RBCAA

NEUTRAL

$75.47 Live

Republic Bancorp, Inc. · NASDAQ

Target $75.0 (-0.6%)

$62.52 52W Range $78.25

RBCAA Republic Bancorp, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

RBCAA Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$75.47

Analyst Target

$75.0

-0.6% Downside

52W High

$78.25

52W Low

$62.52

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 18, 2026

Market cap

$1.48B

P/E

11.23

ROE

12.5%

Profit margin

34.0%

Debt/Equity

N/A

Dividend yield

2.62%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

RBCAA presents a classic value disconnect: the stock is fundamentally undervalued relative to its Graham Number ($92.35) and Intrinsic Value ($198.24), yet it suffers from severe technical weakness (10/100 trend). The Piotroski F-Score of 4/9 indicates stable but mediocre financial health, lacking the strength to trigger a bullish breakout. While YoY earnings growth is robust at 19.9%, the recent Q/Q EPS decline of 23.2% and bearish insider sentiment suggest a period of consolidation or stagnation. The stock is currently trading right at the analyst target price of $75.00, offering limited immediate upside catalyst despite the valuation gap.

Key Strengths

Significant undervaluation relative to Graham Number ($92.35) and Intrinsic Value ($198.24)

Strong Year-over-Year earnings growth of 19.90%

Sustainable dividend profile with a low payout ratio of 26.85%

Healthy profitability metrics with an ROE of 12.54% and Profit Margin of 34.03%

Low P/E ratio (11.23) compared to broader financial services sector averages

Key Risks

Severe bearish technical trend (10/100) indicating strong selling pressure

Exposure to interest rate volatility and yield curve inversion affecting Net Interest Margin (NIM)

Recent quarterly EPS contraction of 23.2% Q/Q

Bearish insider sentiment with recent selling activity

Moderate Piotroski F-Score (4/9) suggesting lack of strong operational improvement

AI Fair Value Estimate

Based on comprehensive analysis

$94.5

+25.2% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Value Trap Potential

Key drivers: Deep valuation discount, Poor technical momentum, Stable but not strong financial health

Confidence

80%

Value

90/100

P/E 11.23, Graham Number $92.35

Positives

Price is well below Graham Number
Low P/E and P/B ratios

Watchpoints

Market is not currently recognizing the intrinsic value

Future

65/100

Growth rates show YoY strength but Q/Q volatility

Positives

19.9% YoY earnings growth

Watchpoints

Recent Q/Q EPS drop of 23.2%

Past

75/100

Long-term price appreciation is strong

Positives

Strong 5Y change of +93.2%

Watchpoints

Inconsistent earnings surprises in the last 4 quarters

Health

50/100

Piotroski F-Score: 4/9

Positives

Piotroski score in the 'Stable' range

Watchpoints

F-Score of 4/9 is not indicative of a high-quality turnaround or strength

Dividend

70/100

Yield 2.62%, Payout 26.85%

Positives

Low payout ratio (26.85%) ensures safety

Watchpoints

Yield (2.62%) is modest for a regional bank

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$75.47

Analyst Target

$75.0

Upside/Downside

-0.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RBCAA and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
RBCAA Republic Bancorp, Inc. Primary	+93.2%	+108.0%	+20.8%	+7.7%	+12.3%	+1.2%
GSHD Goosehead Insurance, Inc. Peer	-56.0%	-19.3%	-63.5%	-41.0%	-8.3%	-4.6%
BTT Blackrock Municipal 2030 Target Term Trust Peer	+1.3%	+10.1%	+11.1%	+3.8%	+1.3%	-0.8%
DCOM Dime Community Bancshares, Inc. Peer	+29.1%	+80.4%	+42.2%	+14.2%	+7.7%	+4.0%
QQQX Nuveen Nasdaq 100 Dynamic Overwrite Fund Peer	+52.1%	+57.4%	+43.7%	+12.2%	+7.7%	+3.9%

RBC

Republic Bancorp, Inc.

Primary

+93.2%

+108.0%

+20.8%

+7.7%

+12.3%

+1.2%

GSH

Goosehead Insurance, Inc.

Peer

-56.0%

-19.3%

-63.5%

-41.0%

-8.3%

-4.6%

BTT

Blackrock Municipal 2030 Target Term Trust

Peer

+1.3%

+10.1%

+11.1%

+3.8%

+1.3%

-0.8%

DCO

Dime Community Bancshares, Inc.

Peer

+29.1%

+80.4%

+42.2%

+14.2%

+7.7%

+4.0%

QQQ

Nuveen Nasdaq 100 Dynamic Overwrite Fund

Peer

+52.1%

+57.4%

+43.7%

+12.2%

+7.7%

+3.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

11.23

12.06

1.27

1.34

3.83

4.9

N/A

$1.48B

Profitability

Profit margins and return metrics

Profit Margin 34.03%

Operating Margin 33.67%

Gross Margin N/A

ROE 12.54%

ROA 1.89%

Growth

Revenue and earnings growth rates

Revenue Growth +10.0%

Earnings Growth +19.9%

Q/Q Revenue Growth +5.39%

Q/Q Earnings Growth +20.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$11.55

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

24.6%

Total Assets

$7.0B

Liabilities

$5.9B

Equity

$1.1B

Debt/Equity

5.39x

Operating CF

$0.0B

Free Cash Flow

$0.0B

FCF Yield

101%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-01

$N/A

2026-01-30

$1.16

-11.8% surprise

2025-10-17

$1.51

+7.2% surprise

2025-07-18

$1.58

+10.0% surprise

Financial Services Sector Comparison

Comparing RBCAA against 500 companies in the Financial Services sector (90 bullish, 207 neutral, 203 bearish)

