American Riviera BancorpARBV 62 Net Margin % is 27.76% as of Mar. 2026, which is 24% above its 10-year median of 22.45. 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 1,526 Banks companies, American Riviera Bancorp ranks worse than 52.16% on this metric.
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: 26.19
ARBV's Net Margin % is ranked worse than 52.16% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs ARBV: 26.19
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
American Riviera Bancorp Net Margin % 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.
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 Net Margin % vs 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.
* 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 Net Margin % of 27.76% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on American Riviera Bancorp and its competitors. This is 24% above median its historical median of 22.45. According to the industry distribution chart, American Riviera Bancorp ranks #796 out of 1526 companies in the Banks industry, placing it in the top 52.2%.
Is American Riviera Bancorp's Net Margin % too high?
American Riviera Bancorp's current Net Margin % of 27.76% is 24% above median its 10-year median of 22.45. The Banks industry median Net Margin % is 26.97. American Riviera Bancorp's value of 27.76% is 2.9% above this industry median. Based on the distribution chart, American Riviera Bancorp ranks #796 out of 1526 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to PONT and MSWV?
According to the Banks industry distribution chart, American Riviera Bancorp ranks #796 out of 1526 companies for Net Margin %. This places American Riviera Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. American Riviera Bancorp's value of 27.76% is 2.9% above this benchmark. While the company's 10-year median is 22.45 vs. the industry median of 26.97, American Riviera Bancorp has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Riviera Bancorp's current Net Margin % of 27.76% is 2.9% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on American Riviera Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Riviera Bancorp's current Net Margin % is 27.76%, which is 24% above median its own 10-year median of 22.45. 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 $26.40 — trading 15.8% above its estimated fair value. The current Net Margin % is 27.76%, which is 24% above median its 10-year median of 22.45 and 2.9% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For American Riviera Bancorp (ARBV), the current Net Margin % is 27.76% 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 $26.40 is trading 15.8% above its estimated GF Value™ of $22.79.
GuruFocus considers American Riviera Bancorp to be Modestly Overvalued.
Key valuation signals for ARBV:
Net Margin %: 27.76% (24% above median its 10-year median of 22.45)
GF Value™: $22.79 vs. price of $26.40 (15.8% above fair value)
Industry Position: 2.9% above the Banks median (#796 of 1526)
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.
62GF Score
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