
Republic Bancorp, Inc.
RBCAANASDAQFinancial ServicesBanks - Regional
Regular session
$95.27
+$0.91 · +0.96%
RBCAA company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
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 websiteRepublic 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 521.34M USD | 499.79M USD | 421.56M USD | 316.22M USD | 310.02M USD |
| Cost of goods sold | 135.44M USD | 175.21M USD | 114.91M USD | 29.84M USD | 20.47M USD |
| Gross profit | 385.9M USD | 324.58M USD | 306.65M USD | 286.38M USD | 289.55M USD |
| Selling, general, and administrative | 148.96M USD | 131.1M USD | 127.04M USD | 119.78M USD | 116.07M USD |
| Operating expenses | 220.19M USD | 196.88M USD | 193.43M USD | 169.54M USD | 178.11M USD |
| Interest income | 438.51M USD | 432.99M USD | 356.06M USD | 244.18M USD | 228.41M USD |
| Interest expense | 103.84M USD | 120.83M USD | 67.29M USD | 7.49M USD | 5.67M USD |
| Depreciation and amortization | 14.68M USD | 14.63M USD | 15.01M USD | 18.05M USD | 18.31M USD |
| Operating income | 165.71M USD | 127.7M USD | 113.21M USD | 116.85M USD | 111.44M USD |
| Net income | 131.32M USD | 101.37M USD | 90.37M USD | 91.11M USD | 87.61M 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
Revenue: actual versus estimate
Recent quarterly results
Corporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Mar 21, 2007 | 21:20 | — | — |
Stock split | Mar 22, 2006 | 21:20 | — | — |
Stock split | Mar 22, 2005 | 21:20 | — | — |
Stock split | Mar 26, 2004 | 21:20 | — | — |
Effective Mar 21, 2007
21:20
Effective Mar 22, 2006
21:20
Effective Mar 22, 2005
21:20
Effective Mar 26, 2004
21:20
RBCAA peers
ETFs holding RBCAA
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI50.73M0.00%2.3T USD0.03%$377.25-0.26%
Avantis U.S. Small Cap Value ETFAVUV31.18M0.10%31.27B USD0.25%$126.38-0.06%
iShares Russell 2000 ETFIWM20.81M0.03%81.62B USD0.19%$298.86-0.37%
U.S. Micro Cap Portfolio ETFDFMC14.02M0.18%8.06B USD0.43%$60.97610.00%
Vanguard Extended Market ETFVXF11M0.01%93.7B USD0.05%$244.11-0.58%
State Street SPDR S&P Regional Banking ETFKRE8.64M0.21%4.06B USD0.35%$75.02+0.21%
iShares Russell 2000 Value ETFIWN7.76M0.05%14.66B USD0.24%$224.92+0.05%
EA Bridgeway Omni Small-Cap Value ETFBSVO7.13M0.29%1.71B USD0.47%$29.645+0.08%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 50.73M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $377.25-0.26%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 31.18M
- Weight
- 0.10%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.38-0.06%
iShares Russell 2000 ETFIWM- Market value
- 20.81M
- Weight
- 0.03%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $298.86-0.37%
U.S. Micro Cap Portfolio ETFDFMC- Market value
- 14.02M
- Weight
- 0.18%
- AUM
- 8.06B USD
- Expense ratio
- 0.43%
- Price / 1D
- $60.97610.00%
Vanguard Extended Market ETFVXF- Market value
- 11M
- Weight
- 0.01%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $244.11-0.58%
State Street SPDR S&P Regional Banking ETFKRE- Market value
- 8.64M
- Weight
- 0.21%
- AUM
- 4.06B USD
- Expense ratio
- 0.35%
- Price / 1D
- $75.02+0.21%
iShares Russell 2000 Value ETFIWN- Market value
- 7.76M
- Weight
- 0.05%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.92+0.05%
EA Bridgeway Omni Small-Cap Value ETFBSVO- Market value
- 7.13M
- Weight
- 0.29%
- AUM
- 1.71B USD
- Expense ratio
- 0.47%
- Price / 1D
- $29.645+0.08%
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