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Republic Bancorp (RBCAA)
NASDAQ:RBCAA
US Market
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Republic Bancorp (RBCAA) AI Stock Analysis

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RBCAA

Republic Bancorp

(NASDAQ:RBCAA)

Rating:76Outperform
Price Target:
$78.00
â–²(7.38%Upside)
Republic Bancorp's overall stock score is bolstered by strong financial performance and supportive corporate events. While the technical analysis indicates stability, the valuation suggests the stock is fairly priced. The absence of earnings call data did not impact the score due to weight redistribution.

Republic Bancorp (RBCAA) vs. SPDR S&P 500 ETF (SPY)

Republic Bancorp Business Overview & Revenue Model

Company DescriptionRepublic Bancorp, Inc. (RBCAA) is a financial holding company headquartered in Louisville, Kentucky. It operates primarily through its subsidiary, Republic Bank & Trust Company, providing a wide range of banking and financial services. The company offers personal and business banking products, including checking and savings accounts, loans, credit cards, and wealth management services. It serves customers through a network of banking centers across multiple states.
How the Company Makes MoneyRepublic 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 shows strong financial performance with robust revenue and profit growth, a solid balance sheet with moderate leverage, and efficient cash flow management. The company's financial health and growth potential are well-aligned with its industry standing.
Income Statement
86
Very Positive
Republic Bancorp has demonstrated strong revenue growth with a Revenue Growth Rate of 17.84% over the past year. The Gross Profit Margin stands at 69.34% for the TTM period, indicating efficient cost management. The Net Profit Margin of 23.21% also reflects solid profitability. EBIT and EBITDA margins of 29.30% and 32.17%, respectively, underscore operational efficiency. Overall, the income statement shows robust growth and profitability, positioning the company well in its industry.
Balance Sheet
78
Positive
The company exhibits a solid financial structure with a Debt-to-Equity Ratio of 0.48, indicating moderate leverage. The Return on Equity (ROE) of 11.42% demonstrates effective use of equity in generating profits. The Equity Ratio of 14.61% highlights a stable capital structure, though slightly leaning towards liabilities. Overall, Republic Bancorp maintains a healthy balance sheet with manageable debt levels and consistent equity growth.
Cash Flow
82
Very Positive
Republic Bancorp has shown significant free cash flow generation, with a Free Cash Flow Growth Rate of 15.64%. The Operating Cash Flow to Net Income Ratio of 1.45 indicates strong cash generation relative to net income. The Free Cash Flow to Net Income Ratio of 1.40 further confirms efficient cash flow management. The cash flow statement highlights robust cash generation capabilities, supporting ongoing operations and future growth opportunities.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue499.79M421.56M316.22M310.02M335.01M
Gross Profit324.58M306.65M286.38M289.55M283.79M
EBITDA142.33M128.22M134.90M129.75M116.11M
Net Income101.37M90.37M91.11M87.61M83.25M
Balance Sheet
Total Assets6.85B6.59B5.83B6.09B6.17B
Cash, Cash Equivalents and Short-Term Investments775.08M907.88M934.05M1.25B1.01B
Total Debt535.44M513.16M349.76M355.64M531.61M
Total Liabilities5.85B5.68B4.98B5.26B5.35B
Stockholders Equity992.03M912.76M856.61M834.23M823.32M
Cash Flow
Free Cash Flow143.19M101.64M151.29M93.65M71.85M
Operating Cash Flow149.00M108.53M154.79M100.25M75.43M
Investing Cash Flow-181.03M-516.95M-254.51M306.55M-422.02M
Financing Cash Flow147.61M411.30M-343.56M-135.42M446.87M

Republic Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price72.64
Price Trends
50DMA
71.89
Positive
100DMA
68.41
Positive
200DMA
68.59
Positive
Market Momentum
MACD
0.77
Positive
RSI
46.87
Neutral
STOCH
18.97
Positive
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 72.64 is below the 20-day moving average (MA) of 74.70, above the 50-day MA of 71.89, and above the 200-day MA of 68.59, indicating a neutral trend. The MACD of 0.77 indicates Positive momentum. The RSI at 46.87 is Neutral, neither overbought nor oversold. The STOCH value of 18.97 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RBCAA.

Republic Bancorp Risk Analysis

Republic Bancorp disclosed 48 risk factors in its most recent earnings report. Republic Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Republic Bancorp Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$1.30B10.2317.20%3.05%-2.96%-7.14%
77
Outperform
$1.13B10.2911.08%1.41%7.63%-1.13%
76
Outperform
$1.26B11.7712.34%2.36%9.00%27.47%
76
Outperform
$1.21B10.6524.57%3.43%17.96%399.48%
76
Outperform
$1.48B26.515.54%0.37%10.13%-50.08%
68
Neutral
$17.10B11.629.70%3.86%11.32%-7.37%
67
Neutral
$1.24B33.643.28%3.53%-2.81%-64.24%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
RBCAA
Republic Bancorp
72.64
6.65
10.08%
BHLB
Berkshire Hills
26.23
-1.05
-3.85%
DCOM
Dime Community Bancshares
28.29
4.26
17.73%
PFBC
Preferred Bank
94.13
10.01
11.90%
LOB
Live Oak Bancshares
32.53
-11.82
-26.65%
BY
Byline Bancorp
27.04
-1.27
-4.49%

Republic Bancorp Corporate Events

Dividends
Republic Bancorp Declares Q3 2025 Cash Dividend
Positive
Jul 16, 2025

On July 16, 2025, Republic Bancorp, Inc. announced a cash dividend for its third quarter of 2025, with $0.451 per share for Class A Common Stock and $0.41 per share for Class B Common Stock. The dividends are payable on October 17, 2025, to shareholders of record as of September 19, 2025, reflecting the company’s ongoing commitment to returning value to its shareholders.

Dividends
Republic Bancorp Declares Second Quarter Cash Dividend
Neutral
May 21, 2025

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.

Shareholder MeetingsFinancial Disclosures
Republic Bancorp Reports Strong Earnings Growth at Annual Meeting
Positive
Apr 24, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 17, 2025