RBCAA Stock Analysis: Republic Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.795m USD | 12M Return: 22.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.0M
EPS Trend: 95.0%
Qual. Beats: 0
Rev. Trend: 88.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 126.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.44 > 1.0 |
| NWC/Revenue: 104.7% < 20% (prev -831.7%; Δ 936.4% < -1%) |
| CFO/TA 0.02 > 3% & CFO 148.0m > Net Income 126.6m |
| Net Debt (-88.3m) to EBITDA (175.8m): -0.50 < 3 |
| Current Ratio: 7.37 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.8m) vs 12m ago 0.17% < -2% |
| Gross Margin: 74.97% > 18% (prev 69.38%; Δ 5.59% > 0.5%) |
| Asset Turnover: 6.90% > 50% (prev 7.19%; Δ -0.29% > 0%) |
| Interest Coverage Ratio: 1.61 > 6 (EBIT TTM 161.1m / Interest Expense TTM 100.0m) |
| A: 0.07 (Total Current Assets 599.1m - Total Current Liabilities 81.3m) / Total Assets 7.25b |
| B: 0.13 (Retained Earnings 976.3m / Total Assets 7.25b) |
| C: 0.02 (EBIT TTM 161.1m / Avg Total Assets 7.16b) |
| D: 0.19 (Book Value of Equity 1.13b / Total Liabilities 6.12b) |
| Altman-Z'' = 1.25 = BB |
| DSRI: 2.23 (Receivables 199.6m/92.1m, Revenue 494.3m/508.4m) |
| GMI: 0.93 (GM 69.38% / 74.97%) |
| AQI: 1.11 (AQ_t 0.90 / AQ_t-1 0.81) |
| SGI: 0.97 (Revenue 494.3m / 508.4m) |
| TATA: -0.00 (NI 126.6m - CFO 148.0m) / TA 7.25b) |
| Beneish M = -2.03 (Cap -4..+1) = BB |
As of July 08, 2026, the stock is trading at USD 90.25 with a total of 150,910 shares traded. Over the past week, the price has changed by -0.06%, over one month by +6.96%, over three months by +26.15% and over the past year by +22.53%.
Current recommended Stop Loss: 87.40 (which is 3.2% or 1.3 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 | 80 | -11.4% |
P/E Trailing = 14.1204
P/E Forward = 14.1643
P/S = 4.8187
P/B = 1.6059
P/EG = 1.2712
Revenue TTM = 494.3m USD
EBIT TTM = 161.1m USD
EBITDA TTM = 175.8m USD
Long Term Debt = 366.5m USD (from longTermDebt, last quarter)
Short Term Debt = 81.3m USD (from shortTermDebt, last quarter)
Debt = 510.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 31.5m
Net Debt = -88.3m USD (calculated: Debt 510.8m - CCE 599.1m)
Enterprise Value = 1.71b USD (1.80b + Debt 510.8m - CCE 599.1m)
Interest Coverage Ratio = 1.61 (Ebit TTM 161.1m / Interest Expense TTM 100.0m)
EV/FCF = 12.40x (Enterprise Value 1.71b / FCF TTM 137.6m)
FCF Yield = 8.06% (FCF TTM 137.6m / Enterprise Value 1.71b)
FCF Margin = 27.84% (FCF TTM 137.6m / Revenue TTM 494.3m)
Net Margin = 25.61% (Net Income TTM 126.6m / Revenue TTM 494.3m)
Gross Margin = 74.97% ((Revenue TTM 494.3m - Cost of Revenue TTM 123.7m) / Revenue TTM)
Gross Margin QoQ = 76.20% (prev 70.93%)
Tobins Q-Ratio = 0.24 (Enterprise Value 1.71b / Total Assets 7.25b)
Interest Expense / Debt = 19.58% (Interest Expense 100.0m / Debt 510.8m)
Taxrate = 21.42% (34.5m / 161.1m)
NOPAT = 126.6m (EBIT 161.1m * (1 - 21.42%))
Current Ratio = 7.37 (Total Current Assets 599.1m / Total Current Liabilities 81.3m)
Debt / Equity = 0.45 (Debt 510.8m / totalStockholderEquity, last quarter 1.13b)
Debt / EBITDA = -0.50 (Net Debt -88.3m / EBITDA 175.8m)
Debt / FCF = -0.64 (Net Debt -88.3m / FCF TTM 137.6m)
Total Stockholder Equity = 1.10b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.77% (Net Income 126.6m / Total Assets 7.25b)
RoE = 11.56% (Net Income TTM 126.6m / Total Stockholder Equity 1.10b)
RoCE = 11.02% (EBIT 161.1m / Capital Employed (Equity 1.10b + L.T.Debt 366.5m))
RoIC = 1.75% (NOPAT 126.6m / Invested Capital 7.23b)
WACC = 9.48% (E(1.80b)/V(2.31b) * Re(7.80%) + D(510.8m)/V(2.31b) * Rd(19.58%) * (1-Tc(0.21)))
Discount Rate = 7.80% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 0.35%
[DCF] Terminal Value 68.98% ; FCFF base≈148.8m ; Y1≈130.5m ; Y5≈105.5m
[DCF] Fair Price = 86.68 (EV 1.43b - Net Debt -88.3m = Equity 1.52b / Shares 17.5m; r=9.48% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 94.96 | EPS CAGR: 16.11% | SUE: 0.82 | # QB: 0
Revenue Correlation: 88.52 | Revenue CAGR: 11.33% | SUE: 0.80 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.55 | Chg30d=+9.93% | Revisions=+0% | Analysts=1
EPS next Quarter (2026-09-30): EPS=1.56 | Chg30d=+9.47% | Revisions=+40% | Analysts=1
EPS current Year (2026-12-31): EPS=6.65 | Chg30d=+9.83% | Revisions=+0% | GrowthEPS=+0.1% | GrowthRev=-2.6%
EPS next Year (2027-12-31): EPS=6.62 | Chg30d=+6.26% | Revisions=-40% | GrowthEPS=-0.4% | GrowthRev=+2.9%