RBAZ Bancorp, Inc.

RBAZ

RBAZRBAZ Bancorp, Inc. US flag

Other OTC

21.55

USD

- -

38.68MMarket Cap

Profitability (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Return on Common Equity (%)	- -	21.22	35.44	26.1	25.72
Return on Assets (%)	- -	0.57	0.91	0.82	0.96
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	12.36	22.5	35.41	30.43	30.5
Profit Margin (%)	10.5	16.63	27.45	23.75	23.85
Net Income to Common Margin (%)	10.5	16.63	27.45	23.75	23.85
Effective Tax Rate (%)	15	26.09	22.47	21.94	21.8
Dvd Payout Ratio (%)	114.16	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	21.22	35.44	26.1	25.72

Credit (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Debt	2	6	7	16	22
ST Debt	- -	- -	- -	- -	- -
LT Debt	2	6	7	16	22
Total Debt/EBITDA	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.33	2.34	2.75	3.48	3.96
Long-Term Debt/Equity (%)	9.82	37.81	37.23	86.03	102.95
Long-Term Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Long-Term Debt/Total Assets (%)	1.43	3.35	3	6.65	8
Total Debt/Equity (%)	9.82	37.81	37.23	86.03	102.95
Total Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Total Debt/Total Assets (%)	1.43	3.35	3	6.65	8
Net Debt to Equity	-14.37	-73.19	-191.07	-42.96	-17.64
Net Debt/Capital (%)	-77.97	817.14	159.58	-48.74	-12.94
EBITDA	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	-2	- -
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Cash Ratio	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.33	2.34	2.75	3.48	3.96
Long-Term Debt/Equity (%)	9.82	37.81	37.23	86.03	102.95
Long-Term Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Long-Term Debt/Total Assets (%)	1.43	3.35	3	6.65	8
Total Debt/Equity (%)	9.82	37.81	37.23	86.03	102.95
Total Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Total Debt/Total Assets (%)	1.43	3.35	3	6.65	8
CFO/Total Liabilities	1.15	0.78	1.07	0.69	1.48
CFO/CapEx	8.73	24.7	74.31	0.95	11.82
Altman's Z-Score	0.16	0.09	0.11	0.12	0.13

Working Capital (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Accounts Receivable Turnover	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Market Capitalization	15	13	19	18	20
- Cash & Cash Equivalents	2	12	36	8	4
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	2	6	7	16	22
Enterprise Value	15	7	-10	26	38
Total Capital	5	11	13	24	33
Total Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Total Debt / EV	0.11	0.92	-0.71	0.61	0.57
EV/Sales	3.42	1.35	- -	3.22	3.7
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	13.81	5.15	- -	17.06	10.22
EV/Free Cash Flow to Firm	12.39	4.95	- -	8.33	9.43
Diluted Market Cap	17	13	20	19	21
Diluted Enterprise Value	16	7	-9	27	39
EV per Share	8.15	3.85	- -	14.4	21.07
TTM Sales	4	5	7	8	10
TTM EBITDA	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	2	2	4
TTM Free Cash Flow to Firm	1	1	2	3	4

