Republic Bancorp, Inc. RBCAA

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Price alert · RBCAA

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90.30 USD -1.41 -1.54%

At close · Oct 30

90.30 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
90.19 × 2
Ask
90.27 × 2
90.00 Day range 92.36
64.96 52-week range 100.64
YTD
+30.89%
1 year
+36.03%
Open
91.85
Prev close
91.71
Mkt cap
1.77B
Vol
110.86K
Avg vol
105.06K
EPS
6.61
P/E
13.66
Div yield
2.16%
More statistics
Low
90.00
High
92.36
Forward P/E
12.57
Beta
0.57
Short ratio
4.49
Inst. own
33.21%
Dividend
1.98
Ex-div date
Sep 17, 2026
Earnings
Jan 29, 2027
50-d avg
93.55
200-d avg
83.24
1y target
95.00

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Financial health

Altman Z-Score

-0.42 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 10.4×
FY 2016: 18.1×FY 2017: 17.4×FY 2018: 10.3×FY 2019: 10.6×FY 2020: 9.0×FY 2021: 12.0×FY 2022: 8.9×FY 2023: 12.0×FY 2024: 13.4×FY 2025: 10.4×
FY 2016 5y median 12.0× FY 2025
P/S 2.6×
FY 2016: 3.6×FY 2017: 2.9×FY 2018: 2.6×FY 2019: 2.8×FY 2020: 2.2×FY 2021: 3.4×FY 2022: 2.6×FY 2023: 2.6×FY 2024: 2.7×FY 2025: 2.6×
FY 2016 5y median 2.6× FY 2025
P/B 1.2×
FY 2016: 1.4×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 0.9×FY 2023: 1.2×FY 2024: 1.4×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/FCF 8.5×
FY 2016: 20.4×FY 2017: 12.2×FY 2018: 7.4×FY 2019: 10.6×FY 2020: 10.5×FY 2021: 11.0×FY 2022: 5.4×FY 2023: 10.6×FY 2024: 9.5×FY 2025: 8.5×
FY 2016 5y median 9.5× FY 2025
EV/EBITDA 9.8×
FY 2016: 19.9×FY 2017: 16.7×FY 2018: 14.2×FY 2019: 12.8×FY 2020: 6.9×FY 2021: 4.9×FY 2022: 6.3×FY 2023: 10.0×FY 2024: 10.3×FY 2025: 9.8×
FY 2016 5y median 9.8× FY 2025
EV/Sales 3.4×
FY 2016: 6.8×FY 2017: 5.4×FY 2018: 4.7×FY 2019: 4.6×FY 2020: 2.4×FY 2021: 2.1×FY 2022: 2.7×FY 2023: 3.0×FY 2024: 2.9×FY 2025: 3.4×
FY 2016 5y median 2.9× FY 2025
FCF Yield 11.8%
FY 2016: 4.9%FY 2017: 8.2%FY 2018: 13.5%FY 2019: 9.5%FY 2020: 9.6%FY 2021: 9.1%FY 2022: 18.6%FY 2023: 9.4%FY 2024: 10.5%FY 2025: 11.8%
FY 2016 5y median 10.5% FY 2025

