Republic Bancorp (RBCAA) AI Stock Analysis

• Market Cap: $1.32B
• Dividend Yield: 2.37%
• Average Volume (3M): 71.34K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.80
• Revenue Growth: 12.35%
• EPS Growth: 27.46%
• Country: US
• Employees: 981
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 2.42
• Shares Outstanding: 17,374,735
• 10 Day Avg. Volume: 125,537
• 30 Day Avg. Volume: 71,343
• PEG Ratio: 0.71
• Price to Book (P/B): 1.31
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.20
• Enterprise Value/Market Cap: 0.68
• Enterprise Value/Revenue: 0.46
• Enterprise Value/Gross Profit: 2.54
• Enterprise Value/Ebitda: 1.51
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: $78.00 ▲(2.46%Upside)

Republic Bancorp's strong financial performance and positive corporate events are the primary drivers of its overall score. The stock's technical indicators suggest an overbought condition, which tempers the score slightly. Valuation metrics indicate the stock is reasonably priced with an attractive dividend yield, contributing positively to the score.

Republic Bancorp Business Overview & Revenue Model

Company Description

Republic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit. Its loan products include residential real estate, commercial real estate, construction and land development, home improvement and home equity, secured and unsecured personal, and aircraft loans. The company also offers credit cards; title insurance and other financial products and services; and memory banking, private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it provides short-term and revolving credit facilities to mortgage bankers; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; and general purpose reloadable prepaid cards through third party service providers. Further, the company offers consumer credit products; and property and casualty insurance products. As of January 28, 2022, it operated 42 full-service banking centers. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.

How the Company Makes Money

Republic Bancorp, Inc. generates revenue through various banking and financial service activities. The primary revenue streams include interest income from loans, mortgages, and other lending products, as well as service charges and fees from deposit accounts and financial transaction services. Additionally, the company earns income from its wealth management services, which include investment advisory and brokerage services. The bank also benefits from net interest margin, which is the difference between interest earned on assets and interest paid on liabilities. Strategic partnerships and local market presence further contribute to its earnings by expanding its customer base and enhancing service offerings.

Republic Bancorp Financial Statement Overview

Summary

Republic Bancorp demonstrates strong financial health with solid profitability, low leverage, and effective cash generation. It maintains a robust equity position and a conservative debt level, though there is some fluctuation in free cash flow growth.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	508.44M	499.79M	421.56M	316.22M	310.02M	335.01M
Gross Profit	352.75M	324.58M	306.65M	286.38M	289.55M	283.79M
EBITDA	163.62M	142.33M	128.22M	134.90M	129.75M	116.11M
Net Income	118.03M	101.37M	90.37M	91.11M	87.61M	83.25M
Balance Sheet
Total Assets	7.08B	6.85B	6.59B	5.83B	6.09B	6.17B
Cash, Cash Equivalents and Short-Term Investments	1.17B	775.08M	907.88M	934.05M	1.25B	1.01B
Total Debt	496.55M	535.44M	513.16M	349.76M	355.64M	531.61M
Total Liabilities	6.04B	5.85B	5.68B	4.98B	5.26B	5.35B
Stockholders Equity	1.03B	992.03M	912.76M	856.61M	834.23M	823.32M
Cash Flow
Free Cash Flow	165.62M	143.19M	101.64M	151.29M	93.65M	71.85M
Operating Cash Flow	170.96M	149.00M	108.53M	154.79M	99.43M	75.43M
Investing Cash Flow	14.93M	-181.03M	-516.95M	-254.51M	306.55M	-422.02M
Financing Cash Flow	60.76M	147.61M	411.30M	-343.56M	-135.42M	446.87M

Republic Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 76.13
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RBCAA, the sentiment is Positive. The current price of 76.13 is above the 20-day moving average (MA) of 70.45, above the 50-day MA of 70.06, and above the 200-day MA of 67.71, indicating a bullish trend. The MACD of 1.42 indicates Negative momentum. The RSI at 72.94 is Negative, neither overbought nor oversold. The STOCH value of 94.11 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RBCAA.

Republic Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFBC	78 Outperform	$1.21B	9.59	17.21%	3.32%	0.94%	-8.61%
LOB	77 Outperform	$1.45B	24.36	6.10%	0.38%	12.30%	-41.81%
BY	77 Outperform	$1.17B	10.39	11.08%	1.43%	7.63%	-1.13%
RBCAA	76 Outperform	$1.32B	12.66	11.98%	2.37%	12.35%	27.46%
BHLB	76 Outperform	$1.23B	10.76	9.69%	2.72%	17.96%	399.48%
Sector *	67 Neutral	$16.84B	11.72	9.71%	3.76%	11.61%	-9.60%
DCOM	67 Neutral	$1.24B	44.58	2.45%	3.53%	-2.81%	-64.24%

Republic Bancorp Corporate Events

Republic Bancorp Declares Second Quarter Cash Dividend

On May 21, 2025, Republic Bancorp, Inc. announced a cash dividend for the second quarter of 2025, declaring $0.451 per share on Class A Common Stock and $0.41 per share on Class B Common Stock. The dividends are payable on July 18, 2025, to shareholders recorded by June 20, 2025.

Republic Bancorp Reports Strong Earnings Growth at Annual Meeting

Republic Bancorp, Inc. held its Annual Meeting of Shareholders on April 24, 2025, where it presented its strategic priorities and financial results. The company reported a 13% increase in diluted earnings per share for 2024, driven by a 6.9% growth in net revenue and a modest 1.7% rise in noninterest expenses, resulting in a positive operating leverage. The meeting also highlighted the company’s strong growth in deposits and a favorable decrease in the loan-to-deposit ratio. The Core Bank segment saw a 22% growth in net income, while the Republic Processing Group experienced a slight decline in net income due to higher loss rates on early season refund advances.