Republic Bancorp, Inc. (RBCAA)

NMS – Real Time Price. Currency in USD

98.22

-0.85 (-0.86%)

Market open: Aug 12, 2026, 1:39 PM EDT

99.07

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 99.07$
Day's range: 97.11 - 99.59$
52-week range: 63.97 - 102.22$
Volume: 64 731
Average volume: 103 815
Beta: 0.13
EPS (TTM): 6.55
PE ratio (TTM): 15.17
Forward P/E: 13.93
Market cap: 1 731 841 430
Shares outstanding: 17 480 987
Dividend yield: $1.91 (1.91%)
Next earnings date: 2026-10-16
Sector: Financials
Industry: Banks - Regional

About the company

Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial, CRE and multi-family, construction and land deve... read more

CEO: Steven Trager
Country: United States
IPO Date: 1998-07-22
Employees: 983
Fiscal Year End: January - December
Website: https://www.republicbank.com

Revenue Breakdown

Traditional Banking / 65.54%

Republic Credit Solutions / 15.28%

Tax Refund Solutions / 11.60%

News

No Data

There are no news for this stock.

Chart: RBCAA

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Overall Score

4.8 / 1048%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $255.7M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.2) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.27	2.82	3.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.22	0.05	8.0
Debt to Assets	0.04	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	323M	427M	505M	521M	504M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	104M	115M	128M	166M	166M
Net Income	91M	90M	101M	131M	128M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	42.02	0.44	10
Net margin %	32.45	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.84	1.46	3.0
ROE	12.03	14.94	7.0
ROIC	9.57	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	8.08	7.24	5.5
Next quarter	34.95	38.46	10
Current year	1.43	5.8	4.0
Next year	3.86	-2.95	2.5
Weighted average score			5.5

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-14.78	-22.78	-22.93	102.83	3.3
Y/Y	1.99	4.39	4.35	-22.15	3.0
3y average	17.88	13.64	14.13	6.86	7.5
5y average	10.05	10.03	11.38	25.28	7.8
Weighted average score					5.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	14.92	11.16	5.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.80	3.37	3.6
P/B	1.66	1.53	5.6
Weighted average score			3.9

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR4.57%

FCF 5 year CAGR4

Fair value114.96$

Stock price99.375$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.38	2.38	7.0
Payout ratio	29.79	29.79	4.0
5-year dividend growth rate	9.54	9.54	9.0
Years of dividend increase	27.00	27.00	10
Weighted average score			7.5

Fair Value

$114.96

UndervaluedStock priceOvervalued

$99.375

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Steven Trager

Country

United States

IPO Date

1998-07-22

Employees

983

Fiscal Year End

January - December

Website

https://www.republicbank.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.27

2.82

3.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.22

0.05

8.0

Debt to Assets

0.04

0.09

9.0

Interest coverage

N/A

Weighted average score

6.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

323M

427M

505M

521M

504M

Gross Profit

N/A

Operating Income

104M

115M

128M

166M

Net Income

91M

90M

101M

131M

128M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

42.02

0.44

Net margin %

32.45

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.84

1.46

3.0

ROE

12.03

14.94

7.0

ROIC

9.57

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

8.08

7.24

5.5

Next quarter

34.95

38.46

Current year

1.43

5.8

4.0

Next year

3.86

-2.95

2.5

Weighted average score

5.5

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-14.78

-22.78

-22.93

102.83

3.3

Y/Y

1.99

4.39

4.35

-22.15

3.0

3y average

17.88

13.64

14.13

6.86

7.5

5y average

10.05

10.03

11.38

25.28

7.8

Weighted average score

5.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

14.92

11.16

5.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

4.80

3.37

3.6

P/B

1.66

1.53

5.6

Weighted average score

3.9

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.38

7.0

Payout ratio

29.79

4.0

5-year dividend growth rate

9.54

9.0

Years of dividend increase

27.00

Weighted average score

7.5

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Republic Bancorp, Inc. (RBCAA)

Stock details

About the company

Revenue Breakdown

News

Chart: RBCAA

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$114.96

$99.375

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: RBCAA

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$114.96

$99.375

Economic Moat