Profitability

Gross Margin 74.0%
FY 2016: 85.7%FY 2017: 82.4%FY 2018: 80.5%FY 2019: 79.5%FY 2020: 84.7%FY 2021: 93.4%FY 2022: 90.6%FY 2023: 72.7%FY 2024: 64.9%FY 2025: 74.0%
FY 2016 5y median 74.0% FY 2025
Operating Margin 31.8%
FY 2016: 30.3%FY 2017: 28.7%FY 2018: 29.9%FY 2019: 33.0%FY 2020: 30.6%FY 2021: 35.9%FY 2022: 37.0%FY 2023: 26.9%FY 2024: 25.6%FY 2025: 31.8%
FY 2016 5y median 31.8% FY 2025
Net Margin 25.2%
FY 2016: 20.2%FY 2017: 16.7%FY 2018: 24.7%FY 2019: 26.7%FY 2020: 24.8%FY 2021: 28.3%FY 2022: 28.8%FY 2023: 21.4%FY 2024: 20.3%FY 2025: 25.2%
FY 2016 5y median 25.2% FY 2025
ROE 11.9%
FY 2016: 7.6%FY 2017: 7.2%FY 2018: 11.3%FY 2019: 12.0%FY 2020: 10.1%FY 2021: 10.5%FY 2022: 10.6%FY 2023: 9.9%FY 2024: 10.2%FY 2025: 11.9%
FY 2016 5y median 10.5% FY 2025
ROIC 1.9%
FY 2016: 2.8%FY 2017: 2.8%FY 2018: 4.4%FY 2019: 5.0%FY 2020: 5.8%FY 2021: 7.0%FY 2022: 7.0%FY 2023: 5.9%FY 2024: 6.2%FY 2025: 1.9%
FY 2016 5y median 6.2% FY 2025
ROA 1.9%
FY 2016: 1.0%FY 2017: 0.9%FY 2018: 1.5%FY 2019: 1.6%FY 2020: 1.3%FY 2021: 1.4%FY 2022: 1.6%FY 2023: 1.4%FY 2024: 1.5%FY 2025: 1.9%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue 4.3%
FY 2016: 21.9%FY 2017: 20.2%FY 2018: 15.3%FY 2019: 8.9%FY 2020: -2.4%FY 2021: -7.5%FY 2022: 2.0%FY 2023: 33.3%FY 2024: 18.6%FY 2025: 4.3%
FY 2016 FY 2025
Operating Income 29.8%
FY 2016: 29.5%FY 2017: 13.7%FY 2018: 20.3%FY 2019: 20.1%FY 2020: -9.3%FY 2021: 8.6%FY 2022: 4.8%FY 2023: -3.1%FY 2024: 12.8%FY 2025: 29.8%
FY 2016 FY 2025
EPS (diluted) 28.0%
FY 2016: 30.4%FY 2017: -0.9%FY 2018: 72.4%FY 2019: 17.4%FY 2020: -9.1%FY 2021: 6.8%FY 2022: 7.3%FY 2023: -0.4%FY 2024: 13.8%FY 2025: 28.0%
FY 2016 FY 2025
Free Cash Flow 12.5%
FY 2016: -9.1%FY 2017: 60.9%FY 2018: 67.3%FY 2019: -15.6%FY 2020: -22.2%FY 2021: 31.5%FY 2022: 60.1%FY 2023: -32.8%FY 2024: 40.9%FY 2025: 12.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.7×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.7×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.7×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.7×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.6×
FY 2016: 1.7×FY 2017: 1.6×FY 2018: 1.5×FY 2019: 1.3×FY 2020: 0.6×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 2.3×
FY 2016: 9.3×FY 2017: 7.7×FY 2018: 6.5×FY 2019: 4.9×FY 2020: 0.4×FY 2021: -3.1×FY 2022: 0.3×FY 2023: 1.5×FY 2024: 0.7×FY 2025: 2.3×
FY 2016 5y median 0.7× FY 2025
Interest Coverage 1.6×
FY 2016: 3.8×FY 2017: 3.9×FY 2018: 3.1×FY 2019: 2.5×FY 2020: 5.1×FY 2021: 19.7×FY 2022: 15.6×FY 2023: 1.7×FY 2024: 1.1×FY 2025: 1.6×
FY 2016 5y median 1.7× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 2.0%FY 2017: 2.2%FY 2018: 2.4%FY 2019: 2.2%FY 2020: 3.1%FY 2021: 2.4%FY 2022: 3.2%FY 2023: 2.6%FY 2024: 2.2%FY 2025: 2.5%
FY 2016 5y median 2.5% FY 2025
Payout Ratio 25.8%
FY 2016: 36.5%FY 2017: 38.7%FY 2018: 25.0%FY 2019: 23.3%FY 2020: 27.9%FY 2021: 28.2%FY 2022: 28.7%FY 2023: 31.4%FY 2024: 30.1%FY 2025: 25.8%
FY 2016 5y median 28.7% FY 2025

Annual · latest fiscal year ends 2025-12-31