RBCAA Stock Analysis: Republic Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.863m USD | 12M Return: 29.2% | US7602812049 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.77M
EPS Trend: 93.4%
Qual. Beats: 0
Rev. Trend: 83.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Republic Bancorp, Inc. (RBCAA) is a small-cap bank holding company headquartered in Louisville, Kentucky, that operates through its principal subsidiary, Republic Bank & Trust Company. Founded in 1974 and publicly traded since 1998, the company conducts business across five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. Its core Traditional Banking segment offers a full suite of retail and commercial loans-including mortgage, commercial and industrial, CRE, construction, consumer, and aircraft loans-alongside deposit products, debit/credit card interchange, treasury services, and digital banking channels.
Beyond traditional community banking, Republic operates several niche, fee-generating businesses that distinguish it from peers. Through its Warehouse Lending segment, it provides short-term revolving credit facilities to mortgage bankers nationwide, capitalizing on interim funding activity in the residential mortgage market. The Tax Refund Solutions segment facilitates the electronic receipt and disbursement of federal and state tax refunds through partnerships with tax preparers and software providers-an offering tied to the seasonal tax cycle. Additional revenue comes from prepaid card issuance, demand deposit accounts, and consumer credit products offered through its payment solutions and credit solutions segments.
The companys physical footprint is concentrated in five states-Kentucky, Indiana, Florida, Ohio, and Tennessee-reflecting the typical geographic focus of regional banks serving local and small-to-mid-sized business markets. As a regional bank within the Financials sector, Republic combines traditional spread-based lending with specialized fee businesses, giving it a more diversified revenue mix than many community banking peers.
- Net interest margin compresses as Fed cuts rates
- Tax Refund Solutions drives seasonal Q1 earnings beat
- Warehouse Lending volume declines on higher mortgage rates
| Net Income: 128.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.55 > 1.0 |
| NWC/Revenue: 54.95% < 20% (prev -842.3%; Δ 897.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 140.7m > Net Income 128.0m |
| Net Debt (-68.3m) to EBITDA (174.4m): -0.39 < 3 |
| Current Ratio: 3.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.8m) vs 12m ago 0.18% < -2% |
| Gross Margin: 75.85% > 18% (prev 70.87%; Δ 4.98% > 0.5%) |
| Asset Turnover: 7.19% > 50% (prev 7.35%; Δ -0.15% > 0%) |
| Interest Coverage Ratio: 1.76 > 6 (EBIT TTM 167.2m / Interest Expense TTM 94.9m) |
| A: 0.04 (Total Current Assets 375.9m - Total Current Liabilities 98.6m) / Total Assets 7.06b |
| B: 0.14 (Retained Earnings 999.0m / Total Assets 7.06b) |
| C: 0.02 (EBIT TTM 167.2m / Avg Total Assets 7.02b) |
| D: 0.20 (Book Value of Equity 1.16b / Total Liabilities 5.91b) |
| Altman-Z'' = 1.08 = BB |
| DSRI: 0.23 (Receivables 21.9m/95.6m, Revenue 504.7m/512.2m) |
| GMI: 0.93 (GM 70.87% / 75.85%) |
| AQI: 1.12 (AQ_t 0.94 / AQ_t-1 0.84) |
| SGI: 0.99 (Revenue 504.7m / 512.2m) |
| TATA: -0.00 (NI 128.0m - CFO 140.7m) / TA 7.06b) |
| Beneish M = -3.66 (Cap -4..+1) = AAA |
As of September 03, 2026, the stock is trading at USD 96.35 with a total of 145,377 shares traded. Over the past week, the price has changed by +2.19%, over one month by -3.19%, over three months by +17.67% and over the past year by +29.17%.
Current recommended Stop Loss: 92.00 (which is 4.5% or 2 ATR below the current price).
Republic Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold RBCAA.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 98 | 1.7% |
P/E Trailing = 14.357
P/E Forward = 14.1643
P/S = 4.872
P/B = 1.5944
P/EG = 1.2712
Revenue TTM = 504.7m USD
EBIT TTM = 167.2m USD
EBITDA TTM = 174.4m USD
Long Term Debt = 157.0m USD (from longTermDebt, last quarter)
Short Term Debt = 98.6m USD (from shortTermDebt, last quarter)
Debt = 285.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 30.1m
Net Debt = -68.3m USD (calculated: Debt 285.8m - CCE 354.1m)
Enterprise Value = 1.79b USD (1.86b + Debt 285.8m - CCE 354.1m)
Interest Coverage Ratio = 1.76 (Ebit TTM 167.2m / Interest Expense TTM 94.9m)
EV/FCF = 13.56x (Enterprise Value 1.79b / FCF TTM 132.3m)
FCF Yield = 7.37% (FCF TTM 132.3m / Enterprise Value 1.79b)
FCF Margin = 26.22% (FCF TTM 132.3m / Revenue TTM 504.7m)
Net Margin = 25.36% (Net Income TTM 128.0m / Revenue TTM 504.7m)
Gross Margin = 75.85% ((Revenue TTM 504.7m - Cost of Revenue TTM 121.9m) / Revenue TTM)
Gross Margin QoQ = 79.82% (prev 76.20%)
Tobins Q-Ratio = 0.25 (Enterprise Value 1.79b / Total Assets 7.06b)
Interest Expense / Debt = 33.19% (Interest Expense 94.9m / Debt 285.8m)
Taxrate = 21.61% (35.3m / 163.3m)
NOPAT = 131.0m (EBIT 167.2m * (1 - 21.61%))
Current Ratio = 3.81 (Total Current Assets 375.9m / Total Current Liabilities 98.6m)
Debt / Equity = 0.25 (Debt 285.8m / totalStockholderEquity, last quarter 1.16b)
Debt / EBITDA = -0.39 (Net Debt -68.3m / EBITDA 174.4m)
Debt / FCF = -0.52 (Net Debt -68.3m / FCF TTM 132.3m)
Total Stockholder Equity = 1.12b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.82% (Net Income 128.0m / Total Assets 7.06b)
RoE = 11.44% (Net Income TTM 128.0m / Total Stockholder Equity 1.12b)
RoCE = 13.10% (EBIT 167.2m / Capital Employed (Equity 1.12b + L.T.Debt 157.0m))
RoIC = 1.86% (NOPAT 131.0m / Invested Capital 7.04b)
WACC = 9.66% (E(1.86b)/V(2.15b) * Re(7.15%) + D(285.8m)/V(2.15b) * Rd(33.19%) * (1-Tc(0.22)))
Discount Rate = 7.15% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 82.02 | Cagr: 0.75%
[DCF] Terminal Value 68.36% ; FCFF base≈147.0m ; Y1≈129.0m ; Y5≈104.2m
[DCF] Fair Price = 82.55 (EV 1.38b - Net Debt -68.3m = Equity 1.44b / Shares 17.5m; r=9.66% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 93.42 | EPS CAGR: 15.29% | SUE: 0.53 | # QB: 0
Revenue Correlation: 83.01 | Revenue CAGR: 8.09% | SUE: 0.83 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.63 | Chg30d=+4.49% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=6.97 | Chg30d=+4.81% | Revisions=+25% | GrowthEPS=+5.0% | GrowthRev=-0.0%
EPS next Year (2027-12-31): EPS=6.90 | Chg30d=+4.23% | Revisions=+25% | GrowthEPS=-1.0% | GrowthRev=+3.9%