Republic Bancorp (RBCAA) AI Stock Analysis

• Market Cap: $1.18B
• Dividend Yield: 2.66%
• Average Volume (3M): 32.80K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.78
• Revenue Growth: 12.38%
• EPS Growth: 26.96%
• Country: US
• Employees: 981
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 2.42
• Shares Outstanding: 17,374,735
• 10 Day Avg. Volume: 48,578
• 30 Day Avg. Volume: 32,801
• PEG Ratio: 1.23
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.37
• Enterprise Value/Market Cap: 1.20
• Enterprise Value/Revenue: 0.77
• Enterprise Value/Gross Profit: 2.79
• Enterprise Value/Ebitda: 3.25
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 74 Outperform
• Price Target: ―

Republic Bancorp's overall score reflects its strong underlying financial performance, marked by high profitability and low leverage. The technical analysis suggests caution due to mixed signals, while the valuation is reasonable with a solid dividend yield. Recent corporate events underline strong earnings growth, supporting a positive outlook.

Republic Bancorp Business Overview & Revenue Model

Company Description

Republic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit. Its loan products include residential real estate, commercial real estate, construction and land development, home improvement and home equity, secured and unsecured personal, and aircraft loans. The company also offers credit cards; title insurance and other financial products and services; and memory banking, private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it provides short-term and revolving credit facilities to mortgage bankers; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; and general purpose reloadable prepaid cards through third party service providers. Further, the company offers consumer credit products; and property and casualty insurance products. As of January 28, 2022, it operated 42 full-service banking centers. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.

How the Company Makes Money

Republic Bancorp generates revenue primarily through traditional banking activities. Interest income from loans and investment securities forms the bulk of its earnings, as the bank lends out deposits to borrowers at higher interest rates than it pays to depositors. Additionally, the company earns non-interest income from fees associated with various financial services, including transaction fees, mortgage banking fees, and service charges on deposit accounts. The bank also benefits from its tax refund solutions business, which provides tax-related financial products to consumers and tax preparers. Key factors influencing its earnings include interest rate fluctuations, credit demand, and economic conditions in the regions it operates.

Republic Bancorp Financial Statement Overview

Summary

Republic Bancorp demonstrates strong financial health with solid profitability, low leverage, and effective cash generation. It maintains a robust equity position and a conservative debt level, though there is some fluctuation in free cash flow growth.

Income Statement

Republic Bancorp shows solid profitability with a high EBIT margin of 87% and consistent net profit margins, indicating efficient cost management. Revenue growth appears stable, though growth rates have been moderate over recent years. The absence of EBITDA margin figures limits further analysis.

Balance Sheet

The company maintains a robust equity position with a high equity ratio of 38.5%, reflecting financial stability. A low debt-to-equity ratio of 0.04 suggests conservative leverage, reducing financial risk. Strong ROE of 40.8% underscores effective shareholder value creation.

Cash Flow

Cash flow analysis reveals a strong operating cash flow to net income ratio, highlighting good cash conversion. However, variability in free cash flow growth, with a high positive rate in recent years, suggests some fluctuations in cash management.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
72.65M	310.88M	308.73M	302.49M	315.06M
	Gross Profit
72.65M	310.88M	308.73M	302.49M	315.06M
	EBIT
63.21M	115.37M	119.27M	110.34M	102.63M
	EBITDA
0.00	0.00	124.44M	120.43M	112.36M
	Net Income Common Stockholders
101.37M	90.37M	91.11M	87.61M	83.25M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
787.18M	907.88M	985.55M	1.25B	1.01B
	Total Assets
6.44B	6.59B	5.83B	6.09B	6.17B
	Total Debt
432.12M	513.16M	132.81M	64.67M	320.58M
	Net Debt
-38.09M	196.59M	-180.88M	-692.30M	-165.01M
	Total Liabilities
5.85B	5.68B	4.98B	64.67M	320.58M
	Stockholders Equity
992.03M	912.76M	856.61M	834.23M	823.32M
Cash Flow		Free Cash Flow
143.19M	101.64M	151.29M	93.65M	64.85M
	Operating Cash Flow
149.00M	108.53M	154.79M	99.43M	68.43M
	Investing Cash Flow
-181.03M	-516.95M	-254.51M	306.55M	-415.02M
	Financing Cash Flow
147.61M	411.30M	-343.56M	-134.60M	446.87M

Republic Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 68.54
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 68.54 is below the 20-day moving average (MA) of 69.94, above the 50-day MA of 68.25, and above the 200-day MA of 67.57, indicating a neutral trend. The MACD of -0.12 indicates Positive momentum. The RSI at 42.44 is Neutral, neither overbought nor oversold. The STOCH value of 23.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RBCAA.

Republic Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFBC	76 Outperform	$1.08B	8.58	17.21%	3.71%	0.94%	-8.61%
RBCAA	74 Outperform	$1.18B	11.28	11.98%	2.66%	12.38%	26.96%
BY	73 Outperform	$1.06B	9.38	11.08%	1.58%	7.68%	-1.13%
DCOM	70 Outperform	$1.15B	41.17	2.45%	3.82%	-2.81%	-64.23%
LOB	66 Neutral	$1.28B	21.52	6.10%	0.43%	12.30%	-41.81%
Sector *	64 Neutral	$12.86B	9.79	7.84%	78.10%	12.05%	-7.99%
BHLB	62 Neutral	$1.12B	9.84	9.69%	2.97%	17.96%	399.48%

Republic Bancorp Corporate Events

Republic Bancorp Reports Strong Earnings Growth at Annual Meeting

Republic Bancorp, Inc. held its Annual Meeting of Shareholders on April 24, 2025, where it presented its strategic priorities and financial results. The company reported a 13% increase in diluted earnings per share for 2024, driven by a 6.9% growth in net revenue and a modest 1.7% rise in noninterest expenses, resulting in a positive operating leverage. The meeting also highlighted the company’s strong growth in deposits and a favorable decrease in the loan-to-deposit ratio. The Core Bank segment saw a 22% growth in net income, while the Republic Processing Group experienced a slight decline in net income due to higher loss rates on early season refund advances.

Spark’s Take on RBCAA Stock

According to Spark, TipRanks’ AI Analyst, RBCAA is a Outperform.

Republic Bancorp scores well due to its strong financial performance, marked by high profitability and low leverage, and its consistent dividend increases. However, its technical analysis reveals mixed signals, suggesting caution in the short to medium term. The reasonable valuation supports the stock’s attractiveness, though market momentum could present challenges.

To see Spark’s full report on RBCAA stock, click here.