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Upturn AI Summary - About
Republic Bancorp Inc(RBCAA)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RBCAA
10/23/2026: RBCAA (1-star) is currently NOT-A-BUY. Pass it for now.
Republic Bancorp Inc is a regional bank and financial services firm known for its traditional lending and specialized, national tax-related financial solutions. Its business model benefits from diversified revenue streams, particularly the seasonal income provided by its tax division. The main investment story centers on its ability to leverage its regional banking stability alongside unique fintech-integrated niche markets. Investors face primary risks regarding interest rate volatility, regional economic health, and regulatory oversight of its tax business. The stock may best suit value and dividend-focused investors looking for steady income; key developments to monitor include interest rate trends and regulatory updates affecting the tax refund industry.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers steady growth but is not a hyper-growth tech-style investment. |
| Momentum investor | Weak fit | Banking stocks generally move based on macro trends rather than rapid momentum signals. |
| Value investor | Strong fit | Republic Bancorp often trades at valuations reflective of its solid asset quality and consistent earnings. |
| Dividend investor | Strong fit | The company has a long history of paying dividends, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While conservative, the bank is still subject to the inherent cyclical risks of the regional banking industry. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macro-economic shifts and interest rate cycles. |
| Valuation risk | Low | The stock typically trades at reasonable multiples relative to book value and earnings. |
| Competition risk (Regional Banking) | Medium / high | Intense pressure from larger banks with more extensive product ecosystems. |
| Business quality | Medium | The firm maintains a solid reputation and conservative underwriting standards. |
| Dividend income | Strong | Consistent dividend payments provide a reliable income stream for investors. |
| Execution risk | Medium | Success depends on managing specialized niches alongside traditional banking operations. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 24.54% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.80B USD | Price to earnings Ratio 14.01 | 1Y Target Price 95 |
Price to earnings Ratio 14.01 | 1Y Target Price 95 | ||
Volume (30-day avg) 106.6K shares | Beta 0.57 | 52 Weeks Range 62.42 - 101.68 | Updated Date 10/25/2026 |
52 Weeks Range 62.42 - 101.68 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 2.23% | Basic EPS (TTM) 6.54 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Traditional Banking | Interest income from loans and fee-based services for retail and business clients. | The bank earns money by lending out deposits at higher rates than it pays to savers. |
| Tax Refund Solutions | Technology and financial services provided to the professional tax preparation industry. | This is a seasonal business that generates fees during tax season, adding a unique revenue stream. |
| Geography | Concentrated in Kentucky and Southern Indiana with national tax services. | Performance is tied to regional economic health in the Midwest and national tax filing trends. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-23 | When Before Market | Estimate 1.66 | Actual 1.59 |
Profitability
Profit Margin 33.65% | Operating Margin (TTM) 43.24% |
Management Effectiveness
Return on Assets (TTM) 1.84% | Return on Equity (TTM) 11.5% |
Valuation
Trailing PE 14.01 | Forward PE 14.16 | Enterprise Value 1.64B | Price to Sales(TTM) 4.68 |
Enterprise Value 1.64B | Price to Sales(TTM) 4.68 | ||
Enterprise Value to Revenue 5.05 | Enterprise Value to EBITDA - | Shares Outstanding 17.50M | Shares Floating 9.02M |
Shares Outstanding 17.50M | Shares Floating 9.02M | ||
Percent Insiders 51.52 | Percent Institutions 33.16 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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