The long-term trend of the EPS is an important number as it indicates the present value of American River Bankinghares. It is usually expressed as a percentage and is then referred to as the EPS growth rate, which at this time is hard to estimate, but revenue growth has been -0.80 % over the last twelve months. Growth in EPS is an important measure of administration performance because it shows how much money American River Bankinghares is making for it’s investors or shareholders.



American River Bankinghares is part of the financial services sector and is in the banking industry. The company CEO is David E. Ritchie. American River bankinghares is a bank holding company, which serves the commercial banking needs of small to mid-sized businesses. It accepts checking and savings deposits, offers money market deposit accounts and certificates of deposit, among others.

Previous Intraday Performance:

The AMRB shares had a previous change of -0.20% which opened at 14.80 and closed at 14.82. It moved to an intraday high of 15.10 and a low of 14.82.

SeekingAlpha:  American River Bankshares’ (AMRB) CEO Dave Ritchie on Q3 2018 Results – Earnings Call Transcript

Historical Performance:

Over the last five trading days, AMRB shares returned -0.67% and in the past 30 trading days it returned -3.94%. Over three months, it changed -4.07%. In one year it has changed -0.24% and within that year its 52-week high was 17.50 and its 52-week low was 12.21. AMRB stock is 21.38% above its 52 Week Low.

Our calculations result in a 200 day moving average of 15.41 and a 50 day moving average of 15.15. Right now, AMRB stock is trading -3.83% below its 200 day moving average and may be a great opportunity to buy, but should check other technical indicators to confirm a buy signal.

SeekingAlpha:  American River Bankshares’ (AMRB) CEO Dave Ritchie on Q3 2018 Results – Earnings Call Transcript

Liquidity:

The company has a market cap of $86.9m with 5.9m shares outstanding and a float of 4.9m shares. Trading volume was 2,357 shares and has experienced an average volume of 5,054 shares. Our calculation, using the current average volume and close price, leads me to believe that the liquidity is bad, highly speculative and an investor may want to avoid this stock.

Earnings:

The last annual reported EPS for American River Bankinghares was 0.5 which ended on 31st of December 2017, which according to the previous close, that is a PE of 29.64. Based on 2 analyst estimates, the consensus EPS for the next quarter is 0.23. The trailing twelve month EPS is 0.83, which comes to a trailing twelve month PE of 17.86. Historically, the PE high was 30.30 and the PE low was 13.80. If the stock reached its PE low, that would represent a price of 11.45, which is a decrease of -22.73%.

Below was the last reported quarterly earnings per share:
09-30-2018:  0.20
06-30-2018:  0.22
03-31-2018:  0.22
12-31-2017:  0.19

The dividend per share is currently 0.20, which is a dividend yield of 1.35%. Also, the payout ratio is 24.10%, therefore the dividend is safe according to our calculations.



Base on our calculations, the intrinsic value per share is 6.02, which means it might overvalued by -146.28%

Indicators Also to Watch:

Based on the latest filings, there is 17.00% of insider ownership and 57.20% of institutional ownership. Short-interest was 0, which was 0.00% of shares outstanding. The short-interest ratio or days-to-cover ratio was 0.00.

I calculated the beta to be 0.13

SeekingAlpha:  Tracking Wallace Weitz’s Weitz Investment Management Portfolio – Q3 2018 Update

Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 4.39%, return on assets is 0.51%, profit margin is 14.79%, price-to-sales is 3.81 and price-to-book is 1.26.

Company Score Card:

Results are out of six:
 4  : Growth Expectations Result
 6  : Financial Safety Result
 1  : Past Performance Result
 1  : Valuation Result
 3  : Dividend Safety Result
 3  : Overall Result

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Jake McWilliams
I am an independent trader, analyst and algorithmic trading expert, having worked both for the sell side (brokerage) and the buy side (fund administration). I have been trading professionally for about 20 years. I trade stocks and forex and I play both long and short positions in underlying asset or through options. I have experience with discretionary and fully automated systems (Metatrader and Quantshare).

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