American Riviera BancorpARBV +8.70%62 Return-on-Tangible-Equity is 12.69% as of Mar. 2026, which is 17% above its 10-year median of 10.86. GuruFocus rates ARBV with a GF Scoreâ„¢ of 62/100 and a GF Valueâ„¢ of $22.80 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, American Riviera Bancorp ranks better than 54.17% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. American Riviera Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $15.82 Mil. American Riviera Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $124.62 Mil. Therefore, American Riviera Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.69%.
The historical rank and industry rank for American Riviera Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
ARBV'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -22.59 Med: 10.86 Max: 15.56
Current: 11.94
During the past 9 years, American Riviera Bancorp's highest Return-on-Tangible-Equity was 15.56%. The lowest was -22.59%. And the median was 10.86%.
ARBV's Return-on-Tangible-Equity is ranked better than 54.17% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs ARBV: 11.94
American Riviera Bancorp (OTCPK:ARBV) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
American Riviera Bancorp Return-on-Tangible-Equity Related Terms
American Riviera Bancorp Return-on-Tangible-Equity Historical Data
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The historical data trend for American Riviera Bancorp's Return-on-Tangible-Equity 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-Equity Chart
ARBV vs TYFG, PONT, SLBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, American Riviera Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, American Riviera Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where American Riviera Bancorp's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.69% mean?
American Riviera Bancorp (ARBV) has a Return-on-Tangible-Equity of 12.69% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on American Riviera Bancorp and its competitors. This is 17% above median its historical median of 10.86. According to the industry distribution chart, American Riviera Bancorp ranks #698 out of 1523 companies in the Banks industry, placing it in the top 45.8%.
Is American Riviera Bancorp's Return-on-Tangible-Equity too high?
American Riviera Bancorp's current Return-on-Tangible-Equity of 12.69% is 17% above median its 10-year median of 10.86. The Banks industry median Return-on-Tangible-Equity is 11.20. American Riviera Bancorp's value of 12.69% is 13.3% above this industry median. Based on the distribution chart, American Riviera Bancorp ranks #698 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, American Riviera Bancorp has a GF Scoreâ„¢ 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-Equity compare to TYFG and PONT?
According to the Banks industry distribution chart, American Riviera Bancorp ranks #698 out of 1523 companies for Return-on-Tangible-Equity. This puts American Riviera Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. American Riviera Bancorp's value of 12.69% is 13.3% above this benchmark. While the company's 10-year median is 10.86 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 12.69% is 13.3% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on American Riviera Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 12.69%, which is 17% above median its own 10-year median of 10.86. 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 $27.99 — trading 22.8% above its estimated fair value. The current Return-on-Tangible-Equity is 12.69%, which is 17% above median its 10-year median of 10.86 and 13.3% above the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For American Riviera Bancorp (ARBV), the current Return-on-Tangible-Equity is 12.69% 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 $27.99 is trading 22.8% 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-Equity: 12.69% (17% above median its 10-year median of 10.86)
GF Value™: $22.80 vs. price of $27.99 (22.8% above fair value)
Industry Position: 13.3% above the Banks median (#698 of 1523)
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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