Republic Bancorp (RBCAA) AI Stock Analysis

• Market Cap: $1.24B
• Dividend Yield: 2.4%
• Average Volume (3M): 38.92K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.86
• Revenue Growth: 8.97%
• EPS Growth: 27.79%
• Country: US
• Employees: 981
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.61
• Shares Outstanding: 17,374,735
• 10 Day Avg. Volume: 26,736
• 30 Day Avg. Volume: 38,924
• PEG Ratio: 1.03
• Price to Book (P/B): 1.37
• Price to Sales (P/S): 2.72
• P/FCF Ratio: 9.49
• Enterprise Value/Market Cap: 1.15
• Enterprise Value/Revenue: 2.80
• Enterprise Value/Gross Profit: 4.04
• Enterprise Value/Ebitda: 8.71
• 1Y Price Target: $77.00
• Price Target Upside: 5.35% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 74 Outperform
• Price Target: $77.00 ▲(5.35% Upside)

Republic Bancorp's strong financial performance is the most significant factor, supported by robust revenue and profit growth, prudent leverage, and effective cash flow management. The valuation is fair, with a reasonable P/E ratio and attractive dividend yield. Technical analysis suggests caution due to bearish momentum indicators. Overall, the stock is well-positioned in the regional banking industry, with solid financial health and growth potential.

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 generates revenue primarily through interest income earned on loans and securities, as well as non-interest income from various fees and services. The key revenue streams include interest earned from commercial and consumer loans, mortgage origination fees, and service charges on deposit accounts. Additionally, the company benefits from its mortgage banking operations, generating revenue through the origination and sale of mortgage loans. Significant partnerships with real estate developers and other financial institutions also enhance their earnings potential. Overall, the combination of interest income from loans and diversified non-interest income sources supports the company's financial performance.

Republic Bancorp Financial Statement Overview

Summary

Republic Bancorp exhibits strong financial performance with robust revenue growth and profitability. The income statement highlights efficient cost management and operational efficiency. The balance sheet reflects moderate leverage and effective equity utilization, while cash flow statements underscore significant cash generation supporting growth opportunities.

Income Statement

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

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

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.

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	100.25M	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: 73.09
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 73.09 is above the 20-day moving average (MA) of 71.25, above the 50-day MA of 71.46, and above the 200-day MA of 68.93, indicating a neutral trend. The MACD of -1.03 indicates Positive momentum. The RSI at 52.00 is Neutral, neither overbought nor oversold. The STOCH value of 54.47 is Neutral, 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	79 Outperform	$1.24B	9.77	17.20%	3.17%	-2.96%	-6.62%
LOB	78 Outperform	$1.52B	27.21	5.54%	0.35%	10.13%	-50.08%
BHLB	77 Outperform	$1.18B	9.96	10.13%	2.76%	15.55%	401.99%
BY	77 Outperform	$1.24B	10.10	10.69%	1.44%	2.23%	-1.13%
RBCAA	74 Outperform	$1.24B	11.27	12.34%	2.40%	8.97%	27.79%
DCOM	73 Outperform	$1.27B	34.37	3.24%	3.45%	-3.08%	-45.24%
Sector *	70 Neutral	€14.05B	9.35	7.13%	4.58%	36.70%	30.95%

Republic Bancorp Corporate Events

Republic Bancorp Declares Q3 2025 Cash Dividend

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.

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.