Tearsheet

Republic Bancorp (RBCAA)

Market Price (12/4/2025): $69.27 | Market Cap: $1.4 Bil
Sector: Financials | Industry: Regional Banks

Republic Bancorp (RBCAA)

Market Price (12/4/2025): $69.27
Market Cap: $1.4 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0	Attractive yield Total 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 7.1%, FCF Yield is 10%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -46%
2	Attractive cash flow generation CFO/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%
3	Low stock price volatility Vol 12M is 26%
4	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

0	Attractive yield Total 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 7.1%, FCF Yield is 10%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -46%
2	Attractive cash flow generation CFO/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%
3	Low stock price volatility Vol 12M is 26%
4	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

Valuation, Metrics & Events

	12/4/25	2024	2023	2022	2021
Share Price CYE	$69.27	$68.53	$52.60	$37.75	$45.44
Market Cap CYE ($ Bil)	1.4	1.3	1.0	0.8	1.2
Total Debt ($ Bil)	0.4	0.4	0.4	0.1	0.1
Total Cash ($ Bil)	0.5	0.4	0.3	0.3	0.8
Enterprise Value ($ Bil)	1.3	1.7	1.4	0.9	1.3
Valuation Ratios
P/S TTM	3.5	3.6	3.1	2.7	3.5
P/EBIT TTM	0.0	0.0	0.0	0.0	0.0
P/E TTM	11.0	13.5	12.1	9.0	12.0
Sector Ratios
P/S TTM (Sector)	3.0	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	8.1	8.5	7.5	7.7	7.3
P/E TTM (Sector)	11.7	11.6	10.2	9.4	10.1

	12/4/25	2024	2023
Share Price CYE	$69.27	$68.53	$52.60
Market Cap CYE ($ Bil)	1.4	1.3	1.0
Total Debt ($ Bil)	0.4	0.4	0.4
Total Cash ($ Bil)	0.5	0.4	0.3
Enterprise Value ($ Bil)	1.3	1.7	1.4
Valuation Ratios
P/S TTM	3.5	3.6	3.1
P/EBIT TTM	0.0	0.0	0.0
P/E TTM	11.0	13.5	12.1
Sector Ratios
P/S TTM (Sector)	3.0	3.1	2.8
P/EBIT TTM (Sector)	8.1	8.5	7.5
P/E TTM (Sector)	11.7	11.6	10.2

	RBCAA	S&P 500
REVENUE GROWTH	FAIR
Rev LTM ($ Bil)	0.4
Rev Chg Q	6.1%	7.1%
Rev Chg LTM	9.5%	6.1%
Rev Chg 3Y Avg	10.6%	5.5%
PROFITABILITY	VERY GOOD
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.2
Net Inc LTM ($ Bil)	0.1
CFO/Rev LTM	38.7%	20.5%
Net Inc Mgn	31.4%	13.1%
VALUATION	LOW
P/S	3.5	3.2
P/CFO	8.9	15.8
P/FCF	9.4	20.5
P/E	11.0	23.5

AI Generated Analysis | Feedback

Metric	Value	Date	Source
Net Interest Margin (NIM)	4.65%	9302025	Link
Return on Average Assets (ROA)	1.69%	9302025	Link
Return on Average Equity (ROE)	10.91%	9302025	Link
Number of Banking Centers	47	11062025	Link
Net Charge-Offs to Average Loans	0.02%	9302025	Link
Nonperforming Loans to Total Loans	0.42%	9302025	Link
Revenue per Employee	$415,875	12312023	Link

Upcoming
12/19/2025	Dividend	Amount: $0.45 Payment On: 1/16/2026
1/23/2026	Earnings Release	Rev: $92 Mil (E) EPS: $1.30 (E)

RBCAA Stock

Return (1M):

Why The Stock Moved

Qualitative Assessment

AI Generated Analysis | Feedback

1. Profit-taking following strong Q3 Earnings: Despite Republic Bancorp reporting robust third-quarter 2025 financial results that exceeded analyst expectations for earnings per share and showed a 12% increase in net income, investors may have engaged in profit-taking after the initial positive reaction to the earnings release on October 17, 2025.

2. Decline in Total Loan Portfolio: During the third quarter of 2025, Republic Bancorp's total loan portfolio experienced a decline of $92 million. Although the company attributed this to a strategic focus on pricing discipline, some investors might have viewed this as a potential headwind for future asset growth, contributing to negative sentiment.

Stock Movement Drivers

Fundamental Drivers

The -6.8% change in RBCAA stock from 9/3/2025 to 12/3/2025 was primarily driven by a -7.7% change in the company's P/E Multiple.

	9032025	12032025	Change
Stock Price ($)	75.55	70.42	-6.79%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	401.06	406.38	1.33%
Net Income Margin (%)	31.00%	31.38%	1.23%
P/E Multiple	11.81	10.90	-7.73%
Shares Outstanding (Mil)	19.43	19.73	-1.54%
Cumulative Contribution			-6.81%

LTM = Last Twelve Months as of date shown

Market Drivers

9/3/2025 to 12/3/2025

	Return	Correlation
RBCAA	-6.8%
Market (SPY)	6.2%	30.3%
Sector (XLF)	0.1%	56.9%

Fundamental Drivers

The 4.2% change in RBCAA stock from 6/4/2025 to 12/3/2025 was primarily driven by a 4.8% change in the company's Net Income Margin (%).

	6042025	12032025	Change
Stock Price ($)	67.58	70.42	4.20%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	394.17	406.38	3.10%
Net Income Margin (%)	29.94%	31.38%	4.79%
P/E Multiple	11.29	10.90	-3.44%
Shares Outstanding (Mil)	19.71	19.73	-0.11%
Cumulative Contribution			4.20%

LTM = Last Twelve Months as of date shown

Market Drivers

6/4/2025 to 12/3/2025

	Return	Correlation
RBCAA	4.2%
Market (SPY)	15.1%	44.2%
Sector (XLF)	5.8%	64.7%

Fundamental Drivers

The -4.6% change in RBCAA stock from 12/3/2024 to 12/3/2025 was primarily driven by a -23.4% change in the company's P/E Multiple.

	12032024	12032025	Change
Stock Price ($)	73.80	70.42	-4.58%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	371.07	406.38	9.52%
Net Income Margin (%)	27.49%	31.38%	14.13%
P/E Multiple	14.22	10.90	-23.35%
Shares Outstanding (Mil)	19.65	19.73	-0.40%
Cumulative Contribution			-4.58%

LTM = Last Twelve Months as of date shown

Market Drivers

12/3/2024 to 12/3/2025

	Return	Correlation
RBCAA	-4.6%
Market (SPY)	14.3%	48.6%
Sector (XLF)	7.4%	59.3%

Fundamental Drivers

The 71.1% change in RBCAA stock from 12/4/2022 to 12/3/2025 was primarily driven by a 35.0% change in the company's Total Revenues ($ Mil).

	12042022	12032025	Change
Stock Price ($)	41.15	70.42	71.11%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	300.93	406.38	35.04%
Net Income Margin (%)	29.98%	31.38%	4.66%
P/E Multiple	9.09	10.90	19.94%
Shares Outstanding (Mil)	19.92	19.73	0.93%
Cumulative Contribution			71.10%

LTM = Last Twelve Months as of date shown

Market Drivers

12/4/2023 to 12/3/2025

	Return	Correlation
RBCAA	49.6%
Market (SPY)	53.2%	39.9%
Sector (XLF)	52.4%	58.8%

Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
RBCAA Return	-20%	45%	-17%	39%	30%	-0%	73%
Peers Return	-2%	12%	-18%	18%	1%	19%	28%
S&P 500 Return	16%	27%	-19%	24%	23%	16%	112%
Monthly Win Rates [3]
RBCAA Win Rate	50%	75%	25%	58%	58%	50%
Peers Win Rate	22%	25%	28%	35%	27%	51%
S&P 500 Win Rate	58%	75%	42%	67%	75%	70%
Max Drawdowns [4]
RBCAA Max Drawdown	-40%	-1%	-23%	-6%	-14%	-13%
Peers Max Drawdown	-19%	-2%	-23%	-16%	-10%	-7%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: NEWT, ATLO, AVBC, LSBK, NU.
[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] 2025 data is for the year up to 12/3/2025 (YTD)

How Low Can It Go

Unique Key	Event	RBCAA	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-33.1%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	49.4%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	654 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-41.5%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	70.8%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	170 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-28.3%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	39.4%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	190 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-57.8%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	137.0%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	2804 days	1480 days

Compare to NEWT, ATLO, AVBC, LSBK, NU

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.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

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.

AI Generated Analysis | Feedback

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.

AI Generated Analysis | Feedback

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.

AI Generated Analysis | Feedback

```html

Major 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.

```

AI Generated Analysis | Feedback

BDO USA, P.C.
Visa Inc. (V)
Mastercard Incorporated (MA)

AI Generated Analysis | Feedback

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.

AI Generated Analysis | Feedback

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.

AI Generated Analysis | Feedback

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.

AI Generated Analysis | Feedback

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.

AI Generated Analysis | Feedback

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.

Better Bets than Republic Bancorp (RBCAA)

	RBCAA	Better Performance than RBCAA
Metric	Value	INDUSTRY: Regional Banks
Rev Chg LTM	9.5%	SSB (45.2%), NU (23.7%), KEY (20.7%), HBAN (11.1%), EWBC (10.5%)
Rev Chg 3Y Avg	10.6%	NU (70.1%), FCNCA (42.2%), WBS (19.0%), SSB (18.3%), MTB (11.4%)
CFO/Rev LTM	38.7%	KEY (52.4%), EWBC (45.8%), NU (44.0%), MTB (43.5%), FITB (40.6%)
FCF/Rev LTM	36.7%	KEY (51.0%), WBS (46.1%), EWBC (45.8%), MTB (41.7%), NU (40.8%)
Total Yield	11.3%	RF (13.0%), WBS (12.5%), CMA (12.5%), HBAN (12.4%), MTB (11.9%)
P/S	3.5	FCNCA (2.4), CFG (2.8), HBAN (3.2), MTB (3.2), FITB (3.5)

	RBCAA	Better Performance than RBCAA
Metric	Value	SECTOR: Financials
Rev Chg LTM	9.5%	MS (17.6%), RY (16.4%), GS (15.2%), MA (14.6%), V (11.3%)
Rev Chg 3Y Avg	10.6%	BRK-B (19.8%), JPM (13.4%), MA (13.2%), AXP (11.6%), V (10.9%)
CFO/Rev LTM	38.7%	RY (135.4%), V (57.6%), BAC (57.3%), MA (56.1%), COF (46.3%)
FCF/Rev LTM	36.7%	RY (131.7%), BAC (57.3%), V (53.9%), MA (52.5%), COF (43.2%)
Total Yield	11.3%	TD (16.6%), BNS (14.3%), USB (13.7%), CM (12.3%), PNC (11.5%)
P/S	3.5	C (2.2), BRK-B (2.7), RY (2.9), WFC (3.2), AXP (3.3)

	RBCAA	Better Performance than RBCAA
Metric	Value	ALL OTHER SECTORS
Rev Chg LTM	9.5%	NVDA (71.6%), AVGO (28.0%), MSFT (15.6%), GOOGL (13.4%), AMZN (10.9%)
Rev Chg 3Y Avg	10.6%	NVDA (92.0%), AVGO (24.0%), MSFT (13.2%), AMZN (11.3%), GOOGL (11.0%)
CFO/Rev LTM	38.7%	META (56.8%), MSFT (50.0%), NVDA (46.6%), AVGO (42.4%), GOOGL (39.3%)
FCF/Rev LTM	36.7%	APP (50.6%), ANET (47.9%), PLTR (46.0%), NVDA (43.6%), AVGO (41.6%)
Total Yield	11.3%	VZ (16.8%), PFE (13.5%), MRK (13.0%), ENB (12.9%), BMY (12.0%)
P/S	3.5	WMT (1.1), XOM (1.4), COST (1.5), HD (2.2), AMZN (3.5)

		Best Bets In Financials Sector
	RBCAA
What You Pay
P/E	11.2
P/EBIT	�
What You Get
Rev Chg Q	6.1%
Rev Chg LTM	9.5%
Rev Chg 3Y Avg	10.6%
FCF/Rev 3Y Avg	34.6%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Latest Trefis Analyses

	Title	Topic
0	DASHBOARDS
1	Can Republic Bancorp Stock Recover If Markets Fall?	Return
2	Why Republic Bancorp Stock Moved: RBCAA Stock Has Gained 78% Since 2022 Fiscal End, Primarily Due To Favorable Change In Price To Sales Multiple (P/S)
3	Republic Bancorp (RBCAA) Valuation Ratios Comparison	Financials
4	RBCAA Dip Buy Analysis
5	Time To Buy Republic Bancorp Stock?	Buy or Fear
6	Republic Bancorp (RBCAA) Operating Cash Flow Comparison	Financials
7	Republic Bancorp (RBCAA) Net Income Comparison	Financials

	Title
0	ARTICLES

Trade Ideas

Select past ideas related to RBCAA. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
WU_11212025_Dip_Buyer_FCFYield	11212025	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	3.4%	3.4%	-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper	11212025	COIN	Coinbase Global	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	9.5%	9.5%	0.0%
PYPL_11142025_Dip_Buyer_FCFYield	11142025	PYPL	PayPal	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	0.1%	0.1%	-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper	11142025	V	Visa	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-0.1%	-0.1%	-2.7%
WD_11072025_Dip_Buyer_ValueBuy	11072025	WD	Walker & Dunlop	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	-7.7%	-7.7%	-11.0%
RBCAA_12312024_Quality_Momentum_RoomToRun_10%	12312024	RBCAA	Republic Bancorp	Quality	Q \| Momentum \| UpsideQuality Stocks with Momentum and Upside Buying quality stocks with strong momentum but still having room to run	9.5%	-0.5%	-12.8%

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
WU_11212025_Dip_Buyer_FCFYield	11212025	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	3.4%	3.4%	-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper	11212025	COIN	Coinbase Global	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	9.5%	9.5%	0.0%
PYPL_11142025_Dip_Buyer_FCFYield	11142025	PYPL	PayPal	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	0.1%	0.1%	-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper	11142025	V	Visa	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-0.1%	-0.1%	-2.7%
WD_11072025_Dip_Buyer_ValueBuy	11072025	WD	Walker & Dunlop	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	-7.7%	-7.7%	-11.0%
RBCAA_12312024_Quality_Momentum_RoomToRun_10%	12312024	RBCAA	Republic Bancorp	Quality	Q \| Momentum \| UpsideQuality Stocks with Momentum and Upside Buying quality stocks with strong momentum but still having room to run	9.5%	-0.5%	-12.8%

Recent Active Movers

1 Day Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
MPLT	MapLight Therapeutics	0.7	31.3%
AEVA	Aeva Technologies	0.8	25.7%	188.2%
DC	Dakota Gold	0.6	19.7%	150.9%
SERV	Serve Robotics	0.7	18.2%	-12.6%
ACDC	ProFrac	0.7	17.6%	-45.0%
HY	Hyster Yale	0.6	15.6%	-29.9%
AEO	American Eagle Outfitters	4.1	15.1%	49.7%
BEAM	Beam Therapeutics	2.7	14.4%	7.8%
GOSS	Gossamer Bio	0.8	14.4%	278.1%
FTRE	Fortrea	1.3	14.4%	-21.8%

1 Day Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
PSTG	Pure Storage	22.6	-27.3%	12.1%
GTLB	GitLab	6.3	-12.8%	-32.9%
CTEV	Claritev	0.7	-11.3%
FBYD	Falcons Beyond Global	0.7	-11.2%	131.2%
ACHC	Acadia Healthcare	1.3	-10.9%	-63.0%
ULS	UL Solutions	16.0	-10.7%	60.4%
HPK	HighPeak Energy	0.7	-10.6%	-59.8%
OS	OneStream	3.5	-10.4%	-35.0%
ARE	Alexandria Real Estate Equities	8.2	-10.1%	-47.9%
THO	Thor Industries	5.3	-9.5%	6.6%

1 Week Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
HPP	Hudson Pacific Properties	6.3	641.5%	-34.3%
TLRY	Tilray Brands	7.5	618.1%	-46.9%
TMC	TMC The Metals	2.8	42.2%	589.3%
VERA	Vera Therapeutics	2.6	40.2%	-2.4%
ARWR	Arrowhead Pharmaceuticals	9.0	39.1%	246.1%
TE	T1 Energy	0.7	37.4%
MPLT	MapLight Therapeutics	0.7	32.1%
AEVA	Aeva Technologies	0.8	31.1%	188.2%
AMKR	Amkor Technology	10.9	30.2%	73.4%
DC	Dakota Gold	0.6	30.2%	150.9%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
JANX	Janux Therapeutics	1.1	-50.7%	-68.0%
VTYX	Ventyx Biosciences	0.6	-25.0%	258.0%
CTEV	Claritev	0.7	-23.5%
AMBA	Ambarella	3.0	-22.9%	-3.6%
FULC	Fulcrum Therapeutics	0.6	-21.5%	92.8%
PD	PagerDuty	1.1	-20.5%	-33.9%
NTNX	Nutanix	12.7	-19.3%	-22.4%
CNK	Cinemark	2.6	-18.0%	-25.2%
PSTG	Pure Storage	22.6	-17.2%	12.1%
ZS	Zscaler	38.1	-15.9%	35.1%

1 Month Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
OLMA	Olema Pharmaceuticals	2.3	223.6%	367.4%
COGT	Cogent Biosciences	5.4	152.6%	402.1%
CDTX	Cidara Therapeutics	5.9	115.1%	722.1%
IRWD	Ironwood Pharmaceuticals	0.6	100.5%	-15.8%
TERN	Terns Pharmaceuticals	2.5	95.9%	396.2%
FRGE	Forge Global	0.6	90.3%	217.8%
SGML	Sigma Lithium	1.1	87.3%	-10.6%
INSP	Inspire Medical Systems	4.0	82.8%	-27.3%
NPCE	NeuroPace	0.6	77.2%	48.9%
ALMS	Alumis	0.6	71.9%	-0.3%

1 Month Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
UP	Wheels Up Experience	0.4	-52.7%	-62.4%
CCOI	Cogent Communications	0.9	-51.9%	-72.9%
SMR	NuScale Power	3.0	-50.7%	12.3%
FRMI	Fermi	10.3	-47.5%
AMSC	American Superconductor	1.4	-47.2%	30.1%
TLRY	Tilray Brands	7.5	-46.1%	-46.9%
BTDR	Bitdeer Technologies	2.4	-44.8%	-41.8%
EXOD	Exodus Movement	0.4	-43.1%	-53.3%
STUB	Stubhub	3.5	-39.8%
METC	Ramaco Resources	1.0	-39.4%	66.9%

Recent Active Movers

1 Day Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
MPLT	MapLight Therapeutics	0.7	31.3%
AEVA	Aeva Technologies	0.8	25.7%	188.2%
DC	Dakota Gold	0.6	19.7%	150.9%
SERV	Serve Robotics	0.7	18.2%	-12.6%
ACDC	ProFrac	0.7	17.6%	-45.0%
HY	Hyster Yale	0.6	15.6%	-29.9%
AEO	American Eagle Outfitters	4.1	15.1%	49.7%
BEAM	Beam Therapeutics	2.7	14.4%	7.8%
GOSS	Gossamer Bio	0.8	14.4%	278.1%
FTRE	Fortrea	1.3	14.4%	-21.8%

1 Day Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
PSTG	Pure Storage	22.6	-27.3%	12.1%
GTLB	GitLab	6.3	-12.8%	-32.9%
CTEV	Claritev	0.7	-11.3%
FBYD	Falcons Beyond Global	0.7	-11.2%	131.2%
ACHC	Acadia Healthcare	1.3	-10.9%	-63.0%
ULS	UL Solutions	16.0	-10.7%	60.4%
HPK	HighPeak Energy	0.7	-10.6%	-59.8%
OS	OneStream	3.5	-10.4%	-35.0%
ARE	Alexandria Real Estate Equities	8.2	-10.1%	-47.9%
THO	Thor Industries	5.3	-9.5%	6.6%

1 Week Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
HPP	Hudson Pacific Properties	6.3	641.5%	-34.3%
TLRY	Tilray Brands	7.5	618.1%	-46.9%
TMC	TMC The Metals	2.8	42.2%	589.3%
VERA	Vera Therapeutics	2.6	40.2%	-2.4%
ARWR	Arrowhead Pharmaceuticals	9.0	39.1%	246.1%
TE	T1 Energy	0.7	37.4%
MPLT	MapLight Therapeutics	0.7	32.1%
AEVA	Aeva Technologies	0.8	31.1%	188.2%
AMKR	Amkor Technology	10.9	30.2%	73.4%
DC	Dakota Gold	0.6	30.2%	150.9%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
JANX	Janux Therapeutics	1.1	-50.7%	-68.0%
VTYX	Ventyx Biosciences	0.6	-25.0%	258.0%
CTEV	Claritev	0.7	-23.5%
AMBA	Ambarella	3.0	-22.9%	-3.6%
FULC	Fulcrum Therapeutics	0.6	-21.5%	92.8%
PD	PagerDuty	1.1	-20.5%	-33.9%
NTNX	Nutanix	12.7	-19.3%	-22.4%
CNK	Cinemark	2.6	-18.0%	-25.2%
PSTG	Pure Storage	22.6	-17.2%	12.1%
ZS	Zscaler	38.1	-15.9%	35.1%

Peer Comparisons for Republic Bancorp

Peers to compare with:

