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RBAZ Bancorp (RBAZ) Stock Overview

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. More details

RBAZ fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 27.1% below our estimate of its fair value

Earnings grew by 37.6% over the past year

Risk Analysis

Does not have a meaningful market cap ($39M)

RBAZ Community Fair Values

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RBAZ Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for RBAZ Bancorp
Historical stock prices
Current Share Price	US$21.55
52 Week High	US$21.99
52 Week Low	US$11.26
Beta	0.41
1 Month Change	0.94%
3 Month Change	6.68%
1 Year Change	89.04%
3 Year Change	109.22%
5 Year Change	209.63%
Change since IPO	378.89%

Recent updates

Shareholder Returns

	RBAZ	US Banks	US Market
7D	0%	1.2%	0.6%
1Y	89.0%	17.3%	11.6%

Return vs Industry: RBAZ exceeded the US Banks industry which returned 16.8% over the past year.

Return vs Market: RBAZ exceeded the US Market which returned 9.3% over the past year.

Price Volatility

Is RBAZ's price volatile compared to industry and market?
RBAZ volatility
RBAZ Average Weekly Movement	2.2%
Banks Industry Average Movement	3.6%
Market Average Movement	6.5%
10% most volatile stocks in US Market	16.2%
10% least volatile stocks in US Market	3.1%

Stable Share Price: RBAZ has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: RBAZ's weekly volatility has decreased from 8% to 2% over the past year.

About the Company

Founded	Employees	CEO	Website
2007	n/a	Brian Ruisinger	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, Inc. Fundamentals Summary

How do RBAZ Bancorp's earnings and revenue compare to its market cap?
RBAZ fundamental statistics
Market cap	US$38.57m
Earnings (TTM)	US$3.73m
Revenue (TTM)	US$12.79m

10.3x

P/E Ratio

1.5x

P/B Ratio

Is RBAZ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
RBAZ income statement (TTM)
Revenue	US$12.79m
Cost of Revenue	US$0
Gross Profit	US$12.79m
Other Expenses	US$9.06m
Earnings	US$3.73m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	2.08
Gross Margin	100.00%
Net Profit Margin	29.16%
Debt/Equity Ratio	61.2%

How did RBAZ perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/05 20:58
End of Day Share Price	2025/05/01 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

RBAZ Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

RBAZ Bancorp, Inc.OTCPK:RBAZ Stock Report