ARBV (American Riviera Bancorp) ROC %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ARBV American Riviera Bancorp ARBV
59 GF Score
Price $30.81
GF Value $22.81
Valuation Significantly Overvalued
! 5 Warning Signs
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What is American Riviera Bancorp ROC %?

American Riviera Bancorp ARBV 59 ROC % is % as of Mar. 2026. GuruFocus rates ARBV with a GF Score™ of 59/100 and a GF Value™ of $22.81 (Significantly Overvalued). The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

ARBV
59GF Score
American Riviera Bancorp ARBV
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
American Riviera Bancorp (ARBV) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on American Riviera Bancorp and its competitors.
Is American Riviera Bancorp's ROC % too high?
American Riviera Bancorp's current ROC % is %. Overall, American Riviera Bancorp has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does American Riviera Bancorp's ROC % compare to CPKF and CBFV?
American Riviera Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.54, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on American Riviera Bancorp and its competitors. For the Banks industry, the median ROC % is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. American Riviera Bancorp's current ROC % is %. 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 Significantly Overvalued. The stock's GF Value™ is $22.81, compared to a current price of $30.81 — trading 35.1% above its estimated fair value. The current ROC % is %. American Riviera Bancorp's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For American Riviera Bancorp (ARBV), the current ROC % is % 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 $30.81 is trading 35.1% above its estimated GF Value™ of $22.81. GuruFocus considers American Riviera Bancorp to be Significantly Overvalued.

Key valuation signals for ARBV:

  • ROC %: %
  • GF Value™: $22.81 vs. price of $30.81 (35.1% above fair value)
  • GF Score™: 59/100 with 5 warning signs

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 Business Description

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.
59GF Score

Get the complete analysis for ARBV

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.81
Price
$22.81
GF Value