Republic Bancorp (RBCAA)
Market Price (6/7/2026): $84.51 | Market Cap: $1.7 BilSector: Financials | Industry: Regional Banks
Republic Bancorp (RBCAA)
Market Price (6/7/2026): $84.51Market Cap: $1.7 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 9.8%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.4%, FCF Yield is 8.6% 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 -55% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 38%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36% Low stock price volatilityVol 12M is 26% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% | Weak revenue growthRev Chg QQuarterly Revenue Change % is -11% Key risksRBCAA key risks include [1] challenges integrating the CBank acquisition to achieve expected synergies, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.4%, FCF Yield is 8.6% |
| 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 -55% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 38%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 36% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% |
| Weak revenue growthRev Chg QQuarterly Revenue Change % is -11% |
| Key risksRBCAA key risks include [1] challenges integrating the CBank acquisition to achieve expected synergies, Show more. |
Qualitative Assessment
AI Analysis | Feedback
Republic Bancorp (RBCAA) stock has gained about 25% since 2/28/2026 because of the following key factors:
1. Republic Bancorp reported a robust earnings beat for fiscal Q1 2026, which ended March 31, 2026. The company announced earnings per share (EPS) of $2.18 on April 23, 2026, significantly surpassing the consensus estimate of $1.7613 by approximately 23.8%. This positive surprise led to a 1.43% increase in the stock price during the subsequent trading session, reflecting strong investor optimism.
2. The company demonstrated a strong commitment to shareholder returns through consistent dividend increases. On January 21, 2026, Republic Bancorp declared a 10% increase in its quarterly cash dividends, marking the 28th consecutive year of increased dividends. The quarterly cash dividend for Class A Common Stock rose to $0.495 per share. The company has a notable track record of 29 consecutive years of dividend payments.
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Stock Movement Drivers
Fundamental Drivers
The 23.4% change in RBCAA stock from 2/28/2026 to 6/6/2026 was primarily driven by a 22.9% change in the company's P/E Multiple.| (LTM values as of) | 2282026 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 68.50 | 84.50 | 23.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 406 | 396 | -2.6% |
| Net Income Margin (%) | 31.4% | 32.0% | 1.9% |
| P/E Multiple | 10.6 | 13.0 | 22.9% |
| Shares Outstanding (Mil) | 20 | 20 | 1.1% |
| Cumulative Contribution | 23.4% |
Market Drivers
2/28/2026 to 6/6/2026| Return | Correlation | |
|---|---|---|
| RBCAA | 23.4% | |
| Market (SPY) | 7.8% | 19.9% |
| Sector (XLF) | 2.2% | 35.0% |
Fundamental Drivers
The 24.1% change in RBCAA stock from 11/30/2025 to 6/6/2026 was primarily driven by a 23.7% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 68.10 | 84.50 | 24.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 406 | 396 | -2.6% |
| Net Income Margin (%) | 31.4% | 32.0% | 1.9% |
| P/E Multiple | 10.5 | 13.0 | 23.7% |
| Shares Outstanding (Mil) | 20 | 20 | 1.1% |
| Cumulative Contribution | 24.1% |
Market Drivers
11/30/2025 to 6/6/2026| Return | Correlation | |
|---|---|---|
| RBCAA | 24.1% | |
| Market (SPY) | 8.5% | 19.2% |
| Sector (XLF) | -1.1% | 42.0% |
Fundamental Drivers
The 26.5% change in RBCAA stock from 5/31/2025 to 6/6/2026 was primarily driven by a 18.4% change in the company's P/E Multiple.| (LTM values as of) | 5312025 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 66.80 | 84.50 | 26.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 394 | 396 | 0.4% |
| Net Income Margin (%) