Republic Bancorp (RBCAA)
Market Price (2/16/2026): $72.495 | Market Cap: $1.4 BilSector: Financials | Industry: Regional Banks
Republic Bancorp (RBCAA)
Market Price (2/16/2026): $72.495Market Cap: $1.4 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 10% | Key risksRBCAA key risks include [1] challenges integrating the CBank acquisition to achieve expected synergies, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -46% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 37% | |
| Low stock price volatilityVol 12M is 26% | |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.0%, FCF Yield is 10% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -46% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 39%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 37% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Key risksRBCAA key risks include [1] challenges integrating the CBank acquisition to achieve expected synergies, Show more. |
Qualitative Assessment
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Republic Bancorp (RBCAA) stock has gained about 10% since 10/31/2025 because of the following key factors:
1. Zacks Rank Upgrade Signaling Improved Earnings Outlook: On November 27, 2025, Republic Bancorp (RBCAA) received an upgrade to a Zacks Rank #2 (Buy), reflecting a positive trend in its earnings estimates. This upgrade is typically viewed as a powerful indicator that can favorably impact a stock's price by signaling an improving underlying business trend.
2. Strong Fourth Quarter 2025 Revenue Exceeding Expectations: Despite an earnings per share (EPS) miss, Republic Bancorp reported robust financial results for the fourth quarter of 2025, with revenue of $94.27 million, surpassing the Zacks Consensus Estimate by 1.37%. The company's revenue net of interest expense also exceeded analyst forecasts, and it achieved a 20% increase in fourth-quarter net income compared to the previous year.
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1. Zacks Rank Upgrade Signaling Improved Earnings Outlook: On November 27, 2025, Republic Bancorp (RBCAA) received an upgrade to a Zacks Rank #2 (Buy), reflecting a positive trend in its earnings estimates. This upgrade is typically viewed as a powerful indicator that can favorably impact a stock's price by signaling an improving underlying business trend.
2. Strong Fourth Quarter 2025 Revenue Exceeding Expectations: Despite an earnings per share (EPS) miss, Republic Bancorp reported robust financial results for the fourth quarter of 2025, with revenue of $94.27 million, surpassing the Zacks Consensus Estimate by 1.37%. The company's revenue net of interest expense also exceeded analyst forecasts, and it achieved a 20% increase in fourth-quarter net income compared to the previous year.
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Stock Movement Drivers
Fundamental Drivers
The 10.4% change in RBCAA stock from 10/31/2025 to 2/15/2026 was primarily driven by a 9.3% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 65.50 | 72.30 | 10.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 401 | 406 | 1.3% |
| Net Income Margin (%) | 31.0% | 31.4% | 1.2% |
| P/E Multiple | 10.2 | 11.2 | 9.3% |
| Shares Outstanding (Mil) | 19 | 20 | -1.5% |
| Cumulative Contribution | 10.4% |
Market Drivers
10/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| RBCAA | 10.4% | |
| Market (SPY) | -0.0% | 17.4% |
| Sector (XLF) | -1.4% | 43.0% |
Fundamental Drivers
The 6.3% change in RBCAA stock from 7/31/2025 to 2/15/2026 was primarily driven by a 4.8% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 68.05 | 72.30 | 6.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 394 | 406 | 3.1% |
| Net Income Margin (%) | 29.9% | 31.4% | 4.8% |
| P/E Multiple | 11.4 | 11.2 | -1.5% |
| Shares Outstanding (Mil) | 20 | 20 | -0.1% |
| Cumulative Contribution | 6.3% |
Market Drivers
7/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| RBCAA | 6.3% | |
| Market (SPY) | 8.2% | 29.0% |
| Sector (XLF) | -1.1% | 52.0% |
Fundamental Drivers
The 13.3% change in RBCAA stock from 1/31/2025 to 2/15/2026 was primarily driven by a 14.1% change in the company's Net Income Margin (%).| (LTM values as of) | 1312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 63.80 | 72.30 | 13.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 371 | 406 | 9.5% |
| Net Income Margin (%) | 27.5% | 31.4% | 14.1% |
| P/E Multiple | 12.3 | 11.2 | -9.0% |
| Shares Outstanding (Mil) | 20 | 20 | -0.4% |
| Cumulative Contribution | 13.3% |
Market Drivers
1/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| RBCAA | 13.3% | |
| Market (SPY) | 14.3% | 41.7% |
| Sector (XLF) | 1.4% | 54.2% |
Fundamental Drivers
The 75.3% change in RBCAA stock from 1/31/2023 to 2/15/2026 was primarily driven by a 35.0% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312023 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 41.24 | 72.30 | 75.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 301 | 406 | 35.0% |
| Net Income Margin (%) | 30.0% | 31.4% | 4.7% |
| P/E Multiple | 9.1 | 11.2 | 22.9% |
| Shares Outstanding (Mil) | 20 | 20 | 0.9% |
| Cumulative Contribution | 75.3% |
Market Drivers
1/31/2023 to 2/15/2026| Return | Correlation | |
|---|---|---|
| RBCAA | 75.3% | |
| Market (SPY) | 74.0% | 38.8% |
| Sector (XLF) | 47.7% | 56.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| RBCAA Return | 45% | -17% | 39% | 30% | 1% | 5% | 131% |
| Peers Return | 47% | -2% | -7% | 26% | -2% | 10% | 83% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| RBCAA Win Rate | 75% | 25% | 58% | 58% | 58% | 50% | |
| Peers Win Rate | 65% | 43% | 42% | 55% | 52% | 100% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| RBCAA Max Drawdown | -1% | -23% | -6% | -14% | -13% | -1% | |
| Peers Max Drawdown | -2% | -17% | -33% | -12% | -17% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: SYBT, GABC, CTBI, LKFN, BY.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/13/2026 (YTD)
How Low Can It Go
| Event | RBCAA | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -33.1% | -25.4% |
| % Gain to Breakeven | 49.4% | 34.1% |
| Time to Breakeven | 654 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -41.5% | -33.9% |
| % Gain to Breakeven | 70.8% | 51.3% |
| Time to Breakeven | 170 days | 148 days |
| 2018 Correction | ||
| % Loss | -28.3% | -19.8% |
| % Gain to Breakeven | 39.4% | 24.7% |
| Time to Breakeven | 190 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -57.8% | -56.8% |
| % Gain to Breakeven | 137.0% | 131.3% |
| Time to Breakeven | 2,804 days | 1,480 days |
Compare to SYBT, GABC, CTBI, LKFN, BY
In The Past
Republic Bancorp's stock fell -33.1% during the 2022 Inflation Shock from a high on 11/8/2021. A -33.1% loss requires a 49.4% gain to breakeven.
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About Republic Bancorp (RBCAA)
Republic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit. Its loan products include residential real estate, commercial real estate, construction and land development, home improvement and home equity, secured and unsecured personal, and aircraft loans. The company also offers credit cards; title insurance and other financial products and services; and memory banking, private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it provides short-term and revolving credit facilities to mortgage bankers; 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; and general purpose reloadable prepaid cards through third party service providers. Further, the company offers consumer credit products; and property and casualty insurance products. As of January 28, 2022, it operated 42 full-service banking centers. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.
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Here are 1-3 brief analogies for Republic Bancorp (RBCAA):
- It's like a regional PNC Bank or U.S. Bank, serving communities across parts of the Midwest and Southeast.
- Think of it as a community-focused Fifth Third Bancorp or KeyBank for states like Kentucky, Indiana, Ohio, Tennessee, and Florida.
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- Deposit Services: Accepting various types of deposits from individuals and businesses, including checking, savings, money market, and certificates of deposit.
- Lending Services: Providing a range of loans to consumers and businesses, such as commercial loans, real estate loans (residential and commercial), and consumer loans.
