American Riviera Bancorp
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
16.0523.5315.8123.7813.4615.1311.308.817.149.06N/A15.13
Price/Sales ratio
2.753.052.923.593.053.302.342.441.922.04N/A3.30
Price/Book Value ratio
0.931.071.281.531.301.270.981.081.100.94N/A1.27
Price/Cash Flow ratio
11.3812.3413.5115.188.299.787.138.287.116.45N/A9.78
Price/Free Cash Flow ratio
12.1712.8214.6831.7210.2912.667.368.677.459.60N/A12.66
Price/Earnings Growth ratio
1.57-1.270.16-1.470.20-9.150.960.150.51-0.38N/A-9.15
Dividend Yield
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%99.85%N/A100%
Operating Profit Margin
28.08%30.09%36.27%32.92%40.16%30.39%29.11%38.37%41.21%49.62%N/A30.39%
Pretax Profit Margin
28.08%24.40%31.50%32.92%32.10%30.39%29.11%38.37%37.36%31.13%N/A30.39%
Net Profit Margin
17.16%12.97%18.51%15.12%22.68%21.83%20.77%27.71%26.88%22.56%N/A21.83%
Effective Tax Rate
38.87%46.83%41.22%54.04%29.34%28.16%28.65%27.76%28.05%27.51%N/A28.16%
Return on Assets
0.69%0.52%0.92%0.68%0.95%0.88%0.75%0.90%1.05%0.83%N/A0.88%
Return On Equity
5.81%4.57%8.10%6.46%9.67%8.39%8.68%12.28%15.49%10.44%N/A8.39%
Return on Capital Employed
1.14%1.21%8.52%7.32%1.69%1.24%1.06%1.25%1.62%7.39%N/A1.24%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
364.83198.890.180.11237.4539.9086.59186.8122.630.01N/A39.90
Cash ratio
364.83198.890.080.0017.5918.7141.5091.148.980.01N/A18.71
Days of Sales Outstanding
N/AN/AN/AN/A82.91N/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
N/AN/A0.000.01N/AN/AN/AN/A0.010.08N/AN/A
Debt Equity Ratio
N/AN/A0.030.18N/AN/AN/AN/A0.201.02N/AN/A
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/A0.170.50N/AN/A
Total Debt to Capitalization
N/AN/A0.030.15N/AN/AN/AN/A0.170.50N/AN/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
N/AN/A2.410.55N/AN/AN/AN/A0.750.14N/AN/A
Company Equity Multiplier
8.348.738.769.4210.129.4411.4413.5714.7212.56N/A9.44
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.240.240.210.230.360.330.320.290.260.31N/A0.33
Free Cash Flow / Operating Cash Flow Ratio
0.930.960.920.470.800.770.960.950.950.67N/A0.77
Cash Flow Coverage Ratio
N/AN/A2.410.55N/AN/AN/AN/A0.750.14N/AN/A
Short Term Coverage Ratio
N/AN/A2.410.55N/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A