OTCPK:RBAZ

Stock Analysis Report

Republic Bank of Arizona

Executive Summary

Republic Bank of Arizona, a community bank, offers various banking products and services for individuals and businesses in Arizona.

Snowflake

Fundamentals

Flawless balance sheet with limited growth.

Risks

  • Republic Bank of Arizona is not covered by any analysts.

Share Price & News

How has Republic Bank of Arizona's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

2.3%

OTCPK:RBAZ

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-8.7%

OTCPK:RBAZ

-14.2%

US Banks

-0.4%

US Market

RBAZ outperformed the Banks industry which returned -16.1% over the past year.

RBAZ underperformed the Market in United States of America which returned -1.7% over the past year.


Share holder returns

RBAZIndustryMarket
7 Day2.3%-2.6%-1.0%
30 Day2.3%-5.5%-3.3%
90 Day8.3%-3.5%0.4%
1 Year-8.7%-8.7%-11.8%-14.2%1.8%-0.4%
3 Year84.8%84.8%42.2%32.4%39.4%30.4%
5 Year104.8%104.8%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Republic Bank of Arizona's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Republic Bank of Arizona undervalued based on future cash flows and its price relative to the stock market?

17.9x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Republic Bank of Arizona's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Republic Bank of Arizona's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Republic Bank of Arizona is overvalued based on earnings compared to the US Banks industry average.

Republic Bank of Arizona is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Republic Bank of Arizona, we can't assess if its growth is good value.


Price Based on Value of Assets

Republic Bank of Arizona is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Republic Bank of Arizona expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

17.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Republic Bank of Arizona is high growth as no revenue estimate data is available.

Republic Bank of Arizona's earnings are expected to grow by 17.3% yearly, however this is not considered high growth (20% yearly).

Unable to compare Republic Bank of Arizona's revenue growth to the United States of America market average as no estimate data is available.

Republic Bank of Arizona's earnings growth is expected to exceed the United States of America market average.

Republic Bank of Arizona's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Republic Bank of Arizona will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Republic Bank of Arizona performed over the past 5 years?

19.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Republic Bank of Arizona's year on year earnings growth rate has been positive over the past 5 years.

Republic Bank of Arizona's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Republic Bank of Arizona's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

Republic Bank of Arizona has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Republic Bank of Arizona used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Republic Bank of Arizona improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Republic Bank of Arizona's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Republic Bank of Arizona has an acceptable proportion of non-loan assets held.

Republic Bank of Arizona has a sufficient allowance for bad loans.

Republic Bank of Arizona's liabilities are made up of primarily low risk sources of funding.

Republic Bank of Arizona's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Republic Bank of Arizona are broadly funded by customer deposits.

Republic Bank of Arizona has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Republic Bank of Arizona's current dividend yield, its reliability and sustainability?

3.29%

Current Dividend Yield


Dividend Yield and Payments Analysis

Republic Bank of Arizona's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.5%).

Republic Bank of Arizona's dividend is below the markets top 25% of dividend payers in United States of America (3.9%).

It is too early to tell whether Republic Bank of Arizona has stable dividend payments.

Republic Bank of Arizona only just started paying a dividend, it is too early to tell if payments are increasing.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Republic Bank of Arizona has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Republic Bank of Arizona's salary, the management and board of directors tenure and is there insider trading?

1.2yrs

Average management tenure


CEO

Ralph Tapscott

5.4yrs

Tenure

Mr. Ralph E. Tapscott has been the Chief Executive Officer and President at RepublicBankAz, N.A. since May 29, 2014. Mr. Tapscott served as Chief Executive Officer and President of State Bank Corp. Mr. Tap ...


Management Age and Tenure

1.2yrs

Average Tenure

The average tenure for the Republic Bank of Arizona management team is less than 2 years, this suggests a new team.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Ralph Tapscott

    President

    • Tenure: 5.4yrs
  • Amy Blunt

    Chief Credit Officer & Executive VP

    • Tenure: 3.8yrs
  • Abigail Thomas

    Assistant VP & Portfolio Manager

    • Tenure: 1.6yrs
  • Todd Grady

    VP & Portfolio Manager

    • Tenure: 1.2yrs
  • Angela Whitney

    VP & Compliance Officer

    • Tenure: 1.2yrs
  • Brian Ruisinger

    Executive VP & CFO

    • Tenure: 1.0yrs
  • Christine Worth

    Controller

    • Tenure: 0.4yrs
  • Jonathan Olson

    Senior VP & Commercial Banker

    • Tenure: 0.6yrs

Board Members

  • Ralph Tapscott

    President

  • Cammi Bailey

    Director

  • Scarlett Spring

    Director

    • Tenure: 5.6yrs
  • Chad Cline

    Director

  • Regina Edwards

    Director

  • Judy Lynn

    Director

  • Alan Sparks

    Chairman of the Board

    • Tenure: 1.2yrs
  • Chris Beams

    Director

Company Information

Republic Bank of Arizona's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Republic Bank of Arizona
  • Ticker: RBAZ
  • Exchange: OTCPK
  • Founded: 2007
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$15.440m
  • Shares outstanding: 1.82m
  • Website: Click here

Location

  • Republic Bank of Arizona
  • 645 East Missouri Avenue
  • Suite 108
  • Phoenix
  • Arizona
  • 85012
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RBAZOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDOct 2012

Biography

Republic Bank of Arizona, a community bank, offers various banking products and services for individuals and businesses in Arizona. It accepts various checking and savings accounts, certificates of deposit ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 00:15
End of Day Share Price2019/08/14 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.