- Mortgage Banking: Originating and servicing residential mortgage loans for homebuyers.
- Wealth Management & Trust Services: Offering investment management, financial planning, and trust administration services to individuals and institutions.
- Treasury Management Services: Providing cash management, payment processing, and other financial solutions for business clients.
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```htmlMajor Customers of Republic Bancorp (RBCAA)
Republic Bancorp (RBCAA) is a bank holding company. As such, it operates as a financial institution providing banking products and services rather than selling goods to a few major corporate customers.
Its customer base is primarily composed of a large number of individuals and businesses within its geographic operating markets (primarily Kentucky, Indiana, Florida, Tennessee, and Ohio). Therefore, it sells primarily to individuals and various categories of businesses, not typically to other companies as its "major customers" in the B2B sense.
Based on the nature of its business, the major categories of customers Republic Bancorp serves include:
- Individuals / Consumers: This category includes everyday people who utilize the bank for personal financial services such as checking accounts, savings accounts, certificates of deposit, mortgages, home equity loans, auto loans, and other personal lending products.
- Small to Medium-sized Businesses (SMBs): Businesses of various sizes that use Republic Bancorp for commercial checking and savings accounts, commercial real estate loans, business loans, lines of credit, equipment financing, and treasury management services.
- Commercial Real Estate Developers and Investors: A specialized segment of business customers focused on commercial real estate lending for the acquisition, development, and construction of commercial properties, as well as investment properties.
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- BDO USA, P.C.
- Visa Inc. (V)
- Mastercard Incorporated (MA)
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Steven E. Trager Executive Chairman & CEO
Steven E. Trager has served as Executive Chair and CEO of Republic Bancorp, Inc. since 2021. He previously held the role of Chairman and CEO of Republic Bank & Trust Company since 2012, and President and CEO of Republic Bancorp, Inc. starting in 1998. Mr. Trager began his career with the Bank in 1988 as General Counsel. He also served as Vice Chairman of the bank from 1994 to 1997. With over 30 years of banking experience, he continues the family's long-standing involvement with the company, which was founded by Bernard M. Trager in 1974.
Kevin D. Sipes Executive Vice President & CFO
Kevin D. Sipes has been an Executive Vice President and Chief Financial Officer of Republic Bancorp, Inc. and Republic Bank & Trust Company since October 2000, and has served as Executive Vice President and Treasurer since January 2002. He joined Republic in 1995 and possesses direct experience in banking, finance, operations, and retail management.
A. Scott Trager Vice Chairman & President
A. Scott Trager has served as Vice Chairman of Republic Bancorp, Inc. and Republic Bank & Trust Company since April 2017. He has also been a Director and President of Republic Bancorp, Inc. since 2012. Prior to this, he was President of Republic Bank & Trust Company from 1984 to 2017 and Vice Chairman of Republic Bancorp, Inc. from 1994 to 2012. He brings extensive leadership experience in marketing, operations, and retail branch management.
Logan M. Pichel President & CEO, Republic Bank & Trust Company
Logan M. Pichel began serving as President & CEO of Republic Bank & Trust Company and a Director of Republic Bancorp, Inc. in 2021, having joined the Bank as President in 2020. Before his tenure at Republic Bank, Mr. Pichel spent 2005 to 2020 at Regions Bank, where he held various positions, including Executive Vice President and Head of Corporate Development – Financial Planning and Analysis and Mergers and Acquisitions. He was also responsible for company budgeting, forecasting, capital allocation, business and product profitability analytics and reporting, and bank and non-bank mergers and acquisitions at Regions Bank. Additionally, he led Regions Bank's Simplify and Grow initiative.
Anthony T. Powell Executive Vice President, Chief Lending Officer
Anthony T. Powell has served as the Chief Lending Officer and Executive Vice President of Republic Bancorp, Inc. since January 2017. His prior roles include Senior Vice President and Chief Credit and Retail Officer, as well as Senior Commercial Lending Officer and Managing Director for the company.
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Here are the key risks to Republic Bancorp (symbol: RBCAA):
- Interest Rate Risk and Margin Compression: Republic Bancorp is susceptible to fluctuations in interest rates, which can significantly impact its net interest margin. Analysts project a potential decline in net interest income, with a projected net interest income decline of 1.7% for the next 12 months, suggesting a challenging demand environment. The company's net interest margin has reportedly declined over the past two years, reflecting a willingness to accept lower profitability to maintain market position. Expected interest rate cuts are likely to further pressure the bank's margins.
- Credit Risk and Adverse Economic Conditions: As a financial institution, Republic Bancorp is inherently exposed to credit risk, which is exacerbated by adverse economic conditions. Economic downturns, such as those experienced during the COVID-19 pandemic, can significantly impact the bank's ability to offer traditional loan products and increase credit losses.
- Acquisition Integration Risk: Republic Bancorp faces risks related to its acquisition strategy, specifically the merger of CBank with its subsidiary. These risks include the ability to successfully grow CBank's loan and deposit balances post-acquisition, potential unanticipated loan losses from CBank-originated loans, and challenges in integrating the acquired operations to achieve expected synergies and timelines. The ability to integrate, manage, and secure information systems post-acquisition is also a critical concern.
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The clear emerging threat for Republic Bancorp (RBCAA) comes from the proliferation of financial technology (fintech) companies, including neobanks, and the increasing foray of large technology companies into financial services. These entities leverage advanced technology to offer digitally-native banking experiences, often with lower fees, higher interest rates on deposits, and more streamlined processes for loans and payments.
This trend directly challenges traditional regional banks like Republic Bancorp by:
- Attracting Deposits: Neobanks and high-yield online savings accounts from fintechs offer compelling alternatives for customers seeking higher returns or more convenient digital account management, potentially drawing away core deposits.
- Competing for Loans: Online lenders and embedded finance solutions from tech giants (e.g., Apple Pay Later, Amazon lending to sellers) offer quick, convenient access to credit, bypassing traditional bank loan processes for various customer segments.
- Disrupting Customer Relationships: As consumers increasingly prefer digital interactions, fintechs and tech companies provide seamless, mobile-first experiences that can erode the traditional branch-based or relationship-manager models, making it harder for regional banks to retain or acquire customers solely on proximity or personal service.
This mirrors historical disruptions where new, technology-driven models (like Netflix vs. Blockbuster or Uber vs. Taxis) offered superior convenience, value, or user experience, thus threatening established incumbents.
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Republic Bancorp (RBCAA) operates in several key financial markets, primarily within the United States. The addressable markets for its main products and services are sized as follows:
- Retail Banking: Republic Bancorp provides traditional banking services, including checking and savings accounts, CDs, and personal loans, to individuals and small to medium businesses across its branch network in Kentucky, Indiana, Florida, Tennessee, and Ohio. The United States retail banking market is valued at approximately USD 0.87 trillion in 2025 and is projected to reach USD 1.08 trillion by 2030.
- Mortgage Banking: The company originates residential mortgage loans, home equity loans, and lines of credit. The total U.S. home loan market reached USD 2.29 trillion in 2025 and is forecasted to grow to USD 3.02 trillion by 2030. Mortgage originations in the United States were USD 512.15 billion in the third quarter of 2025.
- Commercial Banking: Republic Bancorp offers a range of commercial lending products, including commercial real estate loans, C&I loans, business loans and lines of credit, and equipment leasing. The market size for Commercial Banking in the U.S. was approximately USD 1.5 trillion in 2024 and is projected to reach USD 1.6 trillion in 2025.
- Warehouse Lending: Republic Bancorp's Warehouse Lending segment provides short-term revolving credit facilities to mortgage bankers. Due to the specialized nature of this service, a specific addressable market size is not readily available.
- Tax Refund Solutions: The company facilitates the receipt and payment of federal and state tax refund products and offers related credit products through its Tax Refund Solutions division. A distinct market size for this highly specialized service is not readily available.
