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Company Analysis

Republic Bancorp, Inc. RBCAA

A comprehensive view of key metrics, scores, and financial health for Republic Bancorp, Inc.

Overview of Republic Bancorp, Inc.

RBCAA NMS
Financial Services Banks - Regional Small Cap
Republic Bancorp, Inc. (RBCAA), is a Small Cap company, in the Banks - Regional industry, last closed at $68.52, about 17.2% overvalued vs fair value, +5.3% 1Y return, ranked 501/1004 in sector.
$68.52
-0.41%
As of March 13, 2026
Previous close • Vol 90d: 25.2%
52-Week Range
Market Cap
$1.35B
Enterprise Value
$1.76B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.republicbank.com
HQ Louisville, KY
Employees 973
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$31
$57
$106
Current: $68.52 -17% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$433.0M
21.6%%
Interest Expense
$103.8M
Net Interest Income
$312.2M
8.1%%
Total Revenue
$521.3M
37.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.2%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$30.5M
30.1% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Republic Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
85
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing RBCAA's balance between Growth (21.2%), Profitability (39.6%), and Safety (39.3%). Growth 21% Safety 39% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

41th percentile vs peers
42
Key Signals
Revenue CAGR 3Y 19.1% 51p Asset Growth YoY 2.9% 43p Rev Growth YoY 37.6% 32p
Strengths
  • Roa in top 20% of peers (1.5%, 88th percentile)
  • Operating Margin in top 20% of peers (31.8%, 80th percentile)
  • Net Profit Margin in top 20% of peers (25.2%, 80th percentile)
  • Roa in top 20% of peers (1.5%, 88th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

78th percentile vs peers
78
Key Signals
Strengths
Risks
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Safety

77th percentile vs peers
78
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Republic Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$56.71
- - -
-17.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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