Republic Bancorp (RBCAA)
NASDAQ:RBCAA
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Republic Bancorp
(NASDAQ:RBCAA)
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Rating:77Outperform
Price Target:
$88.00
â–²(19.19% Upside)
Action:Reiterated
Date:05/10/26
The score is driven primarily by solid financial quality (strong margins, steady ROE, improved leverage) and supportive technical momentum (above key moving averages with positive MACD). Valuation is a notable positive (low P/E with a moderate dividend), while the main offsets are softer TTM revenue and less consistent cash-flow performance; corporate events add a modest positive tilt.
Positive Factors
Strong Profitability
Consistently high TTM margins and steady ROE indicate durable core banking economics. Strong operating and net margins provide ongoing earnings resilience through rate cycles, support internal capital generation, and improve the bank's ability to invest in technology and talent for long-term competitiveness.
Negative Factors
Revenue Pressure
Recent TTM revenue decline signals cooling top-line momentum after prior expansion. Persistent revenue weakness could impair operating leverage, constrain reinvestment capacity, and force greater reliance on margin or cost management to sustain earnings growth over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Consistently high TTM margins and steady ROE indicate durable core banking economics. Strong operating and net margins provide ongoing earnings resilience through rate cycles, support internal capital generation, and improve the bank's ability to invest in technology and talent for long-term competitiveness.
Read all positive factors
Republic Bancorp (RBCAA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.35B
Dividend Yield2.57%
Average Volume (3M)25.79K
Price to Earnings (P/E)8.2
Beta (1Y)0.78
Revenue Growth-2.48%
EPS Growth7.25%
CountryUS
Employees981
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.32
Shares Outstanding17,461,077
10 Day Avg. Volume28,488
30 Day Avg. Volume25,789
Financial Highlights & Ratios
PEG Ratio0.38
Price to Book (P/B)1.24
Price to Sales (P/S)2.61
P/FCF Ratio8.45
Enterprise Value/Market Cap0.92
Enterprise Value/Revenue2.50
Enterprise Value/Gross Profit3.33
Enterprise Value/Ebitda7.34
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.11
Revenue Forecast (FY)$399.00M
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 Sol...
How the Company Makes Money
Republic Bancorp primarily earns money through (1) net interest income and (2) noninterest income (fees), with additional contributions from smaller operating segments and financial results tied to credit performance and funding costs.
1) Net int...
Republic Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 494.33M | 521.34M | 499.79M | 421.56M | 316.22M | 310.02M |
| Gross Profit | 370.60M | 385.90M | 324.58M | 306.65M | 286.38M | 289.55M |
| EBITDA | 168.22M | 165.71M | 142.33M | 128.22M | 134.90M | 129.75M |
| Net Income | 126.62M | 131.32M | 101.37M | 90.37M | 91.11M | 87.61M |
Balance Sheet | ||||||
| Total Assets | 7.25B | 7.04B | 6.85B | 6.59B | 5.83B | 6.09B |
| Cash, Cash Equivalents and Short-Term Investments | 599.11M | 219.97M | 775.08M | 907.88M | 934.05M | 1.25B |
| Total Debt | 479.33M | 626.87M | 535.44M | 513.16M | 349.76M | 355.64M |
| Total Liabilities | 6.12B | 5.94B | 5.85B | 5.68B | 4.98B | 5.26B |
| Stockholders Equity | 1.13B | 1.10B | 992.03M | 912.76M | 856.61M | 834.23M |
Cash Flow | ||||||
| Free Cash Flow | 137.64M | 161.11M | 143.19M | 101.64M | 151.29M | 94.47M |
| Operating Cash Flow | 148.03M | 168.21M | 149.00M | 108.53M | 154.79M | 100.25M |
| Investing Cash Flow | -398.59M | -436.12M | -181.03M | -516.95M | -254.51M | 306.55M |
| Financing Cash Flow | 56.65M | 55.73M | 147.61M | 411.30M | -343.56M | -135.42M |
Republic Bancorp Technical Analysis
Positive
73.83
Price Trends
72.90
Positive
71.72
Positive
70.89
Positive
Market Momentum
0.99
Positive
59.28
Neutral
58.48
Neutral
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 73.83 is below the 20-day moving average (MA) of 75.97, above the 50-day MA of 72.90, and above the 200-day MA of 70.89, indicating a bullish trend. The MACD of 0.99 indicates Positive momentum. The RSI at 59.28 is Neutral, neither overbought nor oversold. The STOCH value of 58.48 is Neutral, 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 47 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $1.47B | 8.92 | 6.32% | 2.68% | 39.87% | -5.34% | |
77 Outperform | $1.35B | 8.20 | 12.27% | 2.57% | -2.48% | 7.25% | |
74 Outperform | $1.60B | 18.95 | 10.83% | 3.99% | 13.74% | 5.34% | |
73 Outperform | $1.60B | 10.53 | 8.46% | 3.14% | 15.01% | 316.06% | |
73 Outperform | $1.47B | 9.42 | 11.20% | 1.34% | 3.02% | 13.80% | |
70 Outperform | $1.47B | 10.66 | 12.33% | 0.28% | 3.37% | 19.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
RBCAA
Republic Bancorp
77.55
5.92
8.26%
DCOM
Dime Community Bancshares
35.71
9.83
38.00%
QCRH
QCR Holdings
88.46
17.92
25.40%
CNOB
ConnectOne Bancorp
29.06
5.86
25.26%
BY
Byline Bancorp
32.30
5.53
20.64%
BFC
Bank First National
143.37
28.11
24.39%
Republic Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Republic Bancorp Shareholders Reaffirm Board and Auditor Appointments
Positive
Apr 24, 2026
On April 23, 2026, Republic Bancorp, Inc. held its 2026 Annual Meeting of Shareholders, where investors elected 13 directors to serve on the board until the 2027 annual meeting or until their successors are chosen, reaffirming the company’s ...
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Republic Bancorp Highlights Record 2025 Results and Strategy
Positive
Apr 23, 2026
At its Annual Meeting of Shareholders held on April 23, 2026, in Louisville, Kentucky, Republic Bancorp presented an overview of its business footprint, strategic priorities and recent performance, highlighting its status as a leading community ba...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Republic Bancorp Divests Finance Unit in Strategic Shift
Positive
Feb 24, 2026
On February 20, 2026, Republic Bancorp’s Republic Bank Trust Company completed the sale of substantially all assets of its Republic Bank Finance division to CAN Capital Merchant Services, Inc., pursuant to an agreement first announced on De...
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.