- Republic Credit Solutions: This segment offers general-purpose reloadable prepaid cards. A specific addressable market size for general-purpose reloadable prepaid cards is not readily available.
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Republic Bancorp (RBCAA) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Net Interest Margin (NIM) Expansion and Disciplined Pricing: The company has demonstrated a disciplined approach to pricing across its Core Bank balance sheet, leading to significant net interest margin expansion. This was a primary driver for the 8% rise in total net interest income and an improved NIM to 4.65% in Q3 2025, up from 4.49% in Q3 2024. A notable decrease in the Core Bank's cost of deposits also contributed to this margin improvement.
- Growth in the Traditional Banking Segment: The Traditional Banking segment, which forms a substantial part of Republic Bancorp's operations, has shown robust performance. Net interest income within this segment increased by 13% in the third quarter of 2025 compared to the same period in 2024. This continued strength in its core banking activities is expected to be a consistent revenue driver.
- Expansion of Warehouse Lending Operations: As part of its Core Bank segment, which comprises approximately 94% of total assets, Republic Bancorp's Warehouse Lending operations have demonstrated significant growth. For instance, average outstanding Warehouse balances increased by 24% from Q2 2024 to Q2 2025, with average usage rates for Warehouse lines also rising.
- Performance of Specialized Business Segments: While results across specialized business segments can be mixed, specific areas like Republic Credit Solutions have shown strong growth. In Q3 2025, Republic Credit Solutions reported a 15% increase in net income. Targeted development and performance in such specialized offerings are anticipated to contribute to overall revenue.
- Strategic Market Expansion: Republic Bancorp is actively investing in new markets, indicated by new local partnerships in Greater Nashville announced in September 2025. This strategic expansion into new geographic areas aims to broaden the company's customer base and increase its market presence, thereby driving future revenue growth.
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Share Repurchases
- In 2021, Republic Bancorp repurchased 979,672 shares of Class A Common Stock at an average price of $48.52 per share, totaling approximately $47.5 million.
- On October 25, 2022, the Board of Directors increased the authorization to repurchase Class A Common Stock to 500,000 shares. As of December 31, 2023, 34,410 shares remained under this program.
- A new stock repurchase program was announced on October 8, 2024. As of December 31, 2024, the company had 434,410 shares available for repurchase under its existing programs.
Share Issuance
- Approximately 5,408 shares of Class A Common Stock were issued in 2022 through the conversion of Class B Common Stock.
- In 2024, 4,472 shares of Class A Common Stock were issued due to conversions from Class B Common Stock.
- As of February 14, 2025, 17,333,993 shares of Class A Common Stock and 2,150,090 shares of Class B Common Stock were issued and outstanding.
Outbound Investments
- In March 2023, Republic Bancorp completed the acquisition of CBank, which contributed to a 20% overall growth in traditional bank loans.
- During the third quarter of 2025, the company strategically deployed a higher percentage of its excess cash into longer-term investment securities to achieve more attractive yields. Average investments increased from $593 million in Q3 2024 to $806 million in Q3 2025.
Capital Expenditures
- Capital expenditures were $6.90 million in 2020, $3.50 million in 2021, $5.15 million in 2022, $2.69 million in 2023, and $5.81 million in 2024.
- Capital expenditures are projected to increase significantly based on recent reporting.
- Recent capital allocation has focused on enhancing digital banking capabilities, opening three new banking centers (one in Northern Kentucky and two in metropolitan Nashville, TN), and investing in mortgage-related talent and technology. In 2021, the company also upgraded its entire banking system.
Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 62.50 |
| Mkt Cap | 1.5 |
| Rev LTM | 355 |
| Op Inc LTM | - |
| FCF LTM | 126 |
| FCF 3Y Avg | 117 |
| CFO LTM | 134 |
| CFO 3Y Avg | 125 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 10.7% |
| Rev Chg 3Y Avg | 10.0% |
| Rev Chg Q | 13.0% |
| QoQ Delta Rev Chg LTM | 3.1% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 39.9% |
| CFO/Rev 3Y Avg | 40.0% |
| FCF/Rev LTM | 37.3% |
| FCF/Rev 3Y Avg | 38.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.5 |
| P/S | 4.5 |
| P/EBIT | - |
| P/E | 13.7 |
| P/CFO | 11.1 |
| Total Yield | 9.5% |
| Dividend Yield | 2.4% |
| FCF Yield 3Y Avg | 9.7% |
| D/E | 0.1 |
| Net D/E | -0.6 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 5.5% |
| 3M Rtn | 9.8% |
| 6M Rtn | 6.8% |
| 12M Rtn | 10.7% |
| 3Y Rtn | 32.5% |
| 1M Excs Rtn | 8.1% |
| 3M Excs Rtn | 9.9% |
| 6M Excs Rtn | -0.5% |
| 12M Excs Rtn | -1.4% |
| 3Y Excs Rtn | -36.8% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Traditional Banking | 234 | 203 | 189 | 187 | 199 |
| Republic Credit Solutions | 97 | 42 | 34 | 28 | 35 |
| Tax Refund Solutions | 46 | 52 | 40 | 46 | 43 |
| Republic Payment Solutions | 19 | 8 | |||
| Warehouse Lending | 9 | 14 | 25 | 26 | 16 |
| Mortgage Banking | 7 | 21 | 33 | 10 | |
| Interchange related expense | -5 | ||||
| Total | 406 | 327 | 309 | 319 | 298 |
| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Traditional Banking | 47 | 41 | 36 | 20 | 51 |
| Republic Credit Solutions | 18 | 17 | 16 | 17 | 16 |
| Republic Payment Solutions | 12 | 4 | |||
| Tax Refund Solutions | 9 | 23 | 13 | 12 | 12 |
| Warehouse Lending | 5 | 9 | 16 | 16 | 9 |
| Mortgage Banking | -2 | 7 | 18 | 3 | |
| Total | 90 | 91 | 88 | 83 | 92 |
| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Traditional Banking | 5,520 | 4,895 | 4,718 | 4,750 | 4,684 |
| Republic Payment Solutions | 366 | 363 | |||
| Warehouse Lending | 340 | 405 | 851 | 963 | 718 |
| Tax Refund Solutions | 229 | 46 | 372 | 286 | 87 |
| Republic Credit Solutions | 140 | 113 | 110 | 107 | 105 |
| Mortgage Banking | 14 | 44 | 62 | 26 | |
| Total | 6,595 | 5,836 | 6,094 | 6,168 | 5,620 |
Price Behavior
Price Behavior
| Market Price | $72.30 | |
| Market Cap ($ Bil) | 1.4 | |
| First Trading Date | 07/22/1998 | |
| Distance from 52W High | -5.9% | |
| 50 Days | 200 Days | |
| DMA Price | $71.50 | $70.75 |
| DMA Trend | up | up |
| Distance from DMA | 1.1% | 2.2% |
| 3M | 1YR | |
| Volatility | 26.5% | 26.2% |
| Downside Capture | -14.34 | 54.79 |
| Upside Capture | 34.12 | 58.59 |
| Correlation (SPY) | 17.7% | 41.4% |
RBCAA Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.89 | 0.50 | 0.52 | 0.75 | 0.59 | 0.78 |
| Up Beta | 5.92 | 4.41 | 1.62 | 1.87 | 0.57 | 0.89 |
| Down Beta | 1.08 | 0.47 | 0.54 | 0.61 | 0.52 | 0.65 |
| Up Capture | 6% | 5% | 51% | 46% | 58% | 56% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 9 | 19 | 28 | 58 | 123 | 372 |
