Republic Bancorp, Inc. (NASDAQ: RBCAA) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 15.26 | EPS (ttm) | 6.50 | Insider Own | 6.28% | Shs Outstand | 17.48M | Perf Week | -0.35% |
| Market Cap | 1.73B | Forward P/E | 14.38 | EPS next Y | 6.90 | Insider Trans | -0.39% | Shs Float | 8.93M | Perf Month | 12.08% |
| Enterprise Value | 1.64B | PEG | 8.86 | EPS next Q | 1.63 | Inst Own | - | Short Float | 4.51% | Perf Quarter | 29.12% |
| Income | 113.05M | P/S | 3.48 | EPS this Y | 166.29% | Inst Trans | - | Short Ratio | 4.28 | Perf Half Y | 33.30% |
| Sales | 498.08M | P/B | 1.70 | EPS next Y | -2.95% | ROA | 1.81% | Short Interest | 403.09K | Perf YTD | 43.77% |
| Book/sh | - | P/C | 14.07 | EPS next 5Y | -2.95% | ROE | 11.44% | 52W High | 100.39 -2.96% | Perf Year | 45.01% |
| Cash/sh | - | P/FCF | 13.09 | EPS past 3/5Y | 13.21% 10.69% | ROIC | 1.89% | 52W Low | 62.83 55.06% | Perf 3Y | 112.81% |
| Dividend Est. | 1.98 (2.03%) | EV/EBITDA | 9.38 | Sales past 3/5Y | 18.14% 9.23% | Gross Margin | 75.53% | Volatility | 2.32% 2.46% | Perf 5Y | 103.42% |
| Dividend TTM | 1.89 (1.94%) | EV/Sales | 3.28 | EPS Y/Y TTM | -48.46% | Oper. Margin | 34.10% | ATR (14) | 2.39 | Perf 10Y | 232.07% |
| Dividend Ex-Date | Sep 18, 2026 | Quick Ratio | 5.16 | Sales Y/Y TTM | 3.00% | Profit Margin | 25.70% | RSI (14) | 67.02 | Recom | 2.00 |
| Dividend Gr. 3/5Y | 9.77% 9.54% | Current Ratio | 5.16 | EPS Q/Q | 4.35% | SMA20 | 4.35% | Beta | 0.56 | Target Price | 51.00 |
| Payout | 20.36% | Debt/Eq | 0.22 | Sales Q/Q | 17.80% | SMA50 | 10.30% | Rel Volume | 0.68 | Prev Close | 99.19 |
| Employees | 973 | LT Debt/Eq | 0.25 | Earnings | Oct 16 | SMA200 | 30.60% | Avg Volume | 105.95K | Price | 97.42 |
| IPO Date | Jul 22, 1998 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 8.39% 3.76% | Net Debt/EBITDA | -0.56 | Volume | 72,321 | Change | -1.78% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jan-12-23 | Upgrade | Piper Sandler | Neutral → Overweight | $51 |
| Jul-25-22 | Downgrade | Piper Sandler | Overweight → Neutral | |
| Sep-21-12 | Downgrade | Hilliard Lyons | Buy → Neutral | |
| May-23-12 | Upgrade | Hilliard Lyons | Neutral → Buy |
Republic Bancorp, Inc., a financial holding company established in Louisville, Kentucky in 1974, provides a comprehensive suite of banking products and services throughout the United States. Its operations are strategically divided into five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The institution accepts a variety of deposits, including demand, money market, savings, individual retirement accounts, and various types of certificates of deposit. Its lending portfolio is extensive, featuring residential and commercial real estate loans, construction and land development financing, home improvement and equity loans, as well as secured and unsecured personal loans and aircraft financing. Beyond core banking, Republic Bancorp also offers credit cards, title insurance, and an array of sophisticated services such as memory banking, private banking, lockbox processing, remote deposit capture, and robust online and mobile banking solutions for businesses. Specialized services include providing short-term and revolving credit facilities for mortgage bankers, facilitating the processing and payment of federal and state tax refunds through partnerships with tax preparers and software companies, and distributing general purpose reloadable prepaid cards via third-party providers. Additionally, the company delivers consumer credit products and property and casualty insurance. As of January 28, 2022, Republic Bancorp operated 42 full-service banking locations.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 498 | 521 | 500 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 122 | 135 | 175 | — | — | — | — | — | — | |