P/E Ratio

11.23

This Stock

45.14

Sector Avg

-75.1% (Discount)

Return on Equity (ROE)

12.54%

This Stock

-0.0%

Sector Avg

-292611.2% (Below Avg)

Profit Margin

34.03%

This Stock

48.63%

Sector Avg

-30.0% (Weaker)

Revenue Growth

10.0%

This Stock

36.71%

Sector Avg

-72.8% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
RBCAA Republic Bancorp, Inc.	NEUTRAL	$1.48B	11.23	12.5%	34.0%	$75.47
GSHD Goosehead Insurance, Inc.	BEARISH	$1.48B	38.93	-%	7.6%	$40.49	Compare
BTT Blackrock Municipal 2030...	NEUTRAL	$1.48B	24.82	3.5%	66.0%	$22.59	Compare
DCOM Dime Community Bancshares, Inc.	NEUTRAL	$1.51B	14.58	7.7%	27.0%	$34.41	Compare
QQQX Nuveen Nasdaq 100 Dynamic...	NEUTRAL	$1.44B	7.88	-%	-%	$29.56	Compare

RBCAA Republic Bancorp, Inc.

NEUTRAL

Mkt Cap

$1.5B

P/E

11.2

ROE

12.5%

Price

$75.47

Compare with RBCAA

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DCOM Dime Community...

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QQQX Nuveen Nasdaq...

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Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-10	SIPES KEVIN D	Chief Financial Officer	Option Exercise	5,376	$229,770
2026-03-31	HOWELL HEATHER V	Director	Stock Award	141	$10,000
2026-03-31	STARKE JEFF	Chief Technology Officer	Stock Award	65	$4,616
2026-03-31	AMES CHRISTY	General Counsel	Stock Award	65	$4,616
2026-03-31	GREEN JENNIFER N	Director	Stock Award	92	$6,500
2026-03-31	RAVICHANDRAN VIDYA	Director	Stock Award	184	$13,000
2026-03-31	CANNON YOANIA	Director	Stock Award	184	$13,000
2026-03-31	VANALLEN CHERYL	Officer	Stock Award	65	$4,616
2026-03-31	NARDI SCOTT	Officer	Stock Award	63	$4,500
2026-03-31	VOGT MARK A	Director	Stock Award	226	$16,000
2026-03-31	SIPES KEVIN D	Chief Financial Officer	Stock Award	65	$4,616
2026-03-31	PICHEL LOGAN M.	Officer and Director	Stock Award	81	$5,769
2026-03-31	MULLOY WILLIAM PATRICK II	Director	Stock Award	148	$10,500
2026-03-31	POWELL ANTHONY T	Officer	Stock Award	65	$4,616
2026-03-31	MONTANO JUAN M	Officer	Stock Award	65	$4,616

SIPES KEVIN D

Chief Financial Officer

Option Exercise

2026-04-10

5,376 shares · $229,770

HOWELL HEATHER V

Director

Stock Award

2026-03-31

141 shares · $10,000

STARKE JEFF

Chief Technology Officer

Stock Award

2026-03-31

65 shares · $4,616

AMES CHRISTY

General Counsel

Stock Award

2026-03-31

65 shares · $4,616

GREEN JENNIFER N

Director

Stock Award

2026-03-31

92 shares · $6,500

RAVICHANDRAN VIDYA

Director

Stock Award

2026-03-31

184 shares · $13,000

CANNON YOANIA

Director

Stock Award

2026-03-31

184 shares · $13,000

VANALLEN CHERYL

Officer

Stock Award

2026-03-31

65 shares · $4,616

NARDI SCOTT

Officer

Stock Award

2026-03-31

63 shares · $4,500

VOGT MARK A

Director

Stock Award

2026-03-31

226 shares · $16,000

SIPES KEVIN D

Chief Financial Officer

Stock Award

2026-03-31

65 shares · $4,616

PICHEL LOGAN M.

Officer and Director

Stock Award

2026-03-31

81 shares · $5,769

MULLOY WILLIAM PATRICK II

Director

Stock Award

2026-03-31

148 shares · $10,500

POWELL ANTHONY T

Officer

Stock Award

2026-03-31

65 shares · $4,616

MONTANO JUAN M

Officer

Stock Award

2026-03-31

65 shares · $4,616

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-03-13

RBCAA filed a Definitive Proxy Statement on March 13, 2026, providing shareholders with necessary information and voting materials for an upcoming meeting.

10-K

2026-03-06

Republic Bancorp, Inc. is a Kentucky-based financial holding company operating through five reportable segments categorized as "Core Bank" (Traditional Banking and Warehouse Lending) and "RPG operations." While specific financial figures were not provided in the excerpts, the company utilizes income before income tax as its primary measure of segment performance. Investment risks include general banking industry volatility and the potential for a decline in the market price of its Class A common stock.

8-K

2026-02-24

RBCAA filed an 8-K on February 24, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

2026-01-30

RBCAA filed a Form 8-K on January 30, 2026, likely to announce its quarterly or annual financial results.

8-K

2026-01-21

RBCAA filed a current report on January 21, 2026, likely announcing its year-end financial results.

8-K

2025-12-22

8-K

2025-11-19

10-Q

2025-11-06

RBCAA filed its 10-Q on November 6, 2025. Due to the limited content provided in the excerpts, specific financial highlights and detailed risk factors are unavailable.

8-K

2025-10-17

10-Q

2025-08-07

RBCAA filed its 10-Q on August 7, 2025. The provided excerpts do not contain specific financial highlights or detailed risk factors.

8-K

2025-07-18

8-K

2025-07-16

8-K

2025-05-21

10-Q

2025-05-08

8-K

2025-04-28

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning RBCAA from our newsroom.

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RBCAA

RBCAA Republic Bancorp, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

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