| Down Capture | -136% | -71% | -8% | 44% | 74% | 91% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 11 | 22 | 32 | 66 | 125 | 373 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RBCAA | |
|---|---|---|---|---|
| RBCAA | 12.8% | 26.1% | 0.43 | - |
| Sector ETF (XLF) | 1.6% | 19.3% | -0.04 | 55.1% |
| Equity (SPY) | 14.0% | 19.4% | 0.55 | 41.6% |
| Gold (GLD) | 74.3% | 25.3% | 2.17 | -9.4% |
| Commodities (DBC) | 7.0% | 16.7% | 0.24 | 7.7% |
| Real Estate (VNQ) | 7.9% | 16.6% | 0.28 | 44.6% |
| Bitcoin (BTCUSD) | -29.8% | 44.9% | -0.65 | 15.8% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RBCAA | |
|---|---|---|---|---|
| RBCAA | 15.1% | 27.8% | 0.52 | - |
| Sector ETF (XLF) | 12.4% | 18.7% | 0.54 | 57.3% |
| Equity (SPY) | 13.3% | 17.0% | 0.62 | 40.6% |
| Gold (GLD) | 22.1% | 17.0% | 1.06 | -1.8% |
| Commodities (DBC) | 10.5% | 18.9% | 0.44 | 7.3% |
| Real Estate (VNQ) | 5.2% | 18.8% | 0.18 | 41.0% |
| Bitcoin (BTCUSD) | 8.3% | 57.2% | 0.37 | 14.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RBCAA | |
|---|---|---|---|---|
| RBCAA | 14.0% | 32.8% | 0.48 | - |
| Sector ETF (XLF) | 13.8% | 22.2% | 0.57 | 63.8% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 50.0% |
| Gold (GLD) | 15.3% | 15.6% | 0.82 | -6.3% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 16.7% |
| Real Estate (VNQ) | 6.4% | 20.7% | 0.27 | 46.7% |
| Bitcoin (BTCUSD) | 67.9% | 66.7% | 1.07 | 14.3% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/17/2025 | 3.8% | 1.0% | -2.2% |
| 7/18/2025 | 0.1% | -4.0% | -5.4% |
| 4/24/2025 | 1.2% | 1.5% | 5.4% |
| 1/24/2025 | -2.4% | -4.6% | -5.1% |
| 10/18/2024 | 2.0% | 0.6% | 12.5% |
| 7/19/2024 | -1.0% | 9.0% | -3.7% |
| 4/25/2024 | 0.4% | 3.5% | 4.3% |
| 1/26/2024 | 1.4% | -3.8% | -7.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 17 | 14 | 13 |
| # Negative | 7 | 10 | 11 |
| Median Positive | 1.4% | 3.6% | 5.4% |
| Median Negative | -1.5% | -3.8% | -5.4% |
| Max Positive | 4.8% | 17.6% | 18.0% |
| Max Negative | -2.5% | -7.4% | -7.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/06/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/08/2024 | 10-Q |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 03/14/2024 | 10-K |
| 09/30/2023 | 11/03/2023 | 10-Q |
| 06/30/2023 | 08/04/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 03/03/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 03/01/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Starke, Jeff | EVP, CHIEF INFORMATION OFFICER | Direct | Sell | 12152025 | 73.31 | 137 | 10,043 | 423,218 | Form |
| 2 | Ames, Christy | EVP, GENERAL COUNSEL | Direct | Sell | 9172025 | 75.79 | 400 | 30,316 | 359,134 | Form |
| 3 | Montano, Juan | EVP, CHIEF MTG BANKING OFFICER | 401(k) Plan | Sell | 9152025 | 75.53 | 1,223 | 92,391 | 334,891 | Form |
| 4 | Ames, Christy | EVP, GENERAL COUNSEL | Direct | Sell | 6112025 | 70.50 | 700 | 49,350 | 355,571 | Form |
| 5 | Trager, Scott | VICE CHAIRMAN | 401(k) Plan | Buy | 6042025 | 68.73 | 437 | 30,001 | 3,871,372 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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