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RBAZ

RBAZ Bancorp OTCPK:RBAZ Stock Report

Last Price

US$10.55

Market Cap

US$19.0m

7D

-1.0%

1Y

22.7%

Updated

15 Aug, 2022

Data

Company Financials
RBAZ fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends0/6

RBAZ Stock Overview

RBAZ Bancorp, Inc. operates as the bank holding company for Republic Bank of Arizona that provides various community banking products and services for individuals, businesses, and professionals in Arizona.

RBAZ Bancorp Competitors

Price History & Performance

Summary of all time highs, changes and price drops for RBAZ Bancorp
Historical stock prices
Current Share PriceUS$10.55
52 Week HighUS$11.05
52 Week LowUS$9.01
Beta0.74
1 Month Change0.96%
3 Month Change8.76%
1 Year Change22.67%
3 Year Change24.12%
5 Year Change44.52%
Change since IPO134.44%

Recent News & Updates

Shareholder Returns

RBAZUS BanksUS Market
7D-1.0%6.1%3.6%
1Y22.7%-10.2%-9.6%

Return vs Industry: RBAZ exceeded the US Banks industry which returned -10.9% over the past year.

Return vs Market: RBAZ exceeded the US Market which returned -10.2% over the past year.

Price Volatility

Is RBAZ's price volatile compared to industry and market?
RBAZ volatility
RBAZ Average Weekly Movement4.3%
Banks Industry Average Movement3.7%
Market Average Movement7.7%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

Stable Share Price: RBAZ is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: Insufficient data to determine RBAZ's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
2007n/an/ahttps://www.republicbankaz.com

RBAZ Bancorp, Inc. operates as the bank holding company for Republic Bank of Arizona that provides various community banking products and services for individuals, businesses, and professionals in Arizona. The company offers various business and personal checking and savings accounts. It also provides business term, equipment, commercial real estate, and small business administration loans; accounts receivable financing services; and business lines of credit.

RBAZ Bancorp Fundamentals Summary

How do RBAZ Bancorp's earnings and revenue compare to its market cap?
RBAZ fundamental statistics
Market CapUS$18.96m
Earnings (TTM)US$2.01m
Revenue (TTM)US$6.66m

9.5x

P/E Ratio

1.0x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
RBAZ income statement (TTM)
RevenueUS$6.66m
Cost of RevenueUS$0
Gross ProfitUS$6.66m
Other ExpensesUS$4.66m
EarningsUS$2.01m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)1.12
Gross Margin100.00%
Net Profit Margin30.10%
Debt/Equity Ratio31.6%

How did RBAZ perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is RBAZ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for RBAZ?

Other financial metrics that can be useful for relative valuation.

RBAZ key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does RBAZ's PE Ratio compare to its peers?

RBAZ PE Ratio vs Peers
The above table shows the PE ratio for RBAZ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average14.4x
GVFF Greenville Federal Financial
20.9xn/aUS$19.4m
WBZB Washington Business Bank
12.3xn/aUS$17.4m
CDAB Coeur d'Alene Bancorp
11.9xn/aUS$21.1m
CSKL Catskill Hudson Bancorp
12.5xn/aUS$19.0m
RBAZ RBAZ Bancorp
9.5xn/aUS$19.0m

Price-To-Earnings vs Peers: RBAZ is good value based on its Price-To-Earnings Ratio (9.5x) compared to the peer average (14.4x).


Price to Earnings Ratio vs Industry

How does RBAZ's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: RBAZ is good value based on its Price-To-Earnings Ratio (9.5x) compared to the US Banks industry average (10.1x)


Price to Earnings Ratio vs Fair Ratio

What is RBAZ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

RBAZ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.5x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate RBAZ's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of RBAZ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate RBAZ's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate RBAZ's fair value for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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Future Growth

How is RBAZ Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


10.4%

Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as RBAZ Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


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  • Check out RBAZ Bancorp's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access RBAZ Bancorp's filings and announcements here.

Past Performance

How has RBAZ Bancorp performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


13.6%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: RBAZ has high quality earnings.

Growing Profit Margin: RBAZ's current net profit margins (30.1%) are higher than last year (9.4%).


Past Earnings Growth Analysis

Earnings Trend: RBAZ's earnings have grown by 13.6% per year over the past 5 years.

Accelerating Growth: RBAZ's earnings growth over the past year (385.5%) exceeds its 5-year average (13.6% per year).

Earnings vs Industry: RBAZ earnings growth over the past year (385.5%) exceeded the Banks industry 8.8%.


Return on Equity

High ROE: RBAZ's Return on Equity (10.8%) is considered low.


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Financial Health

How is RBAZ Bancorp's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: RBAZ's Assets to Equity ratio (12.3x) is moderate.

Allowance for Bad Loans: RBAZ has a sufficient allowance for bad loans (577%).

Low Risk Liabilities: 96% of RBAZ's liabilities are made up of primarily low risk sources of funding.

Loan Level: RBAZ has an appropriate level of Loans to Assets ratio (53%).

Low Risk Deposits: RBAZ's Loans to Deposits ratio (59%) is appropriate.

Level of Bad Loans: RBAZ has an appropriate level of bad loans (0.2%).


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Dividend

What is RBAZ Bancorp current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate RBAZ's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate RBAZ's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if RBAZ's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if RBAZ's dividend payments have been increasing.


Current Payout to Shareholders

Earnings Coverage: RBAZ is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of RBAZ's dividend in 3 years as they are not forecast to pay a notable one for the US market.


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Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

RBAZ Bancorp has no CEO, or we have no data on them.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

RBAZ Bancorp, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: RBAZ Bancorp, Inc.
  • Ticker: RBAZ
  • Exchange: OTCPK
  • Founded: 2007
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$18.958m
  • Shares outstanding: 1.80m
  • Website: https://www.republicbankaz.com

Location

  • RBAZ Bancorp, Inc.
  • 645 East Missouri Avenue
  • Suite 108
  • Phoenix
  • Arizona
  • 85012
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/15 00:00
End of Day Share Price2022/08/15 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.