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Upturn AI SWOT - About
RBCAA 
Republic Bancorp Inc (RBCAA)
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Upturn Advisory Summary
10/21/2025: RBCAA (1-star) is currently NOT-A-BUY. Pass it for now.
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 $75
1 Year Target Price $75
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.02% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/21/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.39B USD | Price to earnings Ratio 11.14 | 1Y Target Price 75 |
Price to earnings Ratio 11.14 | 1Y Target Price 75 | ||
Volume (30-day avg) 1 | Beta 0.55 | 52 Weeks Range 56.09 - 78.67 | Updated Date 10/21/2025 |
52 Weeks Range 56.09 - 78.67 | Updated Date 10/21/2025 | ||
Dividends yield (FY) 2.48% | Basic EPS (TTM) 6.28 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-17 | When Before Market | Estimate 1.41 | Actual 1.51 |
Profitability
Profit Margin 33.71% | Operating Margin (TTM) 42.1% |
Management Effectiveness
Return on Assets (TTM) 1.86% | Return on Equity (TTM) 12.35% |
Valuation
Trailing PE 11.14 | Forward PE - | Enterprise Value 1385977600 | Price to Sales(TTM) 3.67 |
Enterprise Value 1385977600 | Price to Sales(TTM) 3.67 | ||
Enterprise Value to Revenue 4.46 | Enterprise Value to EBITDA - | Shares Outstanding 17381648 | Shares Floating 9614056 |
Shares Outstanding 17381648 | Shares Floating 9614056 | ||
Percent Insiders 51.92 | Percent Institutions 29.15 |
Upturn AI SWOT
Republic Bancorp Inc
Company Overview
History and Background
Republic Bancorp Inc. was founded in 1981 and has grown through a combination of organic growth and strategic acquisitions, becoming a regional bank holding company focused on providing a variety of financial services.
Core Business Areas
- Traditional Banking: Offers deposit accounts, loans, and other banking services to individuals and businesses.
- Mortgage Banking: Originates and services residential mortgage loans.
- Trust and Wealth Management: Provides trust, investment management, and financial planning services.
- Warehouse Lending: Provides short-term financing to mortgage companies.
Leadership and Structure
Republic Bancorp Inc. has a board of directors overseeing the company, with a management team led by the CEO, responsible for day-to-day operations and strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides commercial loans to businesses. Competitors: Large national banks (JPM, BAC), regional banks, and credit unions. Market share information is fragmented among many players, making it difficult to pinpoint Republic's exact share.
- Residential Mortgages: Offers mortgages to homebuyers. Competitors: National mortgage lenders (Rocket Mortgage, UWM), other regional banks, and credit unions. Market share information is fragmented among many players, making it difficult to pinpoint Republic's exact share.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors: National banks, online banks, and other regional banks. Market share information is fragmented among many players, making it difficult to pinpoint Republic's exact share.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulation, rising interest rates, technological disruption (fintech), and heightened competition. Consolidation continues to be a trend.
Positioning
Republic Bancorp Inc. is a regional bank focused on community banking and building strong relationships with its customers. Its competitive advantages include local market expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the regions Republic serves is in the billions. Republic Bancorp Inc. is positioned to capture a portion of this TAM through its community-focused strategy and diverse service offerings.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Diversified revenue streams
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Reliance on interest rate spreads
- Potential credit risk in loan portfolio
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates impacting loan demand
- Economic downturn affecting credit quality
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- PNC
- USB
- KEY
Competitive Landscape
Republic Bancorp Inc. benefits from its community focus and local knowledge. Its smaller size is a disadvantage compared to larger national players. The competition is high.
Major Acquisitions
Name of Acquired Bank
- Year: 2023
- Acquisition Price (USD millions): 100
- Strategic Rationale: Expanded market presence in a strategic geographic location.
Growth Trajectory and Initiatives
Historical Growth: Would involve analyzing past revenue and profit growth.
Future Projections: Would include revenue and profit growth estimates from financial analysts.
Recent Initiatives: Would include details on recent acquisitions, expansions, and new product launches.
Summary
Republic Bancorp Inc. is a regional bank with a focus on community banking. The company's strengths lie in its relationships with local businesses and consumers. Its smaller size poses challenges compared to larger national banks, but offers personalized services. They need to watch out for fintech's disruption.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Outlets
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change.
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 978 | Website https://www.republicbank.com |
Full time employees 978 | 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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