Republic Bancorp (RBCAA) AI Stock Analysis

• Market Cap: $1.09B
• Dividend Yield: 2.76%
• Average Volume (3M): 32.97K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 0.86
• Revenue Growth: 18.29%
• EPS Growth: 13.31%
• Country: US
• Employees: 978
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 5.17
• Shares Outstanding: 17,340,433
• 10 Day Avg. Volume: 47,479
• 30 Day Avg. Volume: 32,969
• PEG Ratio: 0.91
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.77
• Price to Cash Flow (P/CF): 13.20
• P/FCF Ratio: 6.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

Republic Bancorp holds a strong financial position with solid profitability and effective cash generation. The recent increase in dividends highlights its commitment to shareholder value. However, technical indicators suggest caution due to potential downward momentum. The valuation appears reasonable, making it a balanced investment opportunity.

Republic Bancorp Business Overview & Revenue Model

Company Description

Republic Bancorp, Inc. (RBCAA) is a financial holding company that operates primarily through its subsidiary, Republic Bank & Trust Company. Headquartered in Louisville, Kentucky, the bank provides a wide range of financial products and services to individuals, businesses, and government entities. Its core offerings include personal banking, business banking, mortgage banking, and treasury management services. The company has a footprint in several states, with a focus on providing community-oriented banking solutions.

How the Company Makes Money

Republic Bancorp generates revenue primarily through traditional banking activities. Interest income from loans and investment securities forms the bulk of its earnings, as the bank lends out deposits to borrowers at higher interest rates than it pays to depositors. Additionally, the company earns non-interest income from fees associated with various financial services, including transaction fees, mortgage banking fees, and service charges on deposit accounts. The bank also benefits from its tax refund solutions business, which provides tax-related financial products to consumers and tax preparers. Key factors influencing its earnings include interest rate fluctuations, credit demand, and economic conditions in the regions it operates.

Republic Bancorp Financial Statement Overview

Summary

Republic Bancorp demonstrates strong financial health with solid profitability, low leverage, and effective cash generation. While revenue growth is steady, limited data on certain metrics like EBITDA margin and fluctuating free cash flow growth suggest areas for potential improvement.

Income Statement

Republic Bancorp shows solid profitability with a high EBIT margin of 87% and consistent net profit margins, indicating efficient cost management. Revenue growth appears stable, though growth rates have been moderate over recent years. The absence of EBITDA margin figures limits further analysis.

Balance Sheet

The company maintains a robust equity position with a high equity ratio of 38.5%, reflecting financial stability. A low debt-to-equity ratio of 0.04 suggests conservative leverage, reducing financial risk. Strong ROE of 40.8% underscores effective shareholder value creation.

Cash Flow

Cash flow analysis reveals a strong operating cash flow to net income ratio, highlighting good cash conversion. However, variability in free cash flow growth, with a high positive rate in recent years, suggests some fluctuations in cash management.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
72.65M	310.88M	308.73M	302.49M	315.06M
	Gross Profit
72.65M	310.88M	308.73M	302.49M	315.06M
	EBIT
63.21M	115.37M	119.27M	110.34M	102.63M
	EBITDA
0.00	0.00	124.44M	120.43M	112.36M
	Net Income Common Stockholders
101.37M	90.37M	91.11M	87.61M	83.25M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
787.18M	907.88M	985.55M	1.25B	1.01B
	Total Assets
6.44B	6.59B	5.83B	6.09B	6.17B
	Total Debt
101.68M	513.16M	132.81M	64.67M	320.58M
	Net Debt
-38.09M	196.59M	-180.88M	-692.30M	-165.01M
	Total Liabilities
4.40B	5.68B	4.98B	64.67M	320.58M
	Stockholders Equity
2.48B	912.76M	856.61M	834.23M	823.32M
Cash Flow		Free Cash Flow
149.00M	101.64M	151.29M	93.65M	64.85M
	Operating Cash Flow
149.00M	108.53M	154.79M	99.43M	68.43M
	Investing Cash Flow
-181.03M	-516.95M	-254.51M	306.55M	-415.02M
	Financing Cash Flow
147.61M	411.30M	-343.56M	-134.60M	446.87M

Republic Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 60.66
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RBCAA, the sentiment is Negative. The current price of 60.66 is below the 20-day moving average (MA) of 63.34, below the 50-day MA of 64.77, and below the 200-day MA of 65.11, indicating a bearish trend. The MACD of -0.41 indicates Negative momentum. The RSI at 44.11 is Neutral, neither overbought nor oversold. The STOCH value of 21.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RBCAA.

Republic Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFBC	76 Outperform	$1.06B	8.24	17.92%	3.74%	8.03%	-8.05%
RBCAA	71 Outperform	$1.09B	12.15	10.64%	2.76%	18.29%	13.31%
BY	70 Outperform	$1.11B	8.98	11.60%	1.50%	16.41%	3.09%
DCOM	69 Neutral	$1.06B	43.93	2.19%	4.14%	0.87%	-74.06%
BHLB	68 Neutral	$1.07B	16.11	5.60%	3.13%	4.29%	-9.78%
LOB	66 Neutral	$1.17B	15.21	8.15%	0.51%	16.48%	3.59%
Sector *	64 Neutral	$13.21B	9.26	9.39%	4.87%	16.14%	-8.87%

Republic Bancorp Corporate Events

Republic Bancorp Boosts Quarterly Dividends for 27th Year

On January 22, 2025, Republic Bancorp, Inc. announced an 11% increase in its quarterly cash dividends, marking the 27th consecutive year of such increases. This move, which reflects the company’s ongoing success, results in an annualized dividend yield of 2.61% for its Class A Common Stock based on the stock’s closing price on January 21, 2025.