Multiples (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Price/Free Cash Flow	14.51	9.45	8.58	6.05	5.1
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	15	7	-10	26	38
Low Price	6.75	5.5	6.86	9.36	7.5
EV/Sales	3.42	1.35	- -	3.22	3.7
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	34.16	15.13	9.89	9.42	8.18
Price/Earnings Average	31.48	15.16	8.56	9.84	6.8
Price/Earnings High	35.92	18.51	10.41	10.36	8.18
Price/Earnings Low	26.97	11.64	6.46	8.81	5.53
Price/Book Value	4.26	2.9	2.98	2.17	1.86
Price/Book Value Average	3.93	2.91	2.58	2.27	1.55
Price/Book Value High	4.48	3.55	3.13	2.39	1.86
Price/Book Value Low	3.36	2.23	1.95	2.03	1.26
Price/Tangible Book Value	0.99	0.77	1.02	0.98	0.95
Price/Tangible Book Value Average	0.91	0.77	0.88	1.03	0.79
Price/Tangible Book Value High	1.04	0.94	1.07	1.08	0.95
Price/Tangible Book Value Low	0.78	0.59	0.67	0.92	0.64
Price/Sales	3.59	2.52	2.72	2.24	1.95
Price/Sales Average	3.31	2.52	2.35	2.34	1.62
Price/Sales High	3.77	3.08	2.86	2.46	1.95
Price/Sales Low	2.83	1.93	1.77	2.09	1.32
Price/Cash Flow	14.48	9.57	8.37	11.85	5.39
Price/Cash Flow Average	13.34	9.59	7.24	12.38	4.48
Price/Cash Flow High	15.22	11.71	8.81	13.03	5.39
Price/Cash Flow Low	11.43	7.36	5.47	11.09	3.64
Price/Free Cash Flow Average	13.37	9.47	7.42	6.32	4.24
Price/Free Cash Flow High	15.26	11.57	9.03	6.65	5.1
Price/Free Cash Flow Low	11.45	7.27	5.6	5.66	3.44
EV/Sales Average	3.14	1.36	- -	3.32	3.37
EV/Sales High	3.61	1.92	- -	3.44	3.7
EV/Sales Low	2.67	0.77	- -	3.08	3.07
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	8.55	7.15	10.5	10	11.1
High Price	8.99	8.75	11.05	11	11.1
Enterprise Value Average	13	7	-12	27	35
Enterprise Value High	15	10	-9	28	38
Enterprise Value Low	11	4	-16	25	32

Profitability (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Return on Common Equity (%)	- -	21.22	35.44	26.1	25.72
Return on Assets (%)	- -	0.57	0.91	0.82	0.96
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	12.36	22.5	35.41	30.43	30.5
Profit Margin (%)	10.5	16.63	27.45	23.75	23.85
Net Income to Common Margin (%)	10.5	16.63	27.45	23.75	23.85
Effective Tax Rate (%)	15	26.09	22.47	21.94	21.8
Dvd Payout Ratio (%)	114.16	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	21.22	35.44	26.1	25.72

Credit (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Debt	2	6	7	16	22
ST Debt	- -	- -	- -	- -	- -
LT Debt	2	6	7	16	22
Total Debt/EBITDA	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.33	2.34	2.75	3.48	3.96
Long-Term Debt/Equity (%)	9.82	37.81	37.23	86.03	102.95
Long-Term Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Long-Term Debt/Total Assets (%)	1.43	3.35	3	6.65	8
Total Debt/Equity (%)	9.82	37.81	37.23	86.03	102.95
Total Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Total Debt/Total Assets (%)	1.43	3.35	3	6.65	8
Net Debt to Equity	-14.37	-73.19	-191.07	-42.96	-17.64
Net Debt/Capital (%)	-77.97	817.14	159.58	-48.74	-12.94
EBITDA	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	-2	- -
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Cash Ratio	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.33	2.34	2.75	3.48	3.96
Long-Term Debt/Equity (%)	9.82	37.81	37.23	86.03	102.95
Long-Term Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Long-Term Debt/Total Assets (%)	1.43	3.35	3	6.65	8
Total Debt/Equity (%)	9.82	37.81	37.23	86.03	102.95
Total Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Total Debt/Total Assets (%)	1.43	3.35	3	6.65	8
CFO/Total Liabilities	1.15	0.78	1.07	0.69	1.48
CFO/CapEx	8.73	24.7	74.31	0.95	11.82
Altman's Z-Score	0.16	0.09	0.11	0.12	0.13

