Republic Bancorp (RBCAA)
NASDAQ:RBCAA
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Republic Bancorp
(NASDAQ:RBCAA)
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Rating:69Neutral
Price Target:
$75.00
â–²(1.58% Upside)
Action:DowngradedDate:03/07/26
The score is driven primarily by solid financial performance (strong growth and returns, with some cyclicality and cash-flow inconsistency) and supportive valuation (low P/E with a dividend). The main drag is weak technical momentum (below key moving averages with negative MACD), partially offset by positive recent corporate actions (dividend raise and a value-accretive divestiture).
Positive Factors
Revenue & EPS growth
Republic Bancorp exhibits multi-year revenue and EPS expansion that culminated in materially higher 2025 results. Durable top- and bottom-line growth supports continued scale benefits, underwriting capacity and reinvestment potential, reducing execution risk over the next several quarters.
Negative Factors
Margin variability
Net interest margin and operating profitability have shown meaningful variability across cycles, reducing earnings predictability. Persistent sensitivity to rate and credit cycles can compress margins if funding costs rise or loan yields reset, increasing volatility in core bank earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & EPS growth
Republic Bancorp exhibits multi-year revenue and EPS expansion that culminated in materially higher 2025 results. Durable top- and bottom-line growth supports continued scale benefits, underwriting capacity and reinvestment potential, reducing execution risk over the next several quarters.
Read all positive factors
Republic Bancorp (RBCAA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.28B
Dividend Yield2.57%
Average Volume (3M)25.79K
Price to Earnings (P/E)10.4
Beta (1Y)0.76
Revenue Growth5.21%
EPS Growth24.51%
CountryUS
Employees981
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.17
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 Cap1.32
Enterprise Value/Revenue3.26
Enterprise Value/Gross Profit4.41
Enterprise Value/Ebitda9.52
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.06
Revenue Forecast (FY)$403.00M
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 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 interes...
Republic Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
68
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 521.34M | 499.79M | 421.56M | 316.22M | 310.02M |
| Gross Profit | 385.90M | 324.58M | 306.65M | 286.38M | 289.55M |
| EBITDA | 165.71M | 142.33M | 128.22M | 134.90M | 129.75M |
| Net Income | 131.32M | 101.37M | 90.37M | 91.11M | 87.61M |
Balance Sheet | |||||
| Total Assets | 7.04B | 6.85B | 6.59B | 5.83B | 6.09B |
| Cash, Cash Equivalents and Short-Term Investments | 219.97M | 775.08M | 907.88M | 934.05M | 1.25B |
| Total Debt | 626.87M | 535.44M | 513.16M | 349.76M | 355.64M |
| Total Liabilities | 5.94B | 5.85B | 5.68B | 4.98B | 5.26B |
| Stockholders Equity | 1.10B | 992.03M | 912.76M | 856.61M | 834.23M |
Cash Flow | |||||
| Free Cash Flow | 161.11M | 143.19M | 101.64M | 151.29M | 94.47M |
| Operating Cash Flow | 168.21M | 149.00M | 108.53M | 154.79M | 100.25M |
| Investing Cash Flow | -436.12M | -181.03M | -516.95M | -254.51M | 306.55M |
| Financing Cash Flow | 55.73M | 147.61M | 411.30M | -343.56M | -135.42M |
Republic Bancorp Technical Analysis
Positive
73.83
Price Trends
70.26
Positive
69.79
Positive
70.39
Positive
Market Momentum
0.71
Negative
66.50
Neutral
89.22
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 69.44, above the 50-day MA of 70.26, and above the 200-day MA of 70.39, indicating a bullish trend. The MACD of 0.71 indicates Negative momentum. The RSI at 66.50 is Neutral, neither overbought nor oversold. The STOCH value of 89.22 is Negative, 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $1.57B | 10.17 | 4.23% | 3.14% | -1.79% | -23.87% | |
69 Neutral | $1.28B | 10.37 | 12.27% | 2.57% | 5.21% | 24.51% | |
69 Neutral | $1.51B | 10.05 | 10.77% | 1.34% | 1.31% | 2.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $1.51B | 10.97 | 11.80% | 0.28% | -2.42% | 3.83% | |
65 Neutral | $1.58B | 16.76 | 11.29% | 3.99% | 14.13% | -12.75% | |
64 Neutral | $1.43B | 8.36 | 5.49% | 2.68% | 15.55% | -28.10% |
* Financial Sector Average
RBCAA
Republic Bancorp
73.04
11.71
19.10%
DCOM
Dime Community Bancshares
35.72
10.99
44.45%
QCRH
QCR Holdings
90.28
23.16
34.50%
CNOB
ConnectOne Bancorp
28.39
6.41
29.18%
BY
Byline Bancorp
33.09
8.72
35.79%
BFC
Bank First National
141.10
44.01
45.33%
Republic Bancorp Corporate Events
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...
Dividends
Republic Bancorp boosts quarterly dividend, extends growth streak
Positive
Jan 21, 2026
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 schedule...
Business Operations and StrategyM&A Transactions
Republic Bancorp to Divest Republic Bank Finance Division
Positive
Dec 22, 2025
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 finan...
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.