Financials

	RBCAA	NEWT	ATLO	AVBC	LSBK	NU	Median
Name	Republic.	NewtekOne	Ames Nat.	Avidia B.	Lake Sho.	Nu
Mkt Price	70.42	11.31	21.95	16.47	15.09	17.44	16.95
Mkt Cap	1.4	0.3	0.2	-	-	84.2	0.8
Rev LTM	406	269	60	90	26	8,967	180
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	149	-520	20	-8	4	3,657	12
FCF 3Y Avg	130	-229	16	-	5	2,317	16
CFO LTM	157	-519	20	-4	4	3,941	12
CFO 3Y Avg	137	-228	18	-	5	2,506	18

Growth & Margins

	RBCAA	NEWT	ATLO	AVBC	LSBK	NU	Median
Name	Republic.	NewtekOne	Ames Nat.	Avidia B.	Lake Sho.	Nu
Rev Chg LTM	9.5%	21.8%	13.1%	-	2.1%	23.7%	13.1%
Rev Chg 3Y Avg	10.6%	31.6%	-2.3%	-	0.0%	70.1%	10.6%
Rev Chg Q	6.1%	20.7%	19.4%	-	16.5%	20.4%	19.4%
QoQ Delta Rev Chg LTM	1.3%	4.7%	4.6%	-	4.0%	5.0%	4.6%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	38.7%	-193.4%	33.7%	-4.2%	17.4%	44.0%	25.6%
CFO/Rev 3Y Avg	36.4%	-91.8%	31.7%	-	19.2%	37.8%	31.7%
FCF/Rev LTM	36.7%	-193.4%	33.0%	-8.3%	15.3%	40.8%	24.2%
FCF/Rev 3Y Avg	34.6%	-91.9%	27.6%	-	17.8%	34.9%	27.6%

Valuation

	RBCAA	NEWT	ATLO	AVBC	LSBK	NU	Median
Name	Republic.	NewtekOne	Ames Nat.	Avidia B.	Lake Sho.	Nu
Mkt Cap	1.4	0.3	0.2	-	-	84.2	0.8
P/S	3.5	1.1	2.7	-	-	7.4	3.1
P/EBIT	-	-	-	-	-	-	-
P/E	11.2	4.9	11.6	-	-	28.8	11.4
P/CFO	9.1	-0.6	7.9	-	-	16.8	8.5
Total Yield	11.3%	20.2%	13.5%	-	-	3.5%	12.4%
Dividend Yield	2.3%	0.0%	4.9%	-	-	0.0%	1.2%
FCF Yield 3Y Avg	11.0%	-76.1%	9.6%	-	-	4.3%	6.9%
D/E	0.3	2.6	0.2	-	-	0.0	0.2
Net D/E	-0.5	1.8	-4.5	-	-	-0.4	-0.4

Returns

	RBCAA	NEWT	ATLO	AVBC	LSBK	NU	Median
Name	Republic.	NewtekOne	Ames Nat.	Avidia B.	Lake Sho.	Nu
1M Rtn	7.6%	9.4%	5.5%	7.2%	7.0%	8.1%	7.4%
3M Rtn	-6.8%	-6.0%	13.0%	9.1%	13.4%	17.0%	11.1%
6M Rtn	4.2%	10.7%	29.3%	-	-	46.1%	20.0%
12M Rtn	-4.6%	-14.3%	32.6%	-	-	49.4%	14.0%
3Y Rtn	71.1%	-24.8%	8.7%	-	-	291.0%	39.9%
1M Excs Rtn	7.6%	9.4%	5.5%	7.2%	7.1%	8.2%	7.4%
3M Excs Rtn	-14.3%	-12.1%	4.9%	1.3%	9.3%	11.9%	3.1%
6M Excs Rtn	-10.5%	-4.0%	14.6%	-	-	31.3%	5.3%
12M Excs Rtn	-18.9%	-30.2%	21.1%	-	-	25.6%	1.1%
3Y Excs Rtn	4.8%	-94.1%	-60.5%	-	-	240.5%	-27.8%

FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

[valid:false, table:

, map:[:]]

