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American River Bkshs (AMRB) Stock Fundamental Analysis

NASDAQ:AMRB - Nasdaq -

20.91  +0.41 (+2%)

Fundamental Rating

2

Overall AMRB gets a fundamental rating of 2 out of 10. We evaluated AMRB against 405 industry peers in the Banks industry. AMRB has a bad profitability rating. Also its financial health evaluation is rather negative. AMRB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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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

The Operating Margin and Gross Margin are not available for AMRB so they could not be analyzed.
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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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

AMRB has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
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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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 Q2Q%87.5%
Revenue 1Y (TTM)13.1%
Revenue growth 3Y9.95%
Revenue growth 5Y4.8%
Sales Q2Q%16.31%

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
AMRB Yearly Revenue VS EstimatesAMRB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
AMRB Yearly EPS VS EstimatesAMRB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.83 indicates a correct valuation of AMRB.
Compared to an average S&P500 Price/Earnings ratio of 29.62, AMRB is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 17.23, the valuation of AMRB can be described as rather expensive.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, AMRB is valued a bit cheaper.
Industry RankSector Rank
PE 14.83
Fwd PE 17.23
AMRB Price Earnings VS Forward Price EarningsAMRB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AMRB Per share dataAMRB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The 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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5. Dividend

5.1 Amount

AMRB has a Yearly Dividend Yield of 1.34%.
Compared to an average S&P500 Dividend Yield of 2.27, AMRB's dividend is way lower than the S&P500 average.
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
AMRB Yearly Dividends per shareAMRB Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 0.05 0.1 0.15 0.2 0.25

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, 8:00:36 PM)

20.91

+0.41 (+2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.36%
Inst Owner Change0%
Ins Owners7.41%
Ins Owner Change0%
Market Cap125.04M
Analysts60
Price Target19.89 (-4.88%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.34%
Yearly Dividend0.28
Dividend Growth(5Y)8.78%
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 14.83
Fwd PE 17.23
P/S 4.32
P/FCF N/A
P/OCF N/A
P/B 1.35
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.41
EY6.74%
EPS(NY)1.21
Fwd EY5.8%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.84
BVpS15.53
TBVpSN/A
PEG (NY)1.41
PEG (5Y)1.3
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 8.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.59%
GM N/A
FCFM 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)42.42%
EPS 3Y17.49%
EPS 5Y11.38%
EPS Q2Q%87.5%
EPS Next Y10.5%
EPS Next 2Y0.57%
EPS Next 3Y-0.15%
EPS Next 5Y-0.11%
Revenue 1Y (TTM)13.1%
Revenue growth 3Y9.95%
Revenue growth 5Y4.8%
Sales Q2Q%16.31%
Revenue Next Year10.99%
Revenue Next 2Y11.82%
Revenue Next 3Y5.53%
Revenue Next 5Y5.67%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A