Republic Bancorp (RBCAA) AI Stock Analysis

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Republic Bancorp

(NASDAQ:RBCAA)

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Rating:69Neutral

Price Target:$100.00▲(9.75% Upside)

Action:downgraded

Date:11/06/26

The score is driven primarily by above-average financial performance, led by strong profitability and improving balance-sheet leverage in TTM, partially offset by uneven growth and cash-flow volatility. Technical indicators are neutral-to-soft, tempering near-term confidence, while a reasonable P/E and a moderate dividend yield provide supportive valuation.

Positive Factors

Strong profitabilitySustained high margins and double-digit returns on equity indicate that Republic is converting its banking franchise and shareholder capital into earnings efficiently. This profitability provides internal capacity to absorb credit costs, invest in growth, and support shareholder returns over the next several quarters.

Negative Factors

Uneven revenue growthThe uneven revenue trajectory makes it harder to underwrite a steady growth rate. A flat annual result followed by an outsized TTM increase suggests that recent acceleration may partly reflect normalization or timing, creating a risk that future growth and earnings momentum moderate.

Republic Bancorp (RBCAA) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $1.59B
Dividend Yield: 2.12%
Average Volume (3M): 102.23K
Price to Earnings (P/E): 13.9
Beta (1Y): 0.52
Revenue Growth: -1.66%
EPS Growth: 1.27%
Country: US
Employees: 973
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Republic Bancorp Business Overview & Revenue Model

Company Description

Republic Bancorp, Inc., a financial holding company established in Louisville, Kentucky in 1974, provides a comprehensive suite of banking products and services throughout the United States. Its operations are strategically divided into five segments...

How the Company Makes Money

Republic Bancorp primarily generates earnings through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest income on loans and investment securities and interest expense paid on deposits a...

Republic Bancorp Financial Statement Overview

Summary

Overall financial quality is above average: strong and improving profitability (healthy net margins and ~10%–12% ROE) and a balance sheet that appears to be de-risking in TTM. Offsets include uneven revenue growth (flat in 2025 and an outsized TTM spike that may normalize) and volatile operating cash-flow behavior that reduces cash-flow stability despite free cash flow generally tracking net income.

Income Statement

82Very Positive

Balance Sheet

74Positive

Cash Flow

66Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	512.51M	521.34M	499.79M	421.56M	316.22M	310.02M
Gross Profit	386.37M	385.90M	324.58M	306.65M	286.38M	289.55M
EBITDA	183.44M	180.39M	142.33M	128.22M	134.90M	129.75M
Net Income	129.33M	131.32M	101.37M	90.37M	91.11M	87.61M
Balance Sheet
Total Assets	7.08B	7.04B	6.85B	6.59B	5.83B	6.09B
Cash, Cash Equivalents and Short-Term Investments	1.28B	219.97M	775.08M	907.88M	934.05M	1.25B
Total Debt	225.19M	626.87M	535.44M	513.16M	349.76M	355.64M
Total Liabilities	5.92B	5.94B	5.85B	5.68B	4.98B	5.26B
Stockholders Equity	1.16B	1.10B	992.03M	912.76M	856.61M	834.23M
Cash Flow
Free Cash Flow	142.48M	161.11M	143.19M	101.64M	151.29M	94.47M
Operating Cash Flow	148.99M	168.21M	149.00M	108.53M	154.79M	100.25M
Investing Cash Flow	-195.15M	-436.12M	-181.03M	-516.95M	-254.51M	306.55M
Financing Cash Flow	-38.73M	55.73M	147.61M	411.30M	-343.56M	-135.42M

Republic Bancorp Technical Analysis

Technical Analysis SentimentNegative

Last Price91.12

Price Trends

50DMA92.92Negative

100DMA93.11Negative

200DMA83.45Positive

Market Momentum

MACD-0.34Negative

RSI46.72Neutral

STOCH30.67Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RBCAA, the sentiment is Negative. The current price of 91.12 is below the 20-day moving average (MA) of 91.62, below the 50-day MA of 92.92, and above the 200-day MA of 83.45, indicating a neutral trend. The MACD of -0.34 indicates Negative momentum. The RSI at 46.72 is Neutral, neither overbought nor oversold. The STOCH value of 30.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RBCAA.

Republic Bancorp Risk Analysis

Republic Bancorp disclosed 47 risk factors in its most recent earnings report. Republic Bancorp reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

3 New Risks

1.Republic's management is required to evaluate the effectiveness of the Company's disclosure controls and internal control over financial reporting. If the Company is unable to maintain effective disclosure controls and internal control over financial reporting, investors may lose confidence in the accuracy of the Company's financial reports.Q4, 2025

2.The Company is significantly impacted by the regulatory, fiscal, and monetary policies of federal and state governments that could negatively impact the Company's liquidity position and earnings. These policies can materially affect the value of the Company's financial instruments and can also adversely affect the Company's clients and their ability to repay their outstanding loans. In addition, failure to comply with laws, regulations or policies, or adverse examination findings, could result in significant penalties, negatively impact operations, or result in other sanctions against the Company.Q4, 2025

3.The evolving federal "AI Action Plan" and related regulatory initiatives could increase compliance costs, constrain the Company's use of AI, and expose the Company to new legal, operational, and reputational risks.Q4, 2025

Republic Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

RBCAA against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GABC	80Outperform	$1.88B	12.88	12.39%	2.48%	12.22%	35.76%
FMBH	79Outperform	$1.36B	11.76	10.50%	1.97%	14.51%	19.30%
THFF	79Outperform	$918.17M	10.01	13.84%	2.90%	9.80%	23.15%
SYBT	78Outperform	$2.50B	15.26	13.53%	1.62%	9.59%	13.15%
PEBO	77Outperform	$1.39B	11.19	10.02%	4.35%	-0.40%	18.38%
RBCAA	69Neutral	$1.60B	13.93	11.35%	2.12%	-1.66%	1.27%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

* Financial Sector Average

Performance Comparison

RBCAA and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
RBCAA	Republic Bancorp	91.12	25.80	39.49%
THFF	First Financial Corporation Indiana	77.11	22.20	40.42%
GABC	German American Bancorp	49.96	11.48	29.84%
PEBO	Peoples Bancorp	38.37	10.79	39.11%
SYBT	Stock Yards Bancorp, Inc.	79.64	13.85	21.06%
FMBH	First Mid-Illinois Bancshares, Inc.	51.29	14.93	41.08%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 06, 2026

Republic Bancorp AI Stock Analysis