RBCAA Stock Analysis: Republic Bancorp | NASDAQ

Mortgage Lending, Tax Refunds, Prepaid Cards, Consumer Credit

Total Rating 49

Safety 35

Buy Signal -0.16

Regional Banks
Sub-Industry Rotation: +0.8

Market Cap: 1.78B
Avg Turnover: 8.67M

Risk 3d forecast

Volatility28.4%

VaR 5^th Pctl4.63%

VaR vs Median-1.05%

Reward TTM

Sharpe Ratio1.34

Rel. Str. IBD76.4

Rel. Str. Peer Group73.3 pctl

Character TTM

Beta0.281

Beta Downside0.076

Hurst Exponent0.472

Choppyness-%

Drawdowns 3y

Max DD21.56%

CAGR/Max DD1.28

CAGR/Mean DD3.71

EPS (Earnings per Share)

EPS CAGR: 14.14%
EPS Trend: 91.1%

Last SUE: -0.29
Qual. Beats: 0

Revenue

Rev. CAGR: 5.50%
Rev. Trend: 78.2%

Last SUE: 0.66
Qual. Beats: 0

Warnings

Below Avwap Earnings

Tailwinds

No distinct edge detected

Seasonality 11.9 years of data, until 10/2026

Jan -2.9% 21

Feb -2.3% 4

Mar +0.5% 4

Apr +2.9% 4

May +0.8% 4

Jun +3.2% 47

Jul +1.4% 0

Aug -1.8% 14

Sep -2.5% 14

Oct +0.2% 4

Nov +4.1% 21

Dec -1.5% 9

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.

Description: RBCAA Republic Bancorp

Republic Bancorp, Inc. (NASDAQ: RBCAA) is a Louisville, Kentucky-based bank holding company for Republic Bank & Trust Company, incorporated in 1974 and operating as a small-cap regional bank with a market capitalization of approximately $1.83 billion. The company runs five business segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions, reflecting a diversified mix of community banking and specialty financial services.

Its Traditional Banking segment offers a full suite of lending products including retail mortgage, commercial and industrial, CRE and multi-family, construction and land development, consumer, and aircraft loans, supported by deposit services, mortgage banking income, card interchange fees, title insurance commissions, and swap fee income. The company also provides private banking, treasury management tools (lockbox, remote deposit capture, account reconciliation, ACH processing), and digital channels via internet and mobile banking, delivered through full-service branches across Kentucky, Indiana, Florida, Ohio, and Tennessee.

Beyond traditional banking, Republic operates several niche businesses: Warehouse Lending provides short-term revolving credit facilities to mortgage bankers nationwide, a common funding model for mortgage originators awaiting loan sale or securitization. Tax Refund Solutions facilitates the receipt and payment of federal and state tax refunds through relationships with third-party tax preparers and tax-preparation software providers, serving a market that is highly seasonal and tied to annual tax cycles. Republic Payment Solutions offers prepaid and debit card products, including payroll cards, general-purpose reloadable cards, and associated demand deposit and savings accounts, competing in the broader fintech-enabled payments space, while Republic Credit Solutions provides consumer credit products.

Headlines to Watch Out For

Tax Refund Solutions segment drives seasonal earnings volatility
Net interest margin compresses as Fed cuts rates
Warehouse Lending growth tied to mortgage origination volumes

Piotroski VR-10 (Strict) 4.0

Net Income: 129.3m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.13 > 1.0
NWC/Revenue: -840.4% < 20% (prev -827.2%; Δ -13.13% < -1%)
CFO/TA 0.02 > 3% & CFO 149.0m > Net Income 129.3m
Net Debt (-678.6m) to EBITDA (186.4m): -3.64 < 3
Current Ratio: 0.24 > 1.5 & < 3
Outstanding Shares: last quarter (19.9m) vs 12m ago 0.49% < -2%
Gross Margin: 75.39% > 18% (prev 72.42%; Δ 2.96% > 0.5%)
Asset Turnover: 7.27% > 50% (prev 7.32%; Δ -0.05% > 0%)
Interest Coverage Ratio: 1.90 > 6 (EBIT TTM 171.7m / Interest Expense TTM 90.6m)

Altman Z'' -3.18

A: -0.61 (Total Current Assets 1.35b - Total Current Liabilities 5.66b) / Total Assets 7.08b
B: 0.13 (Retained Earnings 945.4m / Total Assets 7.08b)
C: 0.02 (EBIT TTM 171.7m / Avg Total Assets 7.05b)
D: 0.20 (Book Value of Equity 1.16b / Total Liabilities 5.92b)
Altman-Z'' = -3.18 = D

Beneish M -2.22

DSRI: 2.04 (Receivables 195.0m/95.6m, Revenue 512.5m/513.5m)
GMI: 0.96 (GM 72.42% / 75.39%)
AQI: 0.97 (AQ_t 0.80 / AQ_t-1 0.82)
SGI: 1.00 (Revenue 512.5m / 513.5m)
TATA: -0.00 (NI 129.3m - CFO 149.0m) / TA 7.08b)
Beneish M = -2.22 (Cap -4..+1) = BB

What is the price of RBCAA shares?