Working Capital (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Accounts Receivable Turnover	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Market Capitalization	15	13	19	18	20
- Cash & Cash Equivalents	2	12	36	8	4
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	2	6	7	16	22
Enterprise Value	15	7	-10	26	38
Total Capital	5	11	13	24	33
Total Debt/Capital (%)	29.95	58.87	52.19	65.62	66.86
Total Debt / EV	0.11	0.92	-0.71	0.61	0.57
EV/Sales	3.42	1.35	- -	3.22	3.7
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	13.81	5.15	- -	17.06	10.22
EV/Free Cash Flow to Firm	12.39	4.95	- -	8.33	9.43
Diluted Market Cap	17	13	20	19	21
Diluted Enterprise Value	16	7	-9	27	39
EV per Share	8.15	3.85	- -	14.4	21.07
TTM Sales	4	5	7	8	10
TTM EBITDA	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	2	2	4
TTM Free Cash Flow to Firm	1	1	2	3	4

Multiples (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Price/Free Cash Flow	14.51	9.45	8.58	6.05	5.1
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	15	7	-10	26	38
Low Price	6.75	5.5	6.86	9.36	7.5
EV/Sales	3.42	1.35	- -	3.22	3.7
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	34.16	15.13	9.89	9.42	8.18
Price/Earnings Average	31.48	15.16	8.56	9.84	6.8
Price/Earnings High	35.92	18.51	10.41	10.36	8.18
Price/Earnings Low	26.97	11.64	6.46	8.81	5.53
Price/Book Value	4.26	2.9	2.98	2.17	1.86
Price/Book Value Average	3.93	2.91	2.58	2.27	1.55
Price/Book Value High	4.48	3.55	3.13	2.39	1.86
Price/Book Value Low	3.36	2.23	1.95	2.03	1.26
Price/Tangible Book Value	0.99	0.77	1.02	0.98	0.95
Price/Tangible Book Value Average	0.91	0.77	0.88	1.03	0.79
Price/Tangible Book Value High	1.04	0.94	1.07	1.08	0.95
Price/Tangible Book Value Low	0.78	0.59	0.67	0.92	0.64
Price/Sales	3.59	2.52	2.72	2.24	1.95
Price/Sales Average	3.31	2.52	2.35	2.34	1.62
Price/Sales High	3.77	3.08	2.86	2.46	1.95
Price/Sales Low	2.83	1.93	1.77	2.09	1.32
Price/Cash Flow	14.48	9.57	8.37	11.85	5.39
Price/Cash Flow Average	13.34	9.59	7.24	12.38	4.48
Price/Cash Flow High	15.22	11.71	8.81	13.03	5.39
Price/Cash Flow Low	11.43	7.36	5.47	11.09	3.64
Price/Free Cash Flow Average	13.37	9.47	7.42	6.32	4.24
Price/Free Cash Flow High	15.26	11.57	9.03	6.65	5.1
Price/Free Cash Flow Low	11.45	7.27	5.6	5.66	3.44
EV/Sales Average	3.14	1.36	- -	3.32	3.37
EV/Sales High	3.61	1.92	- -	3.44	3.7
EV/Sales Low	2.67	0.77	- -	3.08	3.07
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	8.55	7.15	10.5	10	11.1
High Price	8.99	8.75	11.05	11	11.1
Enterprise Value Average	13	7	-12	27	35
Enterprise Value High	15	10	-9	28	38
Enterprise Value Low	11	4	-16	25	32

Shares Outstanding	- -	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2
Revenue per Share	2.38	2.84	3.87	4.47	5.69
EBITDA per Share	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.25	0.47	1.06	1.06	1.36
Basic EPS from Cont Ops	0.25	0.47	1.06	1.06	1.36
Diluted EPS, GAAP	0.22	0.46	1.02	1.02	1.32
Diluted EPS from Cont Ops	0.22	0.46	1.02	1.02	1.32
Dividend per Share	0.29	- -	- -	- -	- -
Cash Flow per Share	0.59	0.75	1.25	0.84	2.06
Free Cash Flow per Basic Share	0.52	0.72	1.24	-0.04	1.89
Cash & Equivalents per Share	1.25	6.83	19.75	4.39	2.06
Book Value per Share	2.01	2.46	3.53	4.6	5.96
Tangible Book Value per Share	8.66	9.28	10.31	10.19	11.68

RBAZ Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)