Republic Bancorp (RBCAA) AI Stock Analysis

• Market Cap: $1.28B
• Dividend Yield: 2.37%
• Average Volume (3M): 25.79K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 0.76
• Revenue Growth: 5.21%
• EPS Growth: 24.51%
• Country: US
• Employees: 981
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.52
• Shares Outstanding: 17,388,490
• 10 Day Avg. Volume: 28,488
• 30 Day Avg. Volume: 25,789
• 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: 0.79
• Enterprise Value/Revenue: 1.98
• Enterprise Value/Gross Profit: 2.73
• Enterprise Value/Ebitda: 5.77
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 79 Outperform
• Price Target: $84.00 ▲(13.77% Upside)

Republic Bancorp's strong financial performance and attractive valuation are the most significant factors driving the stock's score. The company's robust revenue growth and profitability, combined with a conservative balance sheet, provide a solid foundation. Technical indicators suggest bullish momentum, though caution is advised due to potential overbought conditions. The dividend announcement further supports positive investor sentiment.

Positive Factors

Revenue Growth

The robust revenue growth indicates successful business expansion and increased market penetration, supporting long-term financial stability.

Balance Sheet Health

A conservative balance sheet with low leverage enhances financial resilience and provides flexibility for future investments or downturns.

Profitability

Strong profitability margins reflect efficient cost management and operational excellence, contributing to sustained earnings power.

Negative Factors

Free Cash Flow Decline

A decline in free cash flow growth may challenge the company's ability to fund operations and growth initiatives, potentially affecting liquidity.

Gross Profit Margin Pressure

Decreasing gross profit margins could indicate rising costs or pricing pressures, which may impact future profitability if not managed.

Stockholders' Equity Growth

Reduced equity growth may limit the company's ability to leverage for expansion or absorb financial shocks, affecting long-term growth potential.

Republic Bancorp Business Overview & Revenue Model

Company Description

Republic Bancorp, Inc. (RBCAA) is a financial holding company headquartered in Louisville, Kentucky, primarily engaged in providing a range of banking and financial services through its subsidiary, Republic Bank & Trust Company. The company operates in the banking sector, offering services such as commercial and consumer banking, mortgage lending, and treasury management. Republic Bancorp focuses on serving individuals, small businesses, and corporate clients, aiming to deliver comprehensive financial solutions tailored to meet diverse customer needs.

How the Company Makes Money

Republic Bancorp generates revenue primarily through interest income from loans and other financial products. The company earns money by providing various loan types, including commercial, consumer, and mortgage loans, which typically have interest rates that contribute significantly to its overall income. Additionally, Republic Bancorp collects fees from services such as account maintenance, transaction processing, and wealth management services. The bank also benefits from non-interest income sources, including service charges and fees on deposit accounts. Strategic partnerships with other financial institutions and businesses further enhance its offerings and customer reach, contributing to the growth of its revenue streams.

Republic Bancorp Financial Statement Overview

Summary

Republic Bancorp exhibits strong financial health across all verticals. The income statement highlights impressive revenue and profit growth, while the balance sheet reflects a stable financial structure with manageable debt levels. The cash flow statement underscores robust cash generation, supporting the company's growth and stability. Despite some increases in debt, the overall financial position is strong, with effective management of resources and profitability.

Income Statement

Republic Bancorp has demonstrated strong revenue growth with a TTM (Trailing-Twelve-Months) revenue growth rate of 73.3%, significantly higher than previous periods. The gross profit margin remains robust at 70.87%, and the net profit margin has improved to 24.27%. The EBIT and EBITDA margins have also shown improvement, indicating efficient cost management and operational effectiveness. Overall, the income statement reflects a positive growth trajectory and strong profitability.

Balance Sheet

The balance sheet of Republic Bancorp shows a moderate debt-to-equity ratio of 0.45, indicating a balanced approach to leveraging. The return on equity (ROE) is healthy at 12.23%, reflecting effective use of equity to generate profits. The equity ratio stands at 15.20%, suggesting a stable capital structure. While the debt levels have increased over the years, the company maintains a solid equity base, supporting financial stability.

Cash Flow

The cash flow statement reveals a strong free cash flow growth rate of 209.7% in the TTM period, indicating robust cash generation capabilities. The operating cash flow to net income ratio is 2.45, suggesting efficient conversion of income into cash. The free cash flow to net income ratio is high at 95.84%, reflecting strong cash flow relative to earnings. Overall, the cash flow position is solid, supporting the company's operational and strategic initiatives.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	513.51M	499.79M	421.56M	316.22M	310.02M	335.01M
Gross Profit	371.91M	324.58M	306.65M	286.38M	289.55M	283.79M
EBITDA	176.13M	142.33M	128.22M	134.90M	129.75M	116.11M
Net Income	127.51M	101.37M	90.37M	91.11M	87.61M	83.25M
Balance Sheet
Total Assets	7.01B	6.85B	6.59B	5.83B	6.09B	6.17B
Cash, Cash Equivalents and Short-Term Investments	1.07B	775.08M	907.88M	934.05M	1.25B	1.01B
Total Debt	483.36M	535.44M	513.16M	349.76M	355.64M	531.61M
Total Liabilities	5.93B	5.85B	5.68B	4.98B	5.26B	5.35B
Stockholders Equity	1.08B	992.03M	912.76M	856.61M	834.23M	823.32M
Cash Flow
Free Cash Flow	150.13M	143.19M	101.64M	151.29M	94.47M	71.85M
Operating Cash Flow	158.44M	149.00M	108.53M	154.79M	100.25M	75.43M
Investing Cash Flow	-409.92M	-181.03M	-516.95M	-254.51M	306.55M	-422.02M
Financing Cash Flow	204.84M	147.61M	411.30M	-343.56M	-135.42M	446.87M

Republic Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 73.83
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 73.83 is above the 20-day moving average (MA) of 69.63, above the 50-day MA of 68.68, and above the 200-day MA of 69.44, indicating a bullish trend. The MACD of 1.58 indicates Negative momentum. The RSI at 68.04 is Neutral, neither overbought nor oversold. The STOCH value of 85.71 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
RBCAA	79 Outperform	$1.28B	11.37	12.35%	2.37%	5.21%	24.51%
BY	78 Outperform	$1.41B	10.94	10.78%	1.30%	1.31%	2.02%
DCOM	76 Outperform	$1.39B	27.71	4.23%	3.14%	-1.79%	-23.87%
QCRH	75 Outperform	$1.47B	12.16	11.80%	0.28%	-2.42%	3.83%
BFC	74 Outperform	$1.33B	19.10	11.18%	3.91%	14.13%	-12.75%
CNOB	71 Outperform	$1.39B	22.42	4.40%	2.60%	15.55%	-28.10%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Republic Bancorp Corporate Events

Republic Bancorp Announces Fourth Quarter Cash Dividend

On November 19, 2025, Republic Bancorp, Inc. announced a cash dividend for its fourth quarter of 2025, with Class A Common Stock receiving $0.451 per share and Class B Common Stock receiving $0.41 per share. The dividends are payable on January 16, 2026, to shareholders recorded by December 19, 2025. This announcement reflects the company’s ongoing commitment to providing shareholder value and may impact investor perceptions positively.