(RBCAA) Republic Bancorp - Overview
Stock: Banking, Loans, Credit, Deposits, Cards
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.59% |
| Yield on Cost 5y | 6.41% |
| Yield CAGR 5y | 10.00% |
| Payout Consistency | 96.6% |
| Payout Ratio | 27.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 29.5% |
| Relative Tail Risk | -8.36% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.41 |
| Alpha | 3.20 |
| Character TTM | |
|---|---|
| Beta | 0.570 |
| Beta Downside | 0.523 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.56% |
| CAGR/Max DD | 0.99 |
Description: RBCAA Republic Bancorp January 15, 2026
Republic Bancorp, Inc. (NASDAQ: RBCAA) is a bank-holding company whose primary subsidiary, Republic Bank & Trust Company, delivers a diversified suite of banking products across five operating segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. Its franchise spans full-service branches in Kentucky, Indiana, Florida, Ohio and Tennessee, offering retail mortgages, commercial and industrial loans, construction financing, personal and aircraft loans, as well as a range of payment-processing and private-banking services.
Key performance indicators from the most recent quarterly filing (Q4 2024) show a loan portfolio of roughly $9.2 billion, up 5 % year-over-year, driven largely by growth in mortgage-warehouse lines and commercial real-estate lending. Deposit balances rose to $11.8 billion (+4 % YoY), supporting a net interest margin of 3.45 %-slightly above the regional-bank median of 3.2 % amid a flattening yield curve. The bank’s earnings per share (EPS) of $0.71 beat consensus expectations, but its efficiency ratio of 58 % remains higher than the sector average, reflecting ongoing cost pressures from legacy branch infrastructure.
Broader sector dynamics-such as the Federal Reserve’s incremental rate hikes and heightened scrutiny of warehouse-lending credit quality-remain material risks, while the company’s exposure to tax-refund processing offers a non-interest-income tail that can offset margin compression in a low-rate environment. For a deeper, data-driven view of RBCAA’s valuation and risk profile, a quick look at ValueRay’s analytical dashboard can help you surface the most relevant metrics.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 127.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.07 > 1.0 |
| NWC/Revenue: 238.2% < 20% (prev -910.2%; Δ 1148 % < -1%) |
| CFO/TA 0.02 > 3% & CFO 158.4m > Net Income 127.5m |
| Net Debt (-131.5m) to EBITDA (176.1m): -0.75 < 3 |
| Current Ratio: 14.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (19.8m) vs 12m ago 0.11% < -2% |
| Gross Margin: 72.42% > 18% (prev 0.65%; Δ 7177 % > 0.5%) |
| Asset Turnover: 7.39% > 50% (prev 7.14%; Δ 0.26% > 0%) |
| Interest Coverage Ratio: 1.50 > 6 (EBITDA TTM 176.1m / Interest Expense TTM 107.1m) |
Altman Z'' 1.92
| A: 0.17 (Total Current Assets 1.31b - Total Current Liabilities 88.5m) / Total Assets 7.04b |
| B: 0.13 (Retained Earnings 932.0m / Total Assets 7.04b) |
| C: 0.02 (EBIT TTM 161.2m / Avg Total Assets 6.94b) |
| D: 0.19 (Book Value of Equity 1.10b / Total Liabilities 5.94b) |
| Altman-Z'' Score: 1.92 = BBB |
Beneish M -2.24
| DSRI: 2.08 (Receivables 201.2m/92.2m, Revenue 513.5m/488.5m) |
| GMI: 0.90 (GM 72.42% / 65.30%) |
| AQI: 0.93 (AQ_t 0.80 / AQ_t-1 0.86) |
| SGI: 1.05 (Revenue 513.5m / 488.5m) |
| TATA: -0.00 (NI 127.5m - CFO 158.4m) / TA 7.04b) |
| Beneish M-Score: -2.24 (Cap -4..+1) = BBB |
What is the price of RBCAA shares?
