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Upturn AI SWOT - About
RBCAA 
Republic Bancorp Inc (RBCAA)
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Upturn Advisory Summary
09/16/2025: 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 6.92% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.48B USD | Price to earnings Ratio 11.91 | 1Y Target Price 78 |
Price to earnings Ratio 11.91 | 1Y Target Price 78 | ||
Volume (30-day avg) 1 | Beta 0.59 | 52 Weeks Range 56.42 - 79.14 | Updated Date 09/16/2025 |
52 Weeks Range 56.42 - 79.14 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 2.26% | Basic EPS (TTM) 6.34 |
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 11.91 | Forward PE - | Enterprise Value 1469526528 | Price to Sales(TTM) 4.01 |
Enterprise Value 1469526528 | Price to Sales(TTM) 4.01 | ||
Enterprise Value to Revenue 4.7 | Enterprise Value to EBITDA - | Shares Outstanding 17381600 | Shares Floating 9610776 |
Shares Outstanding 17381600 | Shares Floating 9610776 | ||
Percent Insiders 51.9 | Percent Institutions 29.13 |
Upturn AI SWOT
Republic Bancorp Inc
Company Overview
History and Background
Republic Bancorp Inc. was founded in 1981. It has grown through a combination of organic expansion and strategic acquisitions, establishing a significant presence in select markets.
Core Business Areas
- Traditional Banking: Provides a range of deposit products, including checking accounts, savings accounts, and certificates of deposit. Offers lending services, including commercial loans, real estate loans, and consumer loans.
- Mortgage Banking: Originates, sells, and services mortgage loans. Generates revenue from loan origination fees and servicing fees.
- Trust and Wealth Management: Offers trust and wealth management services, including investment management, estate planning, and fiduciary services.
Leadership and Structure
Republic Bancorp Inc. is led by a board of directors and a senior management team. The organizational structure is designed to support its diverse business lines and regional operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, such as working capital, equipment financing, and real estate acquisition. Market share varies by region; competes with national and regional banks. Competitors include PNC Financial Services (PNC) and Fifth Third Bancorp (FITB).
- Residential Mortgages: Offers mortgage loans to individuals for purchasing or refinancing homes. Market share is influenced by interest rates and economic conditions; competes with national mortgage lenders. Competitors include Rocket Companies (RKT) and United Wholesale Mortgage (UWMC).
- Wealth Management Services: Provides personalized investment and financial planning services to high-net-worth individuals and families. Competes with national wealth management firms. Competitors include Morgan Stanley (MS) and Charles Schwab (SCHW).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increasing regulatory scrutiny, and rising competition from fintech companies. The industry is also adapting to changing customer preferences, with a greater emphasis on digital banking solutions.
Positioning
Republic Bancorp Inc. is positioned as a community-focused bank that offers a range of financial services. Its competitive advantages include its strong local presence, personalized customer service, and experienced management team.
Total Addressable Market (TAM)
The total addressable market for banking services is estimated to be in the trillions of dollars. Republic Bancorp Inc. is positioned to capture a portion of this market by focusing on specific geographic regions and customer segments.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified revenue streams
- Strong capital base
Weaknesses
- Limited geographic reach compared to national banks
- Dependence on interest rate spreads
- Exposure to credit risk
- Higher operating costs than larger banks
Opportunities
- Expansion into new markets
- Development of new products and services
- Acquisition of smaller banks
- Increased adoption of digital banking solutions
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- PNC
- FITB
- HBAN
Competitive Landscape
Republic Bancorp Inc. faces competition from larger national banks and smaller community banks. Its advantages include its local presence and personalized service, while its disadvantages include its limited geographic reach and higher operating costs.
Major Acquisitions
CBank
- Year: 2018
- Acquisition Price (USD millions): 41.3
- Strategic Rationale: Expanded presence in Cincinnati market.
Growth Trajectory and Initiatives
Historical Growth: Republic Bancorp Inc.'s historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth projections are dependent on analyst estimates and company guidance.
Recent Initiatives: Recent strategic initiatives may include expanding digital banking capabilities, entering new markets, or launching new products and services.
Summary
Republic Bancorp Inc. is a community-focused bank with a diversified revenue stream. Its strong local presence and experienced management team are key strengths. However, it faces competition from larger banks and fintech companies and needs to continue innovating and expanding its digital capabilities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, industry publications
- SEC.gov
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Investment decisions should be based on individual circumstances and the advice of a qualified financial advisor.
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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