American River Bkshs (AMRB)

20.91  +0.41 (+2%)

Fundamental Rating

2

Taking everything into account, AMRB scores 2 out of 10 in our fundamental rating. AMRB was compared to 412 industry peers in the Banks industry. Both the profitability and financial health of AMRB have multiple concerns. While showing a medium growth rate, AMRB is valued expensive at the moment.



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0

1. Profitability

1.1 Basic Checks

AMRB had positive earnings in the past year.

1.2 Ratios

Industry RankSector Rank
ROA 0.9%
ROE 8.9%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

AMRB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.59%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

There is no outstanding debt for AMRB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

A Debt/Equity ratio of 0.15 indicates that AMRB is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 42.42% over the past year.
AMRB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.38% yearly.
Looking at the last year, AMRB shows a quite strong growth in Revenue. The Revenue has grown by 13.10% in the last year.
The Revenue has been growing slightly by 4.80% on average over the past years.
EPS 1Y (TTM)42.42%
EPS 3Y17.49%
EPS 5Y11.38%
EPS growth Q2Q87.5%
Revenue 1Y (TTM)13.1%
Revenue growth 3Y9.95%
Revenue growth 5Y4.8%
Revenue growth Q2Q16.31%

3.2 Future

The Earnings Per Share is expected to decrease by -0.11% on average over the next years.
The Revenue is expected to grow by 5.67% on average over the next years.
EPS Next Y10.5%
EPS Next 2Y0.57%
EPS Next 3Y-0.15%
EPS Next 5Y-0.11%
Revenue Next Year10.99%
Revenue Next 2Y11.82%
Revenue Next 3Y5.53%
Revenue Next 5Y5.67%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.83 indicates a correct valuation of AMRB.
AMRB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.73, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 17.23 indicates a rather expensive valuation of AMRB.
The average S&P500 Price/Forward Earnings ratio is at 20.41. AMRB is around the same levels.
Industry RankSector Rank
PE 14.83
Fwd PE 17.23

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

AMRB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.41
PEG (5Y)1.3
EPS Next 2Y0.57%
EPS Next 3Y-0.15%

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3

5. Dividend

5.1 Amount

AMRB has a Yearly Dividend Yield of 1.34%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.34, AMRB pays less dividend than the S&P500 average, which is at 2.41.
Industry RankSector Rank
Dividend Yield 1.34%

5.2 History

The dividend of AMRB is nicely growing with an annual growth rate of 8.78%!
AMRB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)8.78%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

DPN/A
EPS Next 2Y0.57%
EPS Next 3Y-0.15%

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American River Bkshs

NASDAQ:AMRB (8/6/2021, 7:00:36 PM)

20.91

+0.41 (+2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap125.04M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 1.34%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 14.83
Fwd PE 17.23
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)1.41
PEG (5Y)1.3
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 8.9%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 28.59%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)42.42%
EPS 3Y17.49%
EPS 5Y
EPS growth Q2Q
EPS Next Y10.5%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)13.1%
Revenue growth 3Y9.95%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y