American Riviera BancorpARBV 62 PEG Ratio is 1.47 as of Jun. 29, 2026, which is 1% below its 10-year median of 1.48. 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 1,231 Banks companies, American Riviera Bancorp ranks better than 51.58% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for American Riviera Bancorp's PEG Ratio or its related term are showing as below:
ARBV'
s PEG Ratio Range Over the Past 10 Years
Min: 0.52 Med: 1.48 Max: 2.16
Current: 1.47
During the past 9 years, American Riviera Bancorp's highest PEG Ratio was 2.16. The lowest was 0.52. And the median was 1.48.
ARBV's PEG Ratio is ranked better than 51.58% of 1231
companies
in the Banks industry
Industry Median: 1.52
vs ARBV: 1.47
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
American Riviera Bancorp (OTCPK:ARBV) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
American Riviera Bancorp PEG Ratio Related Terms
American Riviera Bancorp PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, American Riviera Bancorp's PEG Ratio distribution charts can be found below:
* The bar in red indicates where American Riviera Bancorp's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
American Riviera Bancorp (ARBV) has a PEG Ratio of 1.47 as of Jun. 29, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on American Riviera Bancorp and its competitors. This is near median its historical median of 1.48. Over the past decade, American Riviera Bancorp's PEG Ratio has ranged from 0.52 to 2.16. According to the industry distribution chart, American Riviera Bancorp ranks #596 out of 1231 companies in the Banks industry, placing it in the top 48.4%.
Is American Riviera Bancorp's PEG Ratio too high?
American Riviera Bancorp's current PEG Ratio of 1.47 is near median its 10-year median of 1.48. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 2.16. The Banks industry median PEG Ratio is 1.52. American Riviera Bancorp's value of 1.47 is 3.3% below this industry median. Based on the distribution chart, American Riviera Bancorp ranks #596 out of 1231 companies in the Banks industry, which is above 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 PEG Ratio compare to TYFG and PONT?
According to the Banks industry distribution chart, American Riviera Bancorp ranks #596 out of 1231 companies for PEG Ratio. This puts American Riviera Bancorp in the upper half of its industry. The industry median PEG Ratio is 1.52. American Riviera Bancorp's value of 1.47 is 3.3% below this benchmark. Historically, American Riviera Bancorp's own PEG Ratio has ranged from 0.52 to 2.16 over the past decade. While the company's 10-year median is 1.48 vs. the industry median of 1.52, American Riviera Bancorp has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,231 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Riviera Bancorp's current PEG Ratio of 1.47 is 3.3% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on American Riviera Bancorp and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Riviera Bancorp's current PEG Ratio is 1.47, which is near median its own 10-year median of 1.48. 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 PEG Ratio is 1.47, which is near median its 10-year median of 1.48 and 3.3% below the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For American Riviera Bancorp (ARBV), the current PEG Ratio is 1.47 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 $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:
PEG Ratio: 1.47 (near median its 10-year median of 1.48)
GF Value™: $22.79 vs. price of $26.40 (15.8% above fair value)
Industry Position: 3.3% below the Banks median (#596 of 1231)
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
Get the complete analysis for ARBV
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