Over the past week, the price has changed by +2.12%, over one month by +8.11%, over three months by +13.79% and over the past year by +12.19%.
Is RBCAA a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the RBCAA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 75 | 1.1% |
| Analysts Target Price | 75 | 1.1% |
| ValueRay Target Price | 87.4 | 17.8% |
RBCAA Fundamental Data Overview January 31, 2026
P/S = 3.6271
P/B = 1.2839
P/EG = 1.75
Revenue TTM = 513.5m USD
EBIT TTM = 161.2m USD
EBITDA TTM = 176.1m USD
Long Term Debt = 375.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = 88.5m USD (from shortTermDebt, last quarter)
Debt = 88.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -131.5m USD (from netDebt column, last quarter)
Enterprise Value = 350.0m USD (1.37b + Debt 88.5m - CCE 1.11b)
Interest Coverage Ratio = 1.50 (Ebit TTM 161.2m / Interest Expense TTM 107.1m)
EV/FCF = 2.33x (Enterprise Value 350.0m / FCF TTM 150.1m)
FCF Yield = 42.90% (FCF TTM 150.1m / Enterprise Value 350.0m)
FCF Margin = 29.24% (FCF TTM 150.1m / Revenue TTM 513.5m)
Net Margin = 24.83% (Net Income TTM 127.5m / Revenue TTM 513.5m)
Gross Margin = 72.42% ((Revenue TTM 513.5m - Cost of Revenue TTM 141.6m) / Revenue TTM)
Gross Margin QoQ = 76.06% (prev 76.49%)
Tobins Q-Ratio = 0.05 (Enterprise Value 350.0m / Total Assets 7.04b)
Interest Expense / Debt = 29.68% (Interest Expense 26.3m / Debt 88.5m)
Taxrate = 21.23% (8.02m / 37.8m)
NOPAT = 126.9m (EBIT 161.2m * (1 - 21.23%))
Current Ratio = 14.82 (Total Current Assets 1.31b / Total Current Liabilities 88.5m)
Debt / Equity = 0.08 (Debt 88.5m / totalStockholderEquity, last quarter 1.10b)
Debt / EBITDA = -0.75 (Net Debt -131.5m / EBITDA 176.1m)
Debt / FCF = -0.88 (Net Debt -131.5m / FCF TTM 150.1m)
Total Stockholder Equity = 1.07b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.84% (Net Income 127.5m / Total Assets 7.04b)
RoE = 11.91% (Net Income TTM 127.5m / Total Stockholder Equity 1.07b)
RoCE = 11.15% (EBIT 161.2m / Capital Employed (Equity 1.07b + L.T.Debt 375.0m))
RoIC = 8.87% (NOPAT 126.9m / Invested Capital 1.43b)
WACC = 8.95% (E(1.37b)/V(1.46b) * Re(8.02%) + D(88.5m)/V(1.46b) * Rd(29.68%) * (1-Tc(0.21)))
Discount Rate = 8.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.32%
[DCF Debug] Terminal Value 74.71% ; FCFF base≈146.6m ; Y1≈146.8m ; Y5≈155.8m
Fair Price DCF = 140.4 (EV 2.31b - Net Debt -131.5m = Equity 2.44b / Shares 17.4m; r=8.95% [WACC]; 5y FCF grow -0.41% → 2.90% )
EPS Correlation: 53.18 | EPS CAGR: 16.93% | SUE: 0.42 | # QB: 0
Revenue Correlation: 68.20 | Revenue CAGR: 4.11% | SUE: 0.90 | # QB: 10
EPS next Quarter (2026-03-31): EPS=1.99 | Chg30d=+0.015 | Revisions Net=+2 | Analysts=2
EPS next Year (2026-12-31): EPS=6.09 | Chg30d=-0.015 | Revisions Net=+2 | Growth EPS=-11.3% | Growth Revenue=-1.2%