American River Bankshares (NASDAQ: AMRB) is one of 199 publicly-traded companies in the “Commercial Banks” industry, but how does it contrast to its competitors? We will compare American River Bankshares to related companies based on the strength of its profitability, dividends, institutional ownership, earnings, analyst recommendations, risk and valuation.

Risk and Volatility

American River Bankshares has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500. Comparatively, American River Bankshares’ competitors have a beta of 0.74, meaning that their average share price is 26% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and target prices for American River Bankshares and its competitors, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
American River Bankshares 1 0 0 0 1.00
American River Bankshares Competitors 365 2874 2322 67 2.37

As a group, “Commercial Banks” companies have a potential upside of 0.73%. Given American River Bankshares’ competitors stronger consensus rating and higher probable upside, analysts plainly believe American River Bankshares has less favorable growth aspects than its competitors.

Valuation & Earnings

This table compares American River Bankshares and its competitors gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
American River Bankshares $23.20 million $6.40 million 17.92
American River Bankshares Competitors $343.96 million $72.97 million 21.81

American River Bankshares’ competitors have higher revenue and earnings than American River Bankshares. American River Bankshares is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Dividends

American River Bankshares pays an annual dividend of $0.20 per share and has a dividend yield of 1.3%. American River Bankshares pays out 23.8% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.8% and pay out 35.4% of their earnings in the form of a dividend.

Insider and Institutional Ownership

53.8% of American River Bankshares shares are held by institutional investors. Comparatively, 47.3% of shares of all “Commercial Banks” companies are held by institutional investors. 12.2% of American River Bankshares shares are held by company insiders. Comparatively, 11.7% of shares of all “Commercial Banks” companies are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares American River Bankshares and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
American River Bankshares 24.61% 6.66% 0.84%
American River Bankshares Competitors 20.59% 8.82% 0.93%

Summary

American River Bankshares competitors beat American River Bankshares on 11 of the 15 factors compared.

American River Bankshares Company Profile

American River Bankshares is a bank holding company. The Company’s banking subsidiary is American River Bank (the Bank). The Bank’s primary business is serving the commercial banking needs of small to mid-sized businesses. The Bank accepts checking and savings deposits; offers money market deposit accounts and certificates of deposit; makes secured and unsecured commercial loans, secured real estate loans, and other installment and term loans, and offers other customary banking services. The Bank also conducts lease financing for various types of business equipment, from computer software to heavy earth-moving equipment. It serves various communities located in Sacramento, Placer, Yolo, El Dorado, Sonoma and Amador counties. It also serves Alameda, Contra Costa and Santa Clara Counties through loan production offices located in the Cities of San Jose and San Ramon. Its loans include real estate construction loans; lease financing receivable; agriculture loans, and consumer loans.

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