCPK:ARBV) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


American Riviera Bancorp Net Margin % Related Terms

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American Riviera Bancorp Business Description

Traded in Other Exchanges
N/A
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.