As of November 12, 2026, the stock is trading at USD 91.12 with a total of 52,957 shares traded. Over the past week, the price has changed by -1.79%, over one month by -1.10%, over three months by -7.54% and over the past year by +39.60%.

Current recommended Stop Loss: 87.30 (which is 4.2% or 1.7 ATR below the current price).

Is RBCAA a buy, sell or hold?

Republic Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold RBCAA.

StrongBuy: 0
Buy: 0
Hold: 2
Sell: 0
StrongSell: 0

What are the forecasts/targets for the RBCAA price?

Analysts Target Price	95	4.3%

Republic Bancorp (RBCAA) - Fundamental Data Overview as of 10 November 2026

Market Cap USD = 1.78b (1.78b USD * 1.0 USD.USD)
P/E Trailing = 13.7534
P/E Forward = 14.1643
P/S = 4.6411
P/B = 1.5353
P/EG = 1.2712
Revenue TTM = 512.5m USD
EBIT TTM = 171.7m USD
EBITDA TTM = 186.4m USD
Long Term Debt = 506.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 69.7m USD (from shortTermDebt, last quarter)
Debt = 605.8m USD (corrected: LT Debt 506.0m + ST Debt 69.7m) + Leases 30.1m
Net Debt = -678.6m USD (calculated: Debt 605.8m - CCE 1.28b)
Enterprise Value = 1.11b USD (1.78b + Debt 605.8m - CCE 1.28b)
Interest Coverage Ratio = 1.90 (Ebit TTM 171.7m / Interest Expense TTM 90.6m)
EV/FCF = 7.76x (Enterprise Value 1.11b / FCF TTM 142.5m)
FCF Yield = 12.89% (FCF TTM 142.5m / Enterprise Value 1.11b)
FCF Margin = 27.80% (FCF TTM 142.5m / Revenue TTM 512.5m)
Net Margin = 25.23% (Net Income TTM 129.3m / Revenue TTM 512.5m)
Gross Margin = 75.39% ((Revenue TTM 512.5m - Cost of Revenue TTM 126.1m) / Revenue TTM)
Gross Margin QoQ = 74.17% (prev 79.82%)
Tobins Q-Ratio = 0.16 (Enterprise Value 1.11b / Total Assets 7.08b)
Interest Expense / Debt = 14.96% (Interest Expense 90.6m / Debt 605.8m)
Taxrate = 21.70% (35.8m / 165.2m)
NOPAT = 134.4m (EBIT 171.7m * (1 - 21.70%))
Current Ratio = 0.24 (Total Current Assets 1.35b / Total Current Liabilities 5.66b)
Debt / Equity = 0.52 (Debt 605.8m / totalStockholderEquity, last quarter 1.16b)
Debt / EBITDA = -3.64 (Net Debt -678.6m / EBITDA 186.4m)
Debt / FCF = -4.76 (Net Debt -678.6m / FCF TTM 142.5m)
Total Stockholder Equity = 1.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.83% (Net Income 129.3m / Total Assets 7.08b)
RoE = 11.35% (Net Income TTM 129.3m / Total Stockholder Equity 1.14b)
RoCE = 10.44% (EBIT 171.7m / Capital Employed (Equity 1.14b + L.T.Debt 506.0m))
RoIC = 9.17% (NOPAT 134.4m / Invested Capital 1.47b)
WACC = 7.89% (E(1.78b)/V(2.39b) * Re(6.59%) + D(605.8m)/V(2.39b) * Rd(14.96%) * (1-Tc(0.22)))
Discount Rate = 6.59% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 78.98 | Cagr: 0.84%
[DCF] Terminal Value 74.72% ; FCFF base≈145.5m ; Y1≈139.9m ; Y5≈135.8m
[DCF] Fair Price = 160.8 (EV 2.13b - Net Debt -678.6m = Equity 2.81b / Shares 17.5m; r=8.35% [WACC [floored]]; 5y FCF grow -5.09% → 2.50% )
EPS Correlation: 91.08 | EPS CAGR: 14.14% | SUE: -0.29 | # QB: 0
Revenue Correlation: 78.21 | Revenue CAGR: 5.50% | SUE: 0.66 | # QB: 0
EPS current Quarter (2027-03-31): EPS=2.02 | Chg30d=-1.94% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=6.98 | Chg30d=+2.50% | Revisions=+40% | GrowthEPS=+5.1% | GrowthRev=+1.0%
EPS next Year (2027-12-31): EPS=7.17 | Chg30d=+3.99% | Revisions=+40% | GrowthEPS=+2.8% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: +44% (up=5, down=1)