Republic Bancorp, Inc. logo

Republic Bancorp, Inc.

RBCAA

NASDAQFinancial ServicesBanks - Regional

Regular session

$95.27

+$0.91 · +0.96%

Aug 24, 11:16 AM ET

RBCAA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

66

Undervalued

Momentum

59

Neutral

Sentiment

62

Bullish

Risk resilience

76

Moderate Risk

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Company profile

Company website

Republic Bancorp, Inc., a financial holding company established in Louisville, Kentucky in 1974, provides a comprehensive suite of banking products and services throughout the United States. Its operations are strategically divided into five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The institution accepts a variety of deposits, including demand, money market, savings, individual retirement accounts, and various types of certificates of deposit. Its lending portfolio is extensive, featuring residential and commercial real estate loans, construction and land development financing, home improvement and equity loans, as well as secured and unsecured personal loans and aircraft financing. Beyond core banking, Republic Bancorp also offers credit cards, title insurance, and an array of sophisticated services such as memory banking, private banking, lockbox processing, remote deposit capture, and robust online and mobile banking solutions for businesses. Specialized services include providing short-term and revolving credit facilities for mortgage bankers, facilitating the processing and payment of federal and state tax refunds through partnerships with tax preparers and software companies, and distributing general purpose reloadable prepaid cards via third-party providers. Additionally, the company delivers consumer credit products and property and casualty insurance. As of January 28, 2022, Republic Bancorp operated 42 full-service banking locations.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Steven E. Trager
Listed since
Jul 22, 1998
Employees
973

Market position

Day range

Current $95.27

52-week range

Current $95.27

Open
$94.35
Previous close
$94.36
Volume
24.6K
0.25× average
Average volume
98.11K
Average daily volume
Market cap
1.66B USD
Beta
0.56
Market reference 1
50-day average
$92.583
+2.90% above average
200-day average
$77.3847
+23.11% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.77B USD
P/E (TTM)
14.62×
P/B (TTM)
1.63×
P/S (TTM)
3.29×
EV / EBITDA
9.81×
Earnings yield
9.64%
Free cash flow yield
11.83%
Dividend yield
1.99%

Profitability & efficiency

Gross margin
75.85%
Operating margin
33.65%
Net margin
25.36%
Return on equity
11.91%
Return on assets
1.86%
Return on invested capital
1.86%

Financial health

Debt / equity
0.22×
Current ratio
0.68×
Altman Z-score
0.57
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%71%42%13%Gross margin, FY2021: 93.40%Gross margin, FY2022: 90.56%Gross margin, FY2023: 72.74%Gross margin, FY2024: 64.94%Gross margin, FY2025: 74.02%Operating margin, FY2021: 35.95%Operating margin, FY2022: 36.95%Operating margin, FY2023: 26.86%Operating margin, FY2024: 25.55%Operating margin, FY2025: 31.79%Net margin, FY2021: 28.26%Net margin, FY2022: 28.81%Net margin, FY2023: 21.44%Net margin, FY2024: 20.28%Net margin, FY2025: 25.19%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.40%. Gross margin FY2022 90.56%. Gross margin FY2023 72.74%. Gross margin FY2024 64.94%. Gross margin FY2025 74.02%. Operating margin FY2021 35.95%. Operating margin FY2022 36.95%. Operating margin FY2023 26.86%. Operating margin FY2024 25.55%. Operating margin FY2025 31.79%. Net margin FY2021 28.26%. Net margin FY2022 28.81%. Net margin FY2023 21.44%. Net margin FY2024 20.28%. Net margin FY2025 25.19%.

