Republic Bancorp/$RBCAA
1D1W1MYTD1Y5YMAX
Capital at risk
About Republic Bancorp
Republic Bancorp Inc operates as a financial institution that provides both traditional and non-traditional banking products through five reportable segments. It has traditional banking, which generates the majority of revenue, Warehouse Lending, Tax Refund Solutions (TRS), Republic Payment Solutions segment, and Republic Credit Solutions (RCS) business segments. The business activities of these segments include retail mortgage and commercial lending, construction and land development lending, internet lending, correspondent and indirect lending, and also private banking, treasury management services, internet, and mobile banking, bank acquisitions, short-term revolving credit facilities, fixed-term residential real estate loans, and receipt and payment of federal.
- Ticker
- $RBCAA
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 973
- Headquarters
- Louisville, United States
- Website
- www.republicbank.com
Republic Bancorp Metrics
BasicAdvanced
$1.8B
14.53
$6.45
0.56
$1.89
2.11%
Price and volume
Market cap
$1.8B
Beta
0.56
52-week high
$102.22
52-week low
$63.97
Average daily volume
111K
Dividend rate
$1.89
Financial strength
Dividend payout ratio (TTM)
27.83%
Profitability
Net profit margin (TTM)
33.47%
Operating margin (TTM)
43.50%
Effective tax rate (TTM)
21.61%
Revenue per employee (TTM)
$390,000
Management effectiveness
Return on assets (TTM)
1.82%
Return on equity (TTM)
11.55%
Valuation
Price to earnings (TTM)
14.532
Price to revenue (TTM)
4.853
Price to book
1.59
Price to tangible book (TTM)
1.65
Price to free cash flow (TTM)
13.602
Free cash flow yield (TTM)
7.35%
Free cash flow per share (TTM)
6.893
Dividend yield (TTM)
2.02%
Forward dividend yield
2.11%
Growth
Revenue change (TTM)
3.59%
Earnings per share change (TTM)
2.69%
3-year revenue growth (CAGR)
7.79%
3-year earnings per share growth (CAGR)
13.77%
10-year earnings per share growth (CAGR)
13.20%
3-year dividend per share growth (CAGR)
9.78%
10-year dividend per share growth (CAGR)
8.95%
What the Analysts think about Republic Bancorp
Analyst ratings (Buy, Hold, Sell) for Republic Bancorp stock.
Analyst projections of the future price of Republic Bancorp stock.
Bulls say / Bears say
Core Bank net interest income rose 7% year on year in Q2, while its net interest margin widened 30 basis points to 4.02% despite a 75-basis-point fall in the Federal Funds Target Rate. Traditional Banking loans grew $59 million, the strongest quarterly increase in nearly three years. (SEC filing, Stockhouse)
The new Republic Payment Solutions programme is expected to add more than $150 million of lower-cost average deposits during the rest of 2026. If delivered, that should diversify funding, improve liquidity and add fee income. (SEC filing, StockTitan)
Credit quality in the core bank remains a strength: Q2 annualised net charge-offs were just 0.01%, while company-wide non-performing loans were 0.57% of loans. The $87.8 million allowance for credit losses covered 1.62% of total loans, giving the balance sheet some protection if conditions worsen. (StockTitan, SEC filing)
The Republic Processing Group remains a source of earnings volatility. Its Q2 net income fell to $10.1 million from $12.8 million, as the loss of a major tax-provider contract and higher provisions and marketing costs in Credit Solutions offset growth elsewhere. (Stockhouse, Ainvest)
Warehouse Lending growth is losing momentum: average outstanding lines rose only 2% year on year in Q2, while the weighted-average yield fell 61 basis points to 6.33%. Utilisation also declined from 57% to 50% as committed lines grew faster than borrowings. (Stockhouse, SEC filing)
The shares appear to price in much of the improvement already. Recent analysis put RBCAA at about 14.8 times trailing earnings and 1.63 times book value after a roughly 40% run, leaving less valuation cushion if margin gains or processing earnings disappoint. (Ainvest, Seeking Alpha)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.
Republic Bancorp Financial Performance
Revenues and expenses
Republic Bancorp Earnings Performance
Company profitability
Upcoming events
Republic Bancorp News
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Funds containing Republic Bancorp
AllEURUSDGBP
Fund name | Fund size | $RBCAA weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.03% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
iShares MSCI World Small Cap£WLDS | £6.7B | 0.01% |
Vanguard ESG Global All Cap£V3AB | £905M | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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