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
|Historical stock prices|
|Current Share Price||US$10.55|
|52 Week High||US$11.05|
|52 Week Low||US$9.01|
|1 Month Change||0.96%|
|3 Month Change||8.76%|
|1 Year Change||22.67%|
|3 Year Change||24.12%|
|5 Year Change||44.52%|
|Change since IPO||134.44%|
Recent News & Updates
|RBAZ||US Banks||US Market|
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.
|RBAZ Average Weekly Movement||4.3%|
|Banks Industry Average Movement||3.7%|
|Market Average Movement||7.7%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||3.2%|
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
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
|RBAZ fundamental statistics|
Is RBAZ overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|RBAZ income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||1.12|
|Net Profit Margin||30.10%|
How did RBAZ perform over the long term?See historical performance and comparison
Is RBAZ undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is RBAZ's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does RBAZ's PE Ratio compare to its peers?
|RBAZ PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
GVFF Greenville Federal Financial
WBZB Washington Business Bank
CDAB Coeur d'Alene Bancorp
CSKL Catskill Hudson Bancorp
RBAZ RBAZ Bancorp
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.
|Current PE Ratio||9.5x|
|Fair PE Ratio||n/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.
Discover undervalued companies
How is RBAZ Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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.
Discover growth companies
- 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.
How has RBAZ Bancorp performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
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.
Discover strong past performing companies
How is RBAZ Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
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%).
Discover healthy companies
What is RBAZ Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 0/6
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.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
RBAZ Bancorp has no CEO, or we have no data on them.
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
RBAZ Bancorp, Inc.'s employee growth, exchange listings and data sources
- 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
- RBAZ Bancorp, Inc.
- 645 East Missouri Avenue
- Suite 108
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/15 00:00|
|End of Day Share Price||2022/08/15 00:00|
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.