Republic Bancorp (RBCAA) AI Stock Analysis

• Market Cap: $1.26B
• Dividend Yield: 2.36%
• Average Volume (3M): 80.52K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 0.83
• Revenue Growth: 9.00%
• EPS Growth: 27.47%
• Country: US
• Employees: 981
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 1.61
• Shares Outstanding: 17,374,735
• 10 Day Avg. Volume: 48,116
• 30 Day Avg. Volume: 80,523
• PEG Ratio: 2.46
• Price to Book (P/B): 1.38
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.77
• Enterprise Value/Market Cap: 0.69
• Enterprise Value/Revenue: 0.44
• Enterprise Value/Gross Profit: 2.48
• Enterprise Value/Ebitda: 1.47
• 1Y Price Target: $78.00
• Price Target Upside: 7.38% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: $78.00 ▲(7.38%Upside)

Republic Bancorp's overall stock score is bolstered by strong financial performance and supportive corporate events. While the technical analysis indicates stability, the valuation suggests the stock is fairly priced. The absence of earnings call data did not impact the score due to weight redistribution.

Republic Bancorp Business Overview & Revenue Model

Company Description

Republic Bancorp, Inc. (RBCAA) is a financial holding company headquartered in Louisville, Kentucky. It operates primarily through its subsidiary, Republic Bank & Trust Company, providing a wide range of banking and financial services. The company offers personal and business banking products, including checking and savings accounts, loans, credit cards, and wealth management services. It serves customers through a network of banking centers across multiple states.

How the Company Makes Money

Republic Bancorp, Inc. generates revenue through various banking and financial service activities. The primary revenue streams include interest income from loans, mortgages, and other lending products, as well as service charges and fees from deposit accounts and financial transaction services. Additionally, the company earns income from its wealth management services, which include investment advisory and brokerage services. The bank also benefits from net interest margin, which is the difference between interest earned on assets and interest paid on liabilities. Strategic partnerships and local market presence further contribute to its earnings by expanding its customer base and enhancing service offerings.

Republic Bancorp Financial Statement Overview

Summary

Republic Bancorp shows strong financial performance with robust revenue and profit growth, a solid balance sheet with moderate leverage, and efficient cash flow management. The company's financial health and growth potential are well-aligned with its industry standing.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	499.79M	421.56M	316.22M	310.02M	335.01M
Gross Profit	324.58M	306.65M	286.38M	289.55M	283.79M
EBITDA	142.33M	128.22M	134.90M	129.75M	116.11M
Net Income	101.37M	90.37M	91.11M	87.61M	83.25M
Balance Sheet
Total Assets	6.85B	6.59B	5.83B	6.09B	6.17B
Cash, Cash Equivalents and Short-Term Investments	775.08M	907.88M	934.05M	1.25B	1.01B
Total Debt	535.44M	513.16M	349.76M	355.64M	531.61M
Total Liabilities	5.85B	5.68B	4.98B	5.26B	5.35B
Stockholders Equity	992.03M	912.76M	856.61M	834.23M	823.32M
Cash Flow
Free Cash Flow	143.19M	101.64M	151.29M	93.65M	71.85M
Operating Cash Flow	149.00M	108.53M	154.79M	100.25M	75.43M
Investing Cash Flow	-181.03M	-516.95M	-254.51M	306.55M	-422.02M
Financing Cash Flow	147.61M	411.30M	-343.56M	-135.42M	446.87M

Republic Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 72.64
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 72.64 is below the 20-day moving average (MA) of 74.70, above the 50-day MA of 71.89, and above the 200-day MA of 68.59, indicating a neutral trend. The MACD of 0.77 indicates Positive momentum. The RSI at 46.87 is Neutral, neither overbought nor oversold. The STOCH value of 18.97 is Positive, 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	$1.30B	10.23	17.20%	3.05%	-2.96%	-7.14%
BY	77 Outperform	$1.13B	10.29	11.08%	1.41%	7.63%	-1.13%
RBCAA	76 Outperform	$1.26B	11.77	12.34%	2.36%	9.00%	27.47%
BHLB	76 Outperform	$1.21B	10.65	24.57%	3.43%	17.96%	399.48%
LOB	76 Outperform	$1.48B	26.51	5.54%	0.37%	10.13%	-50.08%
Sector *	68 Neutral	$17.10B	11.62	9.70%	3.86%	11.32%	-7.37%
DCOM	67 Neutral	$1.24B	33.64	3.28%	3.53%	-2.81%	-64.24%

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.

Republic Bancorp Reports Strong Earnings Growth at Annual Meeting

Republic Bancorp, Inc. held its Annual Meeting of Shareholders on April 24, 2025, where it presented its strategic priorities and financial results. The company reported a 13% increase in diluted earnings per share for 2024, driven by a 6.9% growth in net revenue and a modest 1.7% rise in noninterest expenses, resulting in a positive operating leverage. The meeting also highlighted the company’s strong growth in deposits and a favorable decrease in the loan-to-deposit ratio. The Core Bank segment saw a 22% growth in net income, while the Republic Processing Group experienced a slight decline in net income due to higher loss rates on early season refund advances.