| Gross Profit | 376 | 386 | 325 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 146 | 149 | 131 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 68 | 71 | 66 | — | — | — | — | — | — | |
| Operating Income | 170 | 166 | 128 | — | — | — | — | — | — | |
| Interest Expense | 96 | 104 | 121 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 90 | 104 | 121 | — | — | — | — | — | — | |
| Net Income Before Taxes | 164 | 166 | 128 | — | — | — | — | — | — | |
| Income Taxes | 36 | 34 | 26 | — | — | — | — | — | — | |
| Consolidated Net Income | 129 | 131 | 101 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 129 | 131 | 101 | — | — | — | — | — | — | |
| Net Income | 129 | 131 | 101 | — | — | — | — | — | — | |
| EPS (Recurring) | 6.50 | 6.65 | 5.21 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 6.50 | 6.65 | 5.21 | — | — | — | — | — | — | |
| EPS (Diluted) | 6.47 | 6.63 | 5.18 | — | — | — | — | — | — | |
| EBITDA | 174 | 180 | 142 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 15.06 | 10.41 | 13.49 | — | — | — | — | — | — | |
| Price To Sales Ratio | 3.91 | 2.65 | 2.66 | — | — | — | — | — | — | |
| Gross Margin | 75.50 | 74.09 | 65.00 | — | — | — | — | — | — | |
| Operating Margin | 34.14 | 31.86 | 25.60 | — | — | — | — | — | — | |
| Net Margin | 25.90 | 25.14 | 20.20 | — | — | — | — | — | — | |
| Shares Outstanding | 20 | 20 | 19 | — | — | — | — | — | — | |
| Market Capitalization | 1,948 | 1,380 | 1,328 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Ames Christy | EVP, GENERAL COUNSEL | Jun 11 '26 | Sale | 87.90 | 340 | 29,886 | 6,145 | Jun 12 |
| Powell Anthony T | EVP, CHIEF LENDING OFFICER | Jun 10 '26 | Sale | 83.54 | 3,000 | 250,613 | 24,691 | Jun 12 |
| Ames Christy | EVP, GENERAL COUNSEL | Apr 22 '26 | Option Exercise | 42.74 | 2,688 | 114,885 | 8,344 | Apr 24 |
| SIPES KEVIN D | EVP & CHIEF FINANCIAL OFFICER | Apr 10 '26 | Option Exercise | 42.74 | 5,376 | 229,770 | 80,723 | Apr 14 |
| Montano Juan | EVP, CHIEF MTG BANKING OFFICER | Mar 13 '26 | Option Exercise | 42.74 | 2,688 | 114,885 | 15,372 | Mar 16 |
| Sanchez Alejandro M | Director | Feb 26 '26 | Sale | 71.04 | 1,044 | 74,166 | 0 | Mar 02 |
| TRAGER SCOTT | VICE CHAIRMAN | Feb 26 '26 | Buy | 71.13 | 148 | 10,500 | 57,684 | Mar 02 |
| Powell Anthony T | EVP, CHIEF LENDING OFFICER | Feb 09 '26 | Option Exercise | 35.92 | 1,500 | 53,880 | 28,266 | Feb 10 |
| Nelson William R | PRESIDENT, RPG | Jan 16 '26 | Option Exercise | 42.74 | 5,376 | 229,770 | 38,133 | Jan 20 |
| PICHEL LOGAN | PRESIDENT & CEO, REPUBLIC BANK | Jan 02 '26 | Option Exercise | 42.74 | 21,505 | 919,124 | 76,901 | Jan 05 |
| Starke Jeff | EVP, CHIEF INFORMATION OFFICER | Dec 11 '25 | Sale | 73.31 | 137 | 10,043 | 5,773 | Dec 15 |
| Starke Jeff | EVP, CHIEF INFORMATION OFFICER | Dec 08 '25 | Option Exercise | 51.39 | 6,085 | 312,708 | 11,142 | Dec 10 |
| Powell Anthony T | EVP, CHIEF LENDING OFFICER | Dec 04 '25 | Option Exercise | 51.39 | 4,868 | 250,167 | 29,648 | Dec 08 |
| Ames Christy | EVP, GENERAL COUNSEL | Sep 15 '25 | Sale | 75.79 | 400 | 30,316 | 4,738 | Sep 17 |
| Montano Juan | EVP, CHIEF MTG BANKING OFFICER | Sep 11 '25 | Option Exercise | 35.92 | 1,500 | 53,880 | 12,185 | Sep 15 |