Republic Bancorp (RBCAA) AI Stock Analysis

• Market Cap: $1.26B
• Dividend Yield: 2.57%
• Average Volume (3M): 25.79K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.73
• Revenue Growth: 5.21%
• EPS Growth: 24.51%
• Country: US
• Employees: 981
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.17
• 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: 1.00
• Enterprise Value/Revenue: 2.46
• Enterprise Value/Gross Profit: 3.39
• Enterprise Value/Ebitda: 7.16
• 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: 75 Outperform
• Price Target: $80.00 ▲(8.36% Upside)

The score is driven primarily by strong financial performance (robust revenue growth, strong margins, and low leverage), partially offset by declining free cash flow growth. Reasonable valuation (low P/E with a solid dividend yield) and positive corporate actions (dividend increase and divestiture) add support, while technical signals are only moderately positive.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust business expansion and effective market penetration, supporting long-term financial health.

Low Leverage

Conservative leverage with a low debt-to-equity ratio enhances financial stability and flexibility, reducing risk in volatile markets.

Strategic Divestiture

The divestiture of a non-core division allows focus on core banking services, potentially improving capital allocation and strategic positioning.

Negative Factors

Decline in Free Cash Flow

A decline in free cash flow growth may signal challenges in cash generation, potentially impacting future investment and dividend capacity.

Gross Margin Pressure

Pressure on gross margins could indicate rising costs or pricing power challenges, affecting long-term profitability if trends persist.

Equity Growth Concerns

Slower equity growth could limit future leverage capacity and impact the ability to finance expansion or absorb economic shocks.

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

Strong income statement performance (revenue up 26.3% TTM; net margin 24.7%) and a conservative balance sheet (debt-to-equity 0.069) support the score. It is tempered by weaker cash-flow momentum, with free cash flow down 11.2% TTM despite solid cash conversion (operating cash flow to net income 2.37).

Income Statement

Republic Bancorp has demonstrated strong revenue growth with a TTM increase of 26.3%, indicating robust business expansion. The company maintains healthy profitability with a gross profit margin of 71.3% and a net profit margin of 24.7% in the TTM, showcasing efficient cost management. EBIT and EBITDA margins are also solid at 31.2% and 34.1%, respectively, reflecting strong operational performance. However, the slight decline in gross profit margin from previous periods suggests potential cost pressures.

Balance Sheet

The balance sheet of Republic Bancorp is stable with a low debt-to-equity ratio of 0.069 in the TTM, indicating conservative leverage. The return on equity is reasonable at 9.4%, reflecting decent profitability relative to shareholder equity. The equity ratio stands at 15.5%, suggesting a solid capital structure. However, the decline in stockholders' equity growth could be a concern for future leverage capacity.

Cash Flow

Cash flow analysis reveals a decrease in free cash flow growth by 11.2% in the TTM, which may indicate challenges in cash generation. The operating cash flow to net income ratio is strong at 2.37, suggesting efficient cash conversion from earnings. The free cash flow to net income ratio remains high at 95.8%, indicating effective cash management. Despite these strengths, the negative growth in free cash flow warrants attention.

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: 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 73.83 is above the 20-day moving average (MA) of 70.90, above the 50-day MA of 70.26, and above the 200-day MA of 70.30, indicating a bullish trend. The MACD of 0.49 indicates Positive momentum. The RSI at 55.70 is Neutral, neither overbought nor oversold. The STOCH value of 25.53 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
BY	81 Outperform	$1.46B	11.05	10.78%	1.34%	1.31%	2.02%
QCRH	79 Outperform	$1.52B	12.05	11.80%	0.28%	-2.42%	3.83%
RBCAA	75 Outperform	$1.26B	10.92	12.35%	2.57%	5.21%	24.51%
DCOM	74 Outperform	$1.49B	14.42	4.23%	3.14%	-1.79%	-23.87%
CNOB	72 Outperform	$1.34B	16.33	5.71%	2.68%	15.55%	-28.10%
BFC	72 Outperform	$1.57B	19.31	11.18%	3.99%	14.13%	-12.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Republic Bancorp Corporate Events

Republic Bancorp boosts quarterly dividend, extends growth streak

On January 21, 2026, Republic Bancorp, Inc. announced a 10% increase in its quarterly cash dividend, marking the 28th consecutive year of higher common stock dividends, with payments of $0.495 per Class A share and $0.45 per Class B share scheduled for April 17, 2026 to shareholders of record on March 20, 2026. The new dividend level implies an annualized dividend yield of 2.77% for Class A shares based on the January 20, 2026 closing price, underscoring the bank’s long-standing commitment to returning capital to shareholders and signaling continued confidence in its financial performance and stability within its regional banking markets.

The most recent analyst rating on (RBCAA) stock is a Buy with a $79.00 price target. To see the full list of analyst forecasts on Republic Bancorp stock, see the RBCAA Stock Forecast page.

Republic Bancorp to Divest Republic Bank Finance Division

On December 19, 2025, Republic Bancorp’s Republic Bank & Trust Company agreed to sell substantially all assets and certain liabilities of its Republic Bank Finance division to CAN Capital Merchant Services, an alternative small business finance firm based in Marietta, Georgia. The deal covers about $80 million of loans and leases and roughly $3 million in related liabilities, with CAN also taking over all ongoing RBF operations; the purchase price will equal the net book value of RBF’s assets and liabilities at closing plus a fixed premium, and Republic expects to recognize an approximate $6 million gain when the transaction closes in the first quarter of 2026, subject to standard conditions and CAN obtaining financing, signaling a strategic exit from this niche leasing and small-ticket finance unit while potentially strengthening its capital position.

The most recent analyst rating on (RBCAA) stock is a Buy with a $84.00 price target. To see the full list of analyst forecasts on Republic Bancorp stock, see the RBCAA Stock Forecast page.

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.

The most recent analyst rating on (RBCAA) stock is a Buy with a $80.00 price target. To see the full list of analyst forecasts on Republic Bancorp stock, see the RBCAA Stock Forecast page.