Income trends

Revenue

521.34M USD+4.31%

Operating income

165.71M USD+29.76%

Net income

131.32M USD+29.54%
Income trends across reported periods564.71M USD391.22M USD217.73M USD44.24M USDRevenue, FY2021: 310.02M USDRevenue, FY2022: 316.22M USDRevenue, FY2023: 421.56M USDRevenue, FY2024: 499.79M USDRevenue, FY2025: 521.34M USDOperating income, FY2021: 111.44M USDOperating income, FY2022: 116.85M USDOperating income, FY2023: 113.21M USDOperating income, FY2024: 127.7M USDOperating income, FY2025: 165.71M USDNet income, FY2021: 87.61M USDNet income, FY2022: 91.11M USDNet income, FY2023: 90.37M USDNet income, FY2024: 101.37M USDNet income, FY2025: 131.32M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 310.02M USD. Revenue FY2022 316.22M USD. Revenue FY2023 421.56M USD. Revenue FY2024 499.79M USD. Revenue FY2025 521.34M USD. Operating income FY2021 111.44M USD. Operating income FY2022 116.85M USD. Operating income FY2023 113.21M USD. Operating income FY2024 127.7M USD. Operating income FY2025 165.71M USD. Net income FY2021 87.61M USD. Net income FY2022 91.11M USD. Net income FY2023 90.37M USD. Net income FY2024 101.37M USD. Net income FY2025 131.32M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue521.34M USD499.79M USD421.56M USD316.22M USD310.02M USD
Cost of goods sold135.44M USD175.21M USD114.91M USD29.84M USD20.47M USD
Gross profit385.9M USD324.58M USD306.65M USD286.38M USD289.55M USD
Selling, general, and administrative148.96M USD131.1M USD127.04M USD119.78M USD116.07M USD
Operating expenses220.19M USD196.88M USD193.43M USD169.54M USD178.11M USD
Interest income438.51M USD432.99M USD356.06M USD244.18M USD228.41M USD
Interest expense103.84M USD120.83M USD67.29M USD7.49M USD5.67M USD
Depreciation and amortization14.68M USD14.63M USD15.01M USD18.05M USD18.31M USD
Operating income165.71M USD127.7M USD113.21M USD116.85M USD111.44M USD
Net income131.32M USD101.37M USD90.37M USD91.11M USD87.61M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 4 misses, 0 met estimates
Average EPS surprise
+8.59%
11 comparable reports
Latest EPS result
1.68
Estimate 1.55 · Beat by 8.39%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.541.981.420.86Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 0.98, estimate 1.2, surprise -18.33%, Miss. Q2 2025, reported Apr 24, 2025: actual 2.42, estimate 1.86, surprise +30.11%, Beat. Q3 2025, reported Jul 18, 2025: actual 1.61, estimate 1.44, surprise +11.81%, Beat. Q4 2025, reported Oct 17, 2025: actual 1.52, estimate 1.41, surprise +7.80%, Beat. Q1 2026, reported Jan 30, 2026: actual 1.17, estimate 1.3, surprise -10.00%, Miss. Q2 2026, reported Apr 23, 2026: actual 2.18, estimate 1.84, surprise +18.48%, Beat. Q3 2026, reported Jul 24, 2026: actual 1.68, estimate 1.55, surprise +8.39%, Beat. Q4 2026, reported Oct 16, 2026: actual —, estimate 1.63, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates139.57M116.06M92.55M69.03MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 89.5M USD, estimate 126.3M USD, surprise -29.14%, Miss. Q2 2025, reported Apr 24, 2025: actual 134.21M USD, estimate 126.9M USD, surprise +5.76%, Beat. Q3 2025, reported Jul 18, 2025: actual 92.36M USD, estimate 93.25M USD, surprise -0.96%, Miss. Q4 2025, reported Oct 17, 2025: actual 91.9M USD, estimate 92.5M USD, surprise -0.65%, Miss. Q1 2026, reported Jan 30, 2026: actual 74.4M USD, estimate 92.55M USD, surprise -19.61%, Miss. Q2 2026, reported Apr 23, 2026: actual 79M USD, estimate 110.1M USD, surprise -28.25%, Miss. Q3 2026, reported Jul 24, 2026: actual 101.27M USD, estimate 97.6M USD, surprise +3.76%, Beat. Q4 2026, reported Oct 16, 2026: actual —, estimate 101.1M USD, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Mar 21, 2007

21:20

Stock split

Effective Mar 22, 2006

21:20

Stock split

Effective Mar 22, 2005

21:20

Stock split

Effective Mar 26, 2004

21:20

RBCAA peers

ETFs holding RBCAA

Funds reporting this stock among their holdings, ordered by reported position size.

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