American River Bankshares (NASDAQ: AMRB) is one of 208 publicly-traded companies in the “Commercial Banks” industry, but how does it compare to its competitors? We will compare American River Bankshares to related businesses based on the strength of its earnings, risk, analyst recommendations, profitability, dividends, institutional ownership and valuation.

Earnings and Valuation

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

Gross Revenue NetIncome Price/Earnings Ratio
American River Bankshares $23.20 million $6.40 million 17.80
American River Bankshares Competitors $343.33 million $72.29 million 21.13

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.

Analyst Recommendations

This is a breakdown of current ratings 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 1 0 0 1.50
American River Bankshares Competitors 357 2834 2304 66 2.37

American River Bankshares presently has a consensus target price of $12.50, indicating a potential downside of 16.39%. As a group, “Commercial Banks” companies have a potential upside of 3.30%. 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.

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% 6.65% 0.85%
American River Bankshares Competitors 20.57% 8.78% 0.93%

Risk & 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 0.75, meaning that their average share price is 25% less volatile than the S&P 500.

Institutional & Insider Ownership

51.0% of American River Bankshares shares are held by institutional investors. Comparatively, 46.5% of shares of all “Commercial Banks” companies are held by institutional investors. 12.5% 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, hedge funds and large money managers believe a stock will outperform the market over the long term.

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 34.3% of their earnings in the form of a dividend.

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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