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	9/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	11/6/2025	3/6/2025	3/14/2024	3/3/2023	3/1/2022	2/26/2021	3/13/2020
Key Financials
Total Revenue	406	379	354	309	304	315	298
Net Income	128	101	90	91	88	83	92
EPS	6.57	5.24	4.64	4.60	4.29	4.00	4.41
Growth Rates
Total Revenue Growth	9.5%	7.0%	14.8%	1.4%	-3.4%	5.6%	4.7%
Net Income Growth	25.0%	12.2%	-0.8%	4.0%	5.2%	-9.2%	17.8%
Margins
Net Income Margin	31.4%	26.7%	25.5%	29.5%	28.8%	26.4%	30.7%
Cash & Debt
Total Cash	1,069	775	908	934	1,252	1,009	857
Total Debt	409	432	416	133	65	321	828
Net Debt / (Cash)	-661	-343	-492	-801	-1,187	-689	-29
Cash Flows
Net Cash from Operations	157	149	109	155	100	75	105
Free Cash from Operations	149	143	102	151	94	72	92
Returns to Shareholders
Dividends	33	31	28	26	25	23	21
Share Repurchases	-0	-0	20	13	48	4	1

$ Mil \| FY: 12/31	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Period End	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022
Filing Date	11/6/2025	8/7/2025	5/8/2025	3/6/2025	11/7/2024	8/8/2024	5/9/2024	3/14/2024	11/3/2023	8/4/2023	5/5/2023	3/3/2023
Key Financials Quarterly
Total Revenue	92	92	134	88	87	85	119	80	78	83	114	75
Net Income	30	31	47	19	27	25	31	20	22	21	28	19
EPS	1.53	1.62	2.43	0.99	1.37	1.31	1.59	1.01	1.11	1.07	1.42	0.94
Key Financials TTM
Total Revenue TTM	406	401	394	379	371	362	359	354	349	344	329	309
Net Income TTM	128	124	118	101	102	97	93	90	89	88	91	91
Growth Rates Quarterly
Total Revenue Growth	6.1%	8.1%	12.8%	9.9%	11.6%	3.2%	4.5%	6.6%	7.0%	21.6%	22.3%	11.6%
Net Income Growth	12.1%	24.9%	54.4%	-3.3%	23.0%	19.7%	8.9%	6.2%	8.4%	-13.5%	-0.9%	5.0%
Margins Quarterly
Net Income Margin	32.4%	34.1%	35.2%	21.6%	30.7%	29.5%	25.7%	24.6%	27.8%	25.4%	24.7%	24.7%
Cash & Debt
Total Cash	1,069	980	1,175	775	998	881	1,134	908	821	846	862	934
Total Debt	409	405	407	432	407	403	304	416	502	556	145	133
Net Debt / (Cash)	-661	-574	-768	-343	-591	-479	-830	-492	-319	-290	-717	-801
Cash Flows Quarterly
FCF from Operations	33	8	93	23	51	4	71	22	21	-6	71	20
Cash Flows TTM
FCF from Operations TTM	157	175	171	149	149	119	109	109	106	125	145	155
Returns to Shareholders Quarterly
Dividends	9	9	8	8	8	8	7	7	7	7	7	7
Share Repurchases	-0	-0	-0	-0	-0	-0	-0	4	9	-0	-0	0
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

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

Net Income by Segment

$ 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

Assets by Segment

$ 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	$70.42
Market Cap ($ Bil)	1.4
First Trading Date	07/22/1998
Distance from 52W High	-8.9%
	50 Days	200 Days
DMA Price	$68.79	$69.18
DMA Trend	indeterminate	down
Distance from DMA	2.4%	1.8%
	3M	1YR
Volatility	26.3%	26.5%
Downside Capture	91.89	89.18
Upside Capture	33.36	72.76
Correlation (SPY)	29.4%	48.6%

RBCAA Betas & Captures as of 11/30/2025

	1M	2M	3M	6M	1Y	3Y
Beta	0.52	0.59	0.63	1.05	0.65	0.79
Up Beta	0.12	0.47	0.90	1.80	0.54	0.87
Down Beta	-0.20	0.64	0.53	0.72	0.58	0.61
Up Capture	101%	34%	19%	72%	59%	62%
Bmk +ve Days	13	26	39	74	142	427
Stock +ve Days	9	18	26	59	122	373
Down Capture	56%	79%	92%	111%	93%	94%
Bmk -ve Days	7	16	24	52	107	323
Stock -ve Days	10	23	36	66	124	371

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

1Y 5Y 10Y

Based On 1-Year Data

		Comparison of RBCAA With Other Asset Classes (Last 1Y)
	RBCAA	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	-6.6%	5.7%	15.3%	58.9%	4.6%	-5.8%	-3.1%
Annualized Volatility	26.4%	19.2%	19.7%	19.4%	15.9%	17.8%	35.7%
Sharpe Ratio	-0.29	0.16	0.60	2.26	0.09	-0.48	0.04
Correlation With Other Assets		59.0%	48.2%	-2.0%	14.0%	48.7%	20.5%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

