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RBCAA logo RBCAA
Upturn stock ratingUpturn stock rating
RBCAA logo

Republic Bancorp Inc (RBCAA)

Upturn stock ratingUpturn stock rating
$72.83
Last Close (24-hour delay)
Profit since last BUY6.8%
upturn advisory
Consider higher Upturn Star rating
BUY since 42 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

06/27/2025: RBCAA (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$69Target price
Low$49.53
Current$72.83
high$79.14

Analysis of Past Performance

Type Stock
Historic Profit 16.3%
Avg. Invested days 33
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.42B USD
Price to earnings Ratio 12.04
1Y Target Price 69
Price to earnings Ratio 12.04
1Y Target Price 69
Volume (30-day avg) 1
Beta 0.53
52 Weeks Range 49.53 - 79.14
Updated Date 06/30/2025
52 Weeks Range 49.53 - 79.14
Updated Date 06/30/2025
Dividends yield (FY) 2.48%
Basic EPS (TTM) 6.05

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
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 12.04
Forward PE -
Enterprise Value 1127188992
Price to Sales(TTM) 3.96
Enterprise Value 1127188992
Price to Sales(TTM) 3.96
Enterprise Value to Revenue 4.64
Enterprise Value to EBITDA -
Shares Outstanding 17374700
Shares Floating 9610705
Shares Outstanding 17374700
Shares Floating 9610705
Percent Insiders 51.9
Percent Institutions 28.6

Analyst Ratings

Rating 1
Target Price 69
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Republic Bancorp Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 981

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.