American River Bankshares

American River Bank is a regional bank serving Northern California since 1983. We give business owners more reach by offering financial expertise and exceptional service to compliment a full suite of banking products and services. Our honest approach, commitment to community and focus on profitability is intended to lead our clients to greater success. We monitor this page Mon-Fri 9am-5pm excluding holidays. Your security is our priority. Please do not disclose any personal banking information online. American River Bank is a subsidiary of American River Bankshares (NASDAQ: AMRB), a publicly-traded Company on the NASDAQ Global Select Stock Market Exchange.
Company Growth (employees)
Type
Public
HQ
Rancho Cordova, US
Founded
1983
Size (employees)
93 (est)-6%
American River Bankshares was founded in 1983 and is headquartered in Rancho Cordova, US

American River Bankshares Office Locations

American River Bankshares has an office in Rancho Cordova
Rancho Cordova, US (HQ)
450 3100 Zinfandel Dr

American River Bankshares Data and Metrics

American River Bankshares Financial Metrics

American River Bankshares's revenue was reported to be $5.5 m in Q1, 2017
USD

Revenue (Q1, 2017)

5.5 m

Gross profit (Q1, 2017)

5.2 m

Gross profit margin (Q1, 2017), %

96%

Net income (Q1, 2017)

1.2 m

EBIT (Q1, 2017)

4.8 m

Market capitalization (17-Aug-2017)

86.8 m

Cash (31-Mar-2017)

35.9 m
American River Bankshares's current market capitalization is $86.8 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

20.9 m22.1 m23 m23.2 m

Revenue growth, %

6%4%1%

Cost of goods sold

1.5 m1.2 m961 k910 k

Gross profit

19.4 m21 m22 m22.3 m

Gross profit Margin, %

93%95%96%96%

Operating expense total

14.9 m14.9 m14.1 m13.8 m

EBIT

17.4 m18.8 m20 m20.2 m

EBIT margin, %

83%85%87%87%

Interest income

17.4 m18.8 m20 m20.2 m

Pre tax profit

4.3 m6.7 m7.9 m9.8 m

Income tax expense

1.3 m2.3 m2.7 m3.4 m

Net Income

3.1 m4.4 m5.3 m6.4 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

5.5 m5.5 m5.8 m5.9 m6 m5.6 m5.9 m5.5 m

Cost of goods sold

287 k248 k244 k240 k234 k221 k240 k242 k

Gross profit

5.2 m5.2 m5.5 m5.7 m5.8 m5.4 m5.7 m5.2 m

Gross profit Margin, %

95%95%96%96%96%96%96%96%

Sales and marketing expense

2.2 m2.3 m2 m2.2 m2.2 m2.1 m2.2 m2.2 m

Operating expense total

2.2 m2.3 m2 m2.2 m2.2 m2.1 m2.2 m2.2 m

EBIT

4.7 m4.7 m5 m5.2 m5 m5 m5.2 m4.8 m

EBIT margin, %

85%85%87%88%84%90%88%88%

Pre tax profit

1.7 m1.4 m2.1 m2.3 m2 m2 m2.3 m1.8 m

Income tax expense

613 k470 k745 k807 k633 k652 k807 k616 k

Net Income

2 m3.2 m956 k2.3 m3.8 m1.4 m2.7 m4.5 m1.2 m
USDFY, 2013FY, 2015FY, 2016

Cash

17.9 m23.7 m27.6 m

Accounts Receivable

150 k

PP&E

1.5 m1.4 m1.4 m

Goodwill

16.3 m16.3 m16.3 m

Total Assets

592.8 m634.6 m651.5 m

Accounts Payable

544.8 m

Total Debt

16 m11 m15.5 m

Total Liabilities

567.6 m

Retained Earnings

24.8 m34.4 m40.8 m

Total Equity

87 m86.1 m83.9 m

Debt to Equity Ratio

0.2 x0.1 x0.2 x

Debt to Assets Ratio

0 x0 x0 x

Financial Leverage

6.8 x7.4 x7.8 x
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

18 m21.6 m29.3 m22.7 m43.1 m35.9 m

PP&E

1.5 m1.4 m1.4 m1.3 m1.3 m1.3 m

Goodwill

16.3 m

Total Assets

616.9 m625.2 m626.1 m625.8 m653.8 m659.3 m

Accounts Payable

512 m521.4 m523.8 m525.9 m546.2 m551 m

Retained Earnings

31.5 m33 m35.8 m37.1 m38.9 m41.7 m

Total Equity

88.2 m86.3 m85.3 m83.6 m84.7 m83.1 m

Financial Leverage

7 x7.2 x7.3 x7.5 x7.7 x7.9 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

3.1 m4.4 m5.3 m6.4 m

Depreciation and Amortization

518 k438 k430 k420 k

Cash From Operating Activities

11.5 m9 m8.8 m9.9 m

Cash From Investing Activities

(45.4 m)(22.3 m)(19.7 m)(17.2 m)

Cash From Financing Activities

(3.6 m)17.9 m12.2 m11.2 m

Income Taxes Paid

1.6 m2.4 m2.5 m2.8 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

2 m3.2 m956 k2.3 m3.8 m1.4 m2.7 m4.5 m1.2 m

Depreciation and Amortization

226 k339 k103 k212 k324 k110 k220 k326 k88 k

Cash From Operating Activities

3.9 m6.7 m1.6 m3.5 m6.5 m2.1 m3.4 m6.4 m2.1 m

Cash From Investing Activities

(764 k)(189 k)6.5 m(5.3 m)(10.1 m)14.1 m7.7 m1.8 m2.4 m

Dividends Paid

(332 k)

Cash From Financing Activities

(2 m)17.6 m(13.5 m)(2.7 m)2.8 m(10.7 m)(12.2 m)11.1 m3.9 m
USDY, 2017

Revenue/Employee

55.3 k

Financial Leverage

7.9 x

American River Bankshares Market Value History

Traffic Overview of American River Bankshares

American River Bankshares Online and Social Media Presence

American River Bankshares Company Life and Culture

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