		Comparison of RBCAA With Other Asset Classes (Last 5Y)
	RBCAA	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	16.2%	15.3%	15.0%	17.9%	11.9%	4.9%	37.1%
Annualized Volatility	28.4%	18.9%	17.1%	15.5%	18.9%	19.0%	49.1%
Sharpe Ratio	0.55	0.67	0.71	0.93	0.52	0.17	0.64
Correlation With Other Assets		58.9%	41.2%	-0.3%	8.8%	41.0%	17.3%

Based On 10-Year Data

		Comparison of RBCAA With Other Asset Classes (Last 10Y)
	RBCAA	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	13.2%	12.5%	14.5%	14.2%	5.6%	5.4%	76.3%
Annualized Volatility	32.8%	22.4%	18.0%	14.8%	17.7%	20.9%	55.9%
Sharpe Ratio	0.46	0.52	0.69	0.79	0.25	0.23	0.95
Correlation With Other Assets		64.2%	50.7%	-5.9%	17.8%	47.2%	14.9%

Short Interest

Short Interest: As Of Date	11142025
Short Interest: Shares Quantity	117,115
Short Interest: % Change Since 10312025	-2.2%
Average Daily Volume	17,725
Days-to-Cover Short Interest	6.61
Basic Shares Quantity	19,733,000
Short % of Basic Shares	0.6%

Returns Analyses

	Title
0	Can Republic Bancorp Stock Recover If Markets Fall?

SEC Filings

Expand for More

Report Date	Filing Date	Filing
9302025	11062025	10-Q 9/30/2025
6302025	8072025	10-Q 6/30/2025
3312025	5082025	10-Q 3/31/2025
12312024	3062025	10-K 12/31/2024
9302024	11072024	10-Q 9/30/2024
6302024	8082024	10-Q 6/30/2024
3312024	5092024	10-Q 3/31/2024
12312023	3142024	10-K 12/31/2023
9302023	11032023	10-Q 9/30/2023
6302023	8042023	10-Q 6/30/2023
3312023	5052023	10-Q 3/31/2023
12312022	3032023	10-K 12/31/2022
9302022	11042022	10-Q 9/30/2022
6302022	8052022	10-Q 6/30/2022
3312022	5062022	10-Q 3/31/2022
12312021	3012022	10-K 12/31/2021

Insider Activity

Expand for More

	Owner	Title	Filing Date	Action	Price	Shares	Transacted Value	Value of Held Shares	Form
0	Ames Christy	EVP, GENERAL COUNSEL	6112025	Sell	70.50	700	49,350	355,571	Form
1	TRAGER SCOTT	VICE CHAIRMAN	6042025	Buy	68.73	437	30,001	3,871,372	Form
2	Rippy John T	EVP, CHIEF RISK OFFICER	1312025	Sell	65.99	3,082	203,381	1,524,668	Form
3	Feaster David P		1302025	Sell	67.00	597	39,999	342,534	Form
4	Howell Heather V		12312024	Sell	75.63	1,496	113,142	566,509	Form

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Prefer one of these to Trefis? Tell us why.

Republic Bancorp (RBCAA)

Market Price (12/4/2025): $69.27 | Market Cap: $1.4 BilSector: Financials | Industry: Regional Banks

Republic Bancorp (RBCAA)

Market Price (12/4/2025): $69.27Market Cap: $1.4 BilSector: FinancialsIndustry: Regional Banks

Valuation, Metrics & Events

RBCAA Stock

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About Republic Bancorp (RBCAA)

Major Customers of Republic Bancorp (RBCAA)

Interactive Breakdown

Better Bets than Republic Bancorp (RBCAA)

Latest Trefis Analyses

Trade Ideas

Recent Active Movers

1 Day Top Gainers

1 Day Top Losers

1 Week Top Gainers

1 Week Top Losers

1 Month Top Gainers

1 Month Top Losers

Recent Active Movers

1 Day Top Gainers

1 Day Top Losers

1 Week Top Gainers

1 Week Top Losers

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for Republic Bancorp

Financials

Growth & Margins

Valuation

Returns

Comparison Analyses

FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Insider Activity

Industry Resources

External Quote Links

Market Price (12/4/2025): $69.27 | Market Cap: $1.4 Bil
Sector: Financials | Industry: Regional Banks

Market Price (12/4/2025): $69.27
Market Cap: $1.4 Bil
Sector: Financials
Industry: Regional Banks