(RBCAA) Republic Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.512m USD | Total Return: 15.7% in 12m
Avg Turnover: 5.44M
EPS Trend: 95.0%
Qual. Beats: 0
Rev. Trend: 88.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Supp Ema20
Republic Bancorp, Inc. (RBCAA) operates as a bank holding company, providing diverse banking products and services across multiple states, including Kentucky, Indiana, Florida, Ohio, and Tennessee. Its business model encompasses traditional banking services, a common approach for regional banks.
The company operates through five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. This multi-segment approach allows for diversification of revenue streams within the financial services sector.
RBCAAs offerings include various loan types, such as retail mortgage, commercial and industrial, and aircraft loans. It also generates revenue from service charges on deposit accounts and interchange fees from debit and credit cards, typical income sources for financial institutions. Additionally, the company provides specialized services like mortgage warehouse lines of credit for mortgage bankers and tax refund solutions, which are often facilitated through partnerships with tax preparers.
For more detailed financial analysis, consider exploring ValueRays comprehensive reports.
- Net interest income growth from diverse loan portfolios
- Warehouse lending volume impacts interest income
- Tax Refund Solutions revenue tied to tax season
- Regulatory changes affect banking and payment operations
- Economic conditions influence loan demand and credit quality
| Net Income: 126.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.01 > 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 0.69%; Δ 7.43k% > 0.5%) |
| Asset Turnover: 6.90% > 50% (prev 7.19%; Δ -0.29% > 0%) |
| Interest Coverage Ratio: 1.61 > 6 (EBITDA TTM 175.8m / 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: 0.16 (Book Value of Equity 973.9m / Total Liabilities 6.12b) |
| Altman-Z'' = 1.23 = BB |
| DSRI: 2.23 (Receivables 199.6m/92.1m, Revenue 494.3m/508.4m) |
| GMI: 0.93 (GM 74.97% / 69.38%) |
| 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 = -2.04 (Cap -4..+1) = BB |
As of May 24, 2026, the stock is trading at USD 79.55 with a total of 52,328 shares traded.
Over the past week, the price has changed by +5.21%,
over one month by +9.59%,
over three months by +15.18% and
over the past year by +15.71%.
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 | 0.6% |
P/E Forward = 14.1643
P/S = 4.0577
P/B = 1.3089
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 = 1.42b USD (1.51b + Debt 510.8m - CCE 599.1m)
Interest Coverage Ratio = 1.61 (Ebit TTM 161.1m / Interest Expense TTM 100.0m)
EV/FCF = 10.63x (Enterprise Value 1.42b / FCF TTM 133.9m)
FCF Yield = 9.41% (FCF TTM 133.9m / Enterprise Value 1.42b)
FCF Margin = 27.09% (FCF TTM 133.9m / 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 = 0.20 (Enterprise Value 1.42b / Total Assets 7.25b)
Interest Expense / Debt = 19.58% (Interest Expense 100.0m / Debt 510.8m)
Taxrate = 23.14% (12.8m / 55.4m)
NOPAT = 123.8m (EBIT 161.1m * (1 - 23.14%))
Current Ratio = 0.12 (Total Current Assets 599.1m / Total Current Liabilities 4.87b)
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 = -0.66 (Net Debt -88.3m / FCF TTM 133.9m)
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 = 1.73% (NOPAT 123.8m / Invested Capital 7.16b)
WACC = 10.00% (E(1.51b)/V(2.02b) * Re(8.29%) + D(510.8m)/V(2.02b) * Rd(19.58%) * (1-Tc(0.23)))
Discount Rate = 8.29% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 0.35%
[DCF] Terminal Value 70.32% ; FCFF base≈132.4m ; Y1≈136.2m ; Y5≈151.3m
[DCF] Fair Price = 109.6 (EV 1.83b - Net Debt -88.3m = Equity 1.92b / Shares 17.5m; r=10.00% [WACC]; 5y FCF grow 2.92% → 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=+33% | 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=-33% | GrowthEPS=-0.4% | GrowthRev=+2.9%