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Upturn AI SWOT - About
RBCAA 
Republic Bancorp Inc (RBCAA)
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Upturn Advisory Summary
07/10/2025: 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 $69
1 Year Target Price $69
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 20.28% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.47B USD | Price to earnings Ratio 12.45 | 1Y Target Price 69 |
Price to earnings Ratio 12.45 | 1Y Target Price 69 | ||
Volume (30-day avg) 1 | Beta 0.53 | 52 Weeks Range 53.51 - 79.14 | Updated Date 07/11/2025 |
52 Weeks Range 53.51 - 79.14 | Updated Date 07/11/2025 | ||
Dividends yield (FY) 2.47% | Basic EPS (TTM) 6.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-18 | When Before Market | Estimate 1.44 | Actual - |
Profitability
Profit Margin 32.88% | Operating Margin (TTM) 51.44% |
Management Effectiveness
Return on Assets (TTM) 1.69% | Return on Equity (TTM) 11.98% |
Valuation
Trailing PE 12.45 | Forward PE - | Enterprise Value 1132656000 | Price to Sales(TTM) 4.09 |
Enterprise Value 1132656000 | Price to Sales(TTM) 4.09 | ||
Enterprise Value to Revenue 4.77 | Enterprise Value to EBITDA - | Shares Outstanding 17374700 | Shares Floating 9610705 |
Shares Outstanding 17374700 | Shares Floating 9610705 | ||
Percent Insiders 51.9 | Percent Institutions 28.62 |
Upturn AI SWOT
Republic Bancorp Inc
Company Overview
History and Background
Republic Bancorp Inc. was founded in 1981 and has grown through strategic acquisitions and organic expansion to become a regional bank with a focus on community banking and specialized lending.
Core Business Areas
- Traditional Banking: Provides deposit accounts, loans, and other traditional banking services to individuals and businesses. Includes checking accounts, savings accounts, mortgages, and commercial loans.
- Warehouse Lending: Offers short-term loans to mortgage companies to fund the origination of mortgages, which is their specialty.
- Private Banking: Offers specialized financial services and advice to high-net-worth individuals.
- Trust and Investment Services: Provides trust and investment management services to individuals, families, and institutions.
Leadership and Structure
Republic Bancorp Inc. has a Board of Directors that provides strategic oversight. The executive leadership team includes the CEO, CFO, and other key officers responsible for managing various business segments.
Top Products and Market Share
Key Offerings
- Mortgage Warehouse Lending: Short-term loans to mortgage companies to fund mortgage originations. Republic Bank has a significant market share in this niche segment, with an estimated market share of 1.0-2.0% nationally. Competitors include Texas Capital Bancshares (TCBI) and Flagstar Bancorp (prior to NYCB acquisition). Revenue not explicitly stated, but a significant portion of total revenue.
- Traditional Lending: Mortgages, Home Equity Loans, and Commercial Real Estate Loans - Market share is dependent on local market conditions.
- Checking and Savings Accounts: Traditional retail banking products. Market share varies by location and competitor concentration. Key competitors are national and regional banks like Fifth Third Bancorp (FITB) and PNC Financial Services (PNC). Revenue contribution included within general banking services revenue.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is ongoing in the community banking sector.
Positioning
Republic Bancorp Inc. is a regional bank that emphasizes community banking and specialized lending. Their strength is in the mortgage warehouse lending business and community ties.
Total Addressable Market (TAM)
The TAM for banking services in the US is in the trillions of dollars. Republic Bancorp Inc. is a relatively small player and is positioned to benefit from consolidation within the community banking market and continued demand for specialized lending solutions.
Upturn SWOT Analysis
Strengths
- Strong presence in key markets
- Specialized expertise in mortgage warehouse lending
- Solid financial performance and profitability
- Experienced management team
- Strong community ties
Weaknesses
- Limited geographic diversification
- Reliance on mortgage warehouse lending sector, cyclical market
- Higher than average non-performing assets compared to peers
- Higher operating expenses as a percentage of revenue than peers
Opportunities
- Expansion into new geographic markets
- Acquisitions of other community banks
- Growth in wealth management and private banking services
- Increased demand for specialized lending solutions
- Leveraging technology to improve efficiency and customer experience
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and economic slowdown
- Regulatory changes and compliance costs
- Credit risk in the loan portfolio
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- FITB
- PNC
- TCBI
- NYCB
Competitive Landscape
Republic Bancorp Inc. competes with larger national and regional banks, as well as smaller community banks. Their competitive advantages include specialized lending expertise, strong community ties, and a focus on customer service. Their disadvantages include limited geographic diversification and less brand recognition than larger competitors.
Major Acquisitions
Founders Federal Bancorp
- Year: 2021
- Acquisition Price (USD millions): 28.4
- Strategic Rationale: To expand Republic Bank's presence in the Louisville, Kentucky market.
Growth Trajectory and Initiatives
Historical Growth: Republic Bancorp Inc. has grown through organic expansion and strategic acquisitions. Growth rates have been moderate, reflecting the conservative nature of the banking industry.
Future Projections: Future growth is expected to be driven by expansion into new markets, growth in specialized lending, and continued strength in core banking operations. Analyst estimates for future growth vary widely depending on macroeconomic conditions.
Recent Initiatives: Recent strategic initiatives may include investments in technology, branch expansions, and acquisitions of smaller banks.
Summary
Republic Bancorp Inc. is a stable regional bank with a strong presence in its key markets, particularly with its mortgage warehouse lending. It benefits from community ties and specialized expertise, but must manage risk with its reliance on the mortgage industry and higher operational costs. Opportunities lie in geographic expansion and wealth management, while threats include competition from larger banks and economic downturns. While financially sound, the stock is very exposed to any shock to the banking sector and may be the most volatile in the sector
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q), Investor Presentations, News Articles, Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered investment advice. Market share data is estimated and may not be precise.
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 981 | Website https://www.republicbank.com |
Full time employees 981 | 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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