AMERICAN RIVER BANKSHARES
Financials · State Commercial Banks · CA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $1.4M | $1.1M | $4.9M | $3.2M | $6.4M | $5.3M |
| Total assets | $869.0M | $720.4M | $688.1M | $655.6M | $651.5M | $634.6M |
| Total liabilities | $775.9M | $637.4M | $613.4M | $578.7M | $567.6M | $548.6M |
| Equity | $93.1M | $82.9M | $74.7M | $76.9M | $83.8M | $86.1M |
| EPS (diluted) | $0.24 | $0.20 | $0.83 | $0.50 | $0.94 | $0.70 |
| Shares out. | 5.9M | 5.9M | 6.1M | 6.7M | 7.0M | 7.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2020- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.5%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.3%
- Debt / equity
- 8.33×
- Book value / share
- $15.73
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 25.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2020- Accruals / assets
- −0.6%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Ritchie David E JrOfficer — President -- CEO | Aug 6, 2021 | D | 32,814 | — |
| Bender KevinOfficer — EVP - Chief Operating Officer | Aug 6, 2021 | D | 31,928 | — |
| Anderson Nicolas CDirector | Aug 6, 2021 | D | 7,461 | — |
| Box Kimberly AnnDirector | Aug 6, 2021 | D | 24,506 | — |
| Wright PhilipDirector | Aug 6, 2021 | D | 101,369 | — |
| Robotham William ADirector | Aug 6, 2021 | D | 116,980 | — |
| Raney Julie A.Director | Aug 6, 2021 | D | 4,037 | — |
| Owensby JefferyDirector | Aug 6, 2021 | D | 14,147 | — |
| Mcgregor Dan C.Officer — EVP - Chief Credit Officer | Aug 6, 2021 | D | 8,860 | — |
| Fite Charles DDirector | Aug 6, 2021 | D | 179,663 | — |
| Derenzo Mitchell AOfficer — EVP - Chief Financial Officer | Aug 6, 2021 | D | 84,793 | — |
| Derenzo Mitchell AOfficer — EVP - Chief Financial Officer | Jul 13, 2021 | Option exercise | 4,903 | $9.56 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Other material eventAug 9, 2021
- Shareholder voteJul 29, 2021
- Results of operationsJul 22, 2021
- Other material eventJul 21, 2021
- Other material eventJul 15, 2021
- Shareholder vote · Other material eventMay 24, 2021
- Other material eventApr 22, 2021
- Entered a material agreement · Regulation FD disclosureApr 19, 2021
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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