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Republic Bancorp (RBCAA)
NASDAQ:RBCAA
US Market
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Republic Bancorp (RBCAA) AI Stock Analysis

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RBCAA

Republic Bancorp

(NASDAQ:RBCAA)

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Outperform 74 (OpenAI - 4o)
Rating:74Outperform
Price Target:
$77.00
â–²(4.89% 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 (RBCAA) vs. SPDR S&P 500 ETF (SPY)

Republic Bancorp Business Overview & Revenue Model

Company DescriptionRepublic Bancorp, Inc. (RBCAA) is a financial holding company based in the United States, primarily engaged in providing a wide range of banking and financial services through its wholly-owned subsidiary, Republic Bank & Trust Company. The company operates in the banking sector, focusing on retail banking, commercial banking, and mortgage lending. Through its extensive branch network and digital banking platforms, Republic Bancorp offers various products, including personal and business checking accounts, savings accounts, loans, mortgages, and investment services.
How the Company Makes MoneyRepublic 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
86
Very Positive
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
78
Positive
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
82
Very Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue508.44M499.79M421.56M316.22M310.02M335.01M
Gross Profit352.75M324.58M306.65M286.38M289.55M283.79M
EBITDA163.62M142.33M128.22M134.90M129.75M116.11M
Net Income118.03M101.37M90.37M91.11M87.61M83.25M
Balance Sheet
Total Assets7.08B6.85B6.59B5.83B6.09B6.17B
Cash, Cash Equivalents and Short-Term Investments1.17B775.08M907.88M934.05M1.25B1.01B
Total Debt496.55M535.44M513.16M349.76M355.64M531.61M
Total Liabilities6.04B5.85B5.68B4.98B5.26B5.35B
Stockholders Equity1.03B992.03M912.76M856.61M834.23M823.32M
Cash Flow
Free Cash Flow165.62M143.19M101.64M151.29M93.65M71.85M
Operating Cash Flow170.96M149.00M108.53M154.79M100.25M75.43M
Investing Cash Flow14.93M-181.03M-516.95M-254.51M306.55M-422.02M
Financing Cash Flow60.76M147.61M411.30M-343.56M-135.42M446.87M

Republic Bancorp Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price73.41
Price Trends
50DMA
73.21
Positive
100DMA
72.12
Positive
200DMA
68.98
Positive
Market Momentum
MACD
0.13
Positive
RSI
44.70
Neutral
STOCH
10.08
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RBCAA, the sentiment is Neutral. The current price of 73.41 is below the 20-day moving average (MA) of 75.47, above the 50-day MA of 73.21, and above the 200-day MA of 68.98, indicating a neutral trend. The MACD of 0.13 indicates Positive momentum. The RSI at 44.70 is Neutral, neither overbought nor oversold. The STOCH value of 10.08 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for RBCAA.

Republic Bancorp Risk Analysis

Republic Bancorp disclosed 49 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
1.23B9.6417.12%3.22%-2.96%-6.62%
77
Outperform
2.06B9.545.23%0.74%15.55%401.99%
74
Outperform
$1.28B11.7312.34%2.37%8.97%27.79%
73
Outperform
1.64B29.305.28%0.33%10.13%-50.08%
73
Outperform
1.33B35.972.08%3.31%-3.08%-45.24%
66
Neutral
1.30B10.579.98%1.37%2.23%-1.13%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
RBCAA
Republic Bancorp
73.41
10.85
17.34%
DCOM
Dime Community Bancshares
30.18
3.14
11.61%
QCRH
QCR Holdings
77.91
5.26
7.24%
CNOB
ConnectOne Bancorp
25.14
1.50
6.35%
BY
Byline Bancorp
28.38
2.59
10.04%
BFC
Bank First National
124.12
39.45
46.59%

Republic Bancorp Corporate Events

Dividends
Republic Bancorp Declares Q3 2025 Cash Dividend
Positive
Jul 16, 2025

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.

Dividends
Republic Bancorp Declares Second Quarter Cash Dividend
Neutral
May 21, 2025

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.

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.Date of analysis: Aug 13, 2025