What is the fair value of American Riviera Bank (OTC-ARBV) stock?

The current fair value estimate for American Riviera Bank (OTC-ARBV) is $23.61. This implies an estimated downside of 17.9% versus the current market price.

Is American Riviera Bank (OTC-ARBV) undervalued or overvalued?

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 17.9% versus the current market price.

How is the financial health of American Riviera Bank?

The current financial health read for American Riviera Bank (OTC-ARBV) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

When is American Riviera Bank's next earnings date?

The next earnings date currently listed for American Riviera Bank (OTC-ARBV) is October 23, 2026.

Does American Riviera Bank (OTC-ARBV) pay dividends?

The latest available data indicates no current dividend yield for American Riviera Bank (OTC-ARBV).

What is the P/E ratio for American Riviera Bank (OTC-ARBV)?

The current P/E ratio listed for American Riviera Bank (OTC-ARBV) is 11.3x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of American Riviera Bank?

The current market capitalization listed for American Riviera Bank is 165.6 M.

What is the ticker symbol for American Riviera Bank?

The ticker symbol for American Riviera Bank is OTC-ARBV, and the stock is listed on OTC Markets.

Where is American Riviera Bank (OTC-ARBV) listed?

American Riviera Bank (OTC-ARBV) is listed on OTC Markets.

What is the debt-to-total-capital ratio for American Riviera Bank?

The current debt-to-total-capital ratio listed for American Riviera Bank is 29.2%, which helps investors evaluate the company’s financing structure and leverage profile.

What is the free float for American Riviera Bank?

The free float listed for American Riviera Bank is 73.7%. Free float helps investors understand how much of the share base is available for public trading.

American Riviera Bank (ARBV) Fair Value & Stock Analysis |...

American Riviera Bank (ARBV)

American Riviera Bancorp is a California-based community banking company headquartered in Santa Barbara. Through its banking operations, it serves businesses and consumers with a range of deposit and lending products. Its deposit offerings include checking, savings, money market, and individual retirement accounts, along with certificates of deposit. The company also provides a broad mix of loans, including auto, boat and airplane, portfolio, fixed-rate mortgage, jumbo, commercial real estate, construction, bridge, agriculture, lines of credit, home equity, asset-based, and long-term financing. In addition to traditional banking, American Riviera Bancorp offers digital and cash management-related services such as online and mobile banking, remote deposit capture, payments, collections, wire transfers, fraud controls, merchant services, lock box services, digital wallets, business debit and credit cards, and automated teller machine access. Founded in 2006, the company’s common stock is listed on OTC Markets under the symbol ARBV.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Free Float / Shares Outstanding	Altman Z-Score
OTC-ARBV	$23.61	-17.9% Downside	Fair	Not available	Not available	Fair	0.0%	October 23, 2026	11.3x	1.2x	3.0x	165.6 M	29.2%	73.7%	-1.8