Republic Bancorp (RBCAA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Republic Bancorp

NasdaqGS•Financial Services•Banks - Regional

$94.09-2.58(-0.03%)Pre-market

Market Cap

$1.86B

P/E

14.5x

P/S

4.5x

P/B

1.6x

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, CRE and multi-family, construction and land development, consumer, and aircraft loans; service charges on consumer and commercial deposit accounts, mortgage banking income, debit and credit card interchange fee income, title insurance commissions, and swap fee incomes; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, and automated clearing house processing services; internet banking services and products through its website; mobile banking; and other banking services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; 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; 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.

How this company scores

GoodMetricSide Score: 60/100

Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability23/25

Growth14/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality15/25

Strengths

Strong marginsCash-backed earningsProfit converts from growthConsistent growth

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.5x5y range 8.8x – 14.5x

Currently above its 20-quarter median.

P/S · 4.5x5y range 2.3x – 4.5x

Currently above its 20-quarter median.

P/B · 1.6x5y range 0.9x – 1.6x

Price & Volume

Market Cap $1.86B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $409.49M
Q. Revenue: $101.27M
TTM EBITDA: $91.87M
TTM Op. Income: $81.74M
Q. Op. Income: $22.98M
TTM Net Income: $128.00M
Q. Net Income: $32.87M
EPS: N/A
Shares Out.: $19.83M

$409.49M in TTM revenue grew 0.5% YoY, reaching $101.27M last quarter. TTM EBITDA of $91.87M and TTM operating income of $81.74M show growth is flowing through to the bottom line. TTM net income of $128.00M means revenue is converting into profit. Over the past year, TTM revenue is up 1% — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 79.4%
EBITDA Margin: 24.8%
Op. Margin: 22.7%
Net Margin: 32.5%

Op. margin of 22.7% is down 1.5% YoY — costs are rising relative to revenue. Net margin at 32.5% and gross margin of 79.4% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.5x
P/S Ratio: 4.5x
P/B Ratio: 1.6x

At 14.5x P/E, the stock trades below typical market levels. P/S of 4.5x and P/B of 1.6x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $7.06B
Cash: $354.09M
Long-Term Debt: N/A
Book Value: $1.16B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.08M
TTM Free Cash Flow: $132.35M
FCF Margin: 32.3%
FCF / Net Income: 1.0

TTM FCF of $132.35M on $1.08M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.