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Upturn AI SWOT - About
RBCAA 
Republic Bancorp Inc (RBCAA)
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Upturn Advisory Summary
08/28/2025: RBCAA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $78
1 Year Target Price $78
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.14% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.50B USD | Price to earnings Ratio 12.08 | 1Y Target Price 78 |
Price to earnings Ratio 12.08 | 1Y Target Price 78 | ||
Volume (30-day avg) 1 | Beta 0.57 | 52 Weeks Range 56.42 - 79.14 | Updated Date 08/29/2025 |
52 Weeks Range 56.42 - 79.14 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.23% | Basic EPS (TTM) 6.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.67% | Operating Margin (TTM) 44.69% |
Management Effectiveness
Return on Assets (TTM) 1.83% | Return on Equity (TTM) 12.34% |
Valuation
Trailing PE 12.08 | Forward PE - | Enterprise Value 1498431744 | Price to Sales(TTM) 4.07 |
Enterprise Value 1498431744 | Price to Sales(TTM) 4.07 | ||
Enterprise Value to Revenue 4.76 | Enterprise Value to EBITDA - | Shares Outstanding 17381600 | Shares Floating 9610776 |
Shares Outstanding 17381600 | Shares Floating 9610776 | ||
Percent Insiders 51.9 | Percent Institutions 29.09 |
Upturn AI SWOT
Republic Bancorp Inc
Company Overview
History and Background
Republic Bancorp Inc. was founded in 1981 and is headquartered in Louisville, Kentucky. It has grown through acquisitions and organic expansion, focusing on community banking and specialized lending services.
Core Business Areas
- Traditional Banking: Provides a full range of banking services, including deposit accounts, loans, and wealth management to individuals and businesses.
- Warehouse Lending: Offers mortgage warehouse lending solutions to independent mortgage companies.
- Tax Refund Solutions: Provides tax refund-related financial products and services through its Republic Bank & Trust Company division.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The organizational structure includes various departments such as retail banking, commercial banking, and wealth management. Board of directors provides oversight.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share for community banks is fragmented, varies by geography, and is highly competitive. Competitors include national banks, regional banks, and credit unions.
- Commercial Loans: Provides loans to businesses for various purposes. Market share is highly competitive and depends on specific market. Competitors include JPMorgan Chase, Wells Fargo, and other regional banks.
- Mortgage Warehouse Lending: Offers short-term financing to mortgage originators. Market share data is limited; specialized niche market. Competitors include Flagstar Bank and other specialized lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, technological disruption, and fluctuating interest rates. Community banks are challenged by larger institutions and fintech companies.
Positioning
Republic Bancorp Inc. positions itself as a community bank with a strong focus on relationship banking and specialized lending niches.
Total Addressable Market (TAM)
The US banking market is vast. Republic Bancorp Inc. focuses on regional markets and specialized lending. TAM for regional banking and warehouse lending is substantial, with opportunities for growth. They are positioned for regional growth
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Experienced management team
- Good asset quality
- Effective risk management
Weaknesses
- Limited geographic reach compared to larger banks
- Higher cost structure than fintech competitors
- Reliance on traditional banking practices
- Dependence on regional economic conditions
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Growth in specialized lending segments
- Increased demand for community banking services
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- WFC
- USB
Competitive Landscape
Republic Bancorp Inc. faces intense competition from larger national banks and smaller regional players. Its strengths lie in its community focus and specialized lending expertise. Main advantage is specialization and personal service, which can be less efficient. National banks have economies of scale and better funding costs.
Major Acquisitions
DataTrust Solutions
- Year: 2022
- Acquisition Price (USD millions): 25
- Strategic Rationale: Expansion of tax refund solutions and technology capabilities.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by acquisitions and organic expansion, with a focus on specialized lending.
Future Projections: Analysts project continued growth, driven by expansion into new markets and increased demand for specialized lending services.
Recent Initiatives: Recent initiatives include investments in technology and expansion of its warehouse lending business.
Summary
Republic Bancorp Inc. is a stable regional bank with growth opportunities in specialized lending. Its focus on community banking provides a competitive advantage, but it faces challenges from larger institutions and fintech companies. Continued investment in technology and strategic acquisitions are crucial for long-term success. Maintaining asset quality and managing risk will be critical to ensure continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Industry reports
- News articles
- Analyst estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Republic Bancorp Inc
Exchange NASDAQ | Headquaters Louisville, KY, United States | ||
IPO Launch date 1998-07-22 | Executive Chairman & CEO Mr. Steven E. Trager | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 974 | Website https://www.republicbank.com |
Full time employees 974 | Website https://www.republicbank.com | ||
Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial loan, construction and land development, secured and unsecured personal loans, and aircraft loans; service charges on deposit accounts, debit and credit card interchange fee income, title insurance commissions; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and other services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; mortgage banking; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; prepaid and debit solutions, such as issuing of payroll, general purpose reloadable cards, issuing of demand deposit accounts, savings accounts and/or debit cards; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.
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