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American Riviera BancorpARBV -0.01%62 Return-on-Tangible-Asset is 1.14% as of Mar. 2026, which is 21% above its 10-year median of 0.94. GuruFocus rates ARBV with a GF Score™ of 62/100 and a GF Value™ of $22.80 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,532 Banks companies, American Riviera Bancorp ranks better than 53.66% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. American Riviera Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $15.82 Mil. American Riviera Bancorp's average total tangible assets for the quarter that ended in Mar. 2026 was $1,390.40 Mil. Therefore, American Riviera Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.14%.
The historical rank and industry rank for American Riviera Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
ARBV'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -10.61 Med: 0.94 Max: 1.8
Current: 1.04
During the past 9 years, American Riviera Bancorp's highest Return-on-Tangible-Asset was 1.80%. The lowest was -10.61%. And the median was 0.94%.
ARBV's Return-on-Tangible-Asset is ranked better than 53.66% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs ARBV: 1.04
American Riviera Bancorp (OTCPK:ARBV) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
American Riviera Bancorp Return-on-Tangible-Asset Related Terms
American Riviera Bancorp Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for American Riviera Bancorp's Return-on-Tangible-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 Return-on-Tangible-Asset Chart
ARBV vs TYFG, PONT, SLBK: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, American Riviera Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, American Riviera Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where American Riviera Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.14% mean?
American Riviera Bancorp (ARBV) has a Return-on-Tangible-Asset of 1.14% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on American Riviera Bancorp and its competitors. This is 21% above median its historical median of 0.94. According to the industry distribution chart, American Riviera Bancorp ranks #710 out of 1532 companies in the Banks industry, placing it in the top 46.3%.
Is American Riviera Bancorp's Return-on-Tangible-Asset too high?
American Riviera Bancorp's current Return-on-Tangible-Asset of 1.14% is 21% above median its 10-year median of 0.94. The Banks industry median Return-on-Tangible-Asset is 0.99. American Riviera Bancorp's value of 1.14% is 15.2% above this industry median. Based on the distribution chart, American Riviera Bancorp ranks #710 out of 1532 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 Return-on-Tangible-Asset compare to TYFG and PONT?
According to the Banks industry distribution chart, American Riviera Bancorp ranks #710 out of 1532 companies for Return-on-Tangible-Asset. This puts American Riviera Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. American Riviera Bancorp's value of 1.14% is 15.2% above this benchmark. While the company's 10-year median is 0.94 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. American Riviera Bancorp's current Return-on-Tangible-Asset of 1.14% is 15.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on American Riviera Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Riviera Bancorp's current Return-on-Tangible-Asset is 1.14%, which is 21% above median its own 10-year median of 0.94. 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 $22.80, compared to a current price of $27.89 — trading 22.3% above its estimated fair value. The current Return-on-Tangible-Asset is 1.14%, which is 21% above median its 10-year median of 0.94 and 15.2% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For American Riviera Bancorp (ARBV), the current Return-on-Tangible-Asset is 1.14% 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 $27.89 is trading 22.3% above its estimated GF Value™ of $22.80.
GuruFocus considers American Riviera Bancorp to be Modestly Overvalued.
Key valuation signals for ARBV:
Return-on-Tangible-Asset: 1.14% (21% above median its 10-year median of 0.94)
GF Value™: $22.80 vs. price of $27.89 (22.3% above fair value)
Industry Position: 15.2% above the Banks median (#710 of 1532)
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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