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Republic Bancorp
(NASDAQ:RBCAA)
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Rating:77Outperform
Price Target:
$113.00
â–²(20.69% Upside)
Action:Reiterated
Date:05/21/26
Overall score is driven primarily by solid financial quality (strong margins, steady ROE, improved leverage) and attractive valuation (low P/E with a dividend). Technicals are supportive with price above major moving averages and positive MACD, while the main constraint is softer TTM revenue and less consistent cash-flow performance.
Positive Factors
Profitability & ROE
Sustained high margins and a steady ROE indicate durable earnings power for a regional bank. This level of profitability supports internal capital formation, funds lending growth and dividend payments, and provides a margin buffer through typical mid‑cycle interest and credit variability.
Negative Factors
Top-line Pressure
A decline in trailing‑twelve‑month revenue signals that growth momentum has cooled versus the prior upcycle. Sustained top-line weakness can limit the bank’s ability to expand net interest income and fee revenue, constraining medium‑term EPS and reinvestment capacity.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & ROE
Sustained high margins and a steady ROE indicate durable earnings power for a regional bank. This level of profitability supports internal capital formation, funds lending growth and dividend payments, and provides a margin buffer through typical mid‑cycle interest and credit variability.
Read all positive factors
Republic Bancorp (RBCAA) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.74B
Dividend Yield1.9%
Average Volume (3M)121.86K
Price to Earnings (P/E)15.3
Beta (1Y)0.79
Revenue Growth-2.70%
EPS Growth2.61%
CountryUS
Employees973
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.36
Shares Outstanding17,480,988
10 Day Avg. Volume103,970
30 Day Avg. Volume121,865
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.65
Revenue Forecast (FY)$406.80M
Republic Bancorp Business Overview & Revenue Model
Company Description
Republic Bancorp, Inc., a financial holding company established in Louisville, Kentucky in 1974, provides a comprehensive suite of banking products and services throughout the United States. Its operations are strategically divided into five segme...
How the Company Makes Money
Republic Bancorp makes money primarily through (1) net interest income and (2) noninterest income. Net interest income is earned by funding interest-earning assets—such as commercial loans, consumer loans, and real estate loans—with lower-cost lia...
Republic Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 498.07M | 521.34M | 499.79M | 421.56M | 316.22M | 310.02M |
| Gross Profit | 376.18M | 385.90M | 324.58M | 306.65M | 286.38M | 289.55M |
| EBITDA | 174.44M | 180.39M | 142.33M | 128.22M | 134.90M | 129.75M |
| Net Income | 128.00M | 131.32M | 101.37M | 90.37M | 91.11M | 87.61M |
Balance Sheet | ||||||
| Total Assets | 7.06B | 7.04B | 6.85B | 6.59B | 5.83B | 6.09B |
| Cash, Cash Equivalents and Short-Term Investments | 354.09M | 219.97M | 775.08M | 907.88M | 934.05M | 1.25B |
| Total Debt | 255.69M | 626.87M | 535.44M | 513.16M | 349.76M | 355.64M |
| Total Liabilities | 5.91B | 5.94B | 5.85B | 5.68B | 4.98B | 5.26B |
| Stockholders Equity | 1.16B | 1.10B | 992.03M | 912.76M | 856.61M | 834.23M |
Cash Flow | ||||||
| Free Cash Flow | 132.47M | 161.11M | 143.19M | 101.64M | 151.29M | 94.47M |
| Operating Cash Flow | 139.58M | 168.21M | 149.00M | 108.53M | 154.79M | 100.25M |
| Investing Cash Flow | -196.80M | -436.12M | -181.03M | -516.95M | -254.51M | 306.55M |
| Financing Cash Flow | 171.52M | 55.73M | 147.61M | 411.30M | -343.56M | -135.42M |
Republic Bancorp Technical Analysis
Positive
93.63
Price Trends
89.38
Positive
81.39
Positive
75.10
Positive
Market Momentum
3.40
Negative
69.10
Neutral
80.44
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 93.63 is below the 20-day moving average (MA) of 94.51, above the 50-day MA of 89.38, and above the 200-day MA of 75.10, indicating a bullish trend. The MACD of 3.40 indicates Negative momentum. The RSI at 69.10 is Neutral, neither overbought nor oversold. The STOCH value of 80.44 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.78B | 11.79 | 11.75% | 1.14% | 2.88% | 23.43% | |
77 Outperform | $1.74B | 15.31 | 11.44% | 2.02% | -2.70% | 2.61% | |
77 Outperform | $1.66B | 9.75 | 10.11% | 2.27% | 44.64% | 252.85% | |
73 Outperform | $1.80B | 14.66 | 8.67% | 2.53% | 14.80% | 226.31% | |
73 Outperform | $1.71B | 19.86 | 11.14% | 1.29% | 23.23% | 11.01% | |
72 Outperform | $1.70B | 12.11 | 12.70% | 0.28% | 6.17% | 27.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
RBCAA
Republic Bancorp
99.62
33.50
50.66%
DCOM
Dime Community Bancshares
41.09
14.69
55.64%
QCRH
QCR Holdings
104.34
34.69
49.81%
CNOB
ConnectOne Bancorp
33.09
11.03
49.99%
BY
Byline Bancorp
39.31
14.19
56.50%
BFC
Bank First National
154.95
41.08
36.07%
Republic Bancorp Corporate Events
Business Operations and StrategyExecutive/Board Changes
Republic Bancorp Appoints Interim President for Processing Group
Neutral
Jul 20, 2026
On July 16, 2026, Republic Bancorp disclosed that William R. Nelson decided to resign as President of its Republic Processing Group to take an executive leadership role with a tax-sector customer, and he is expected to remain with the company thro...
Dividends
Republic Bancorp Announces Second-Quarter Cash Dividend Declaration
Positive
May 20, 2026
On May 20, 2026, Republic Bancorp, Inc. declared a second-quarter cash dividend of $0.495 per share for its Class A Common Stock and $0.45 per share for its Class B Common Stock. The dividend will be paid on July 17, 2026, to shareholders of recor...
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.