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American River Bankshares (AMRB)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 21 | 21 | 20 | 21 | 22 | 26 | 29 |
| Operating profit | $m | 10 | 7 | |||||
| Net profit | $m | 5 | 6 | 3 | 5 | 6 | 7 | 9 |
| EPS reported | $ | 1.20 | 1.50 | |||||
| Operating cashflow per share | $ | 1.13 | 1.13 | |||||
| Capex per share | $ | 0.03 | 0.03 | |||||
| FCF per share | $ | 1.09 | 1.09 | |||||
| Free cash flow | $m | 6 | 11 | |||||
| Net debt | $m | -329 | -104 | |||||
| Book value equity | $m | 93 | 95 | |||||
| Book value per share | $ | 15.84 | 16.02 | |||||
| Number of shares | m | 5.88 | 5.95 | |||||
| DPS (TTM paid) | $ | 0.28 | 0.00 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 10.96 | - | |||||
| P/B LTM | x | 0.83 | 1.31 | |||||
| P/S LTM | x | 2.94 | 4.34 | |||||
| P/FCF LTM | x | 12.04 | 11.41 | |||||
| EV/EBITDA LTM | x | 4.80 | 1.49 | |||||
| EV/Sales LTM | x | 2.00 | 0.70 | |||||
| Earnings Yield LTM | % | 9.12% | 5.74% | |||||
| FCF Yield | % | 8.31% | 8.76% | |||||
| Quality | ||||||||
| ROE | % | 7.58% | 8.02% | |||||
| ROIC | % | 23.24% | 23.24% | |||||
| Operating margin | % | 34.52% | 34.52% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 23.07% | 23.07% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +27.66% | +40.19% | |||||
| Sales Growth YoY | % | +17.05% | +18.72% | |||||
| Net Income Growth YoY | % | +28.27% | +42.30% | |||||
| FCF Growth | % | -14.63% | +81.81% | |||||
| Operating Profit Growth | % | -2.45% | -31.92% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.13% | 0.00% | |||||
| Dividend Growth | % | +16.67% | - | |||||
| Payout Ratio | % | 23.33% | 23.33% | |||||
| FCF/Debt | x | 0.31 | 0.79 | |||||
| Net Debt/EBITDA | x | -1.88 | -1.88 | |||||
| EBIT/Net interest | x | 6.08 | 6.08 | |||||
| Net debt/market cap | % | -425.16% | -83.80% | |||||
| Net debt/Equity | x | -3.53 | -1.09 | |||||
| Gross debt/equity | x | 0.22 | 0.14 | |||||
Company overview
American River Bankshares functions as a financial services holding company, headquartered in Rancho Cordova, California, with a workforce of 104 full-time employees. Its central banking subsidiary, American River Bank, is primarily dedicated to addressing the commercial banking requirements of small to medium-sized enterprises. The Bank provides a comprehensive suite of deposit products, including checking, savings, money market accounts, and certificates of deposit. Additionally, it furnishes a variety of loan facilities, such as secured and unsecured commercial credit, real estate-backed financing, and other installment and term loans, along with typical banking provisions. A key service offering is lease financing for a wide array of business equipment, ranging from software to large-scale construction machinery. The company extends its services to communities within Sacramento, Placer, Yolo, El Dorado, Sonoma, and Amador counties. Through loan production offices situated in San Jose and San Ramon, it also reaches Alameda, Contra Costa, and Santa Clara Counties. Its diverse loan portfolio encompasses real estate construction loans, lease financing receivables, agricultural loans, and consumer loans.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
American River Bankshares (AMRB)
American River Bankshares functions as a financial services holding company, headquartered in Rancho Cordova, California, with a workforce of 104 full-time employees. Its central banking subsidiary, American River Bank, is primarily dedicated to addressing the commercial banking requirements of small to medium-sized enterprises. The Bank provides a comprehensive suite of deposit products, including checking, savings, money market accounts, and certificates of deposit. Additionally, it furnishes a variety of loan facilities, such as secured and unsecured commercial credit, real estate-backed financing, and other installment and term loans, along with typical banking provisions. A key service offering is lease financing for a wide array of business equipment, ranging from software to large-scale construction machinery. The company extends its services to communities within Sacramento, Placer, Yolo, El Dorado, Sonoma, and Amador counties. Through loan production offices situated in San Jose and San Ramon, it also reaches Alameda, Contra Costa, and Santa Clara Counties. Its diverse loan portfolio encompasses real estate construction loans, lease financing receivables, agricultural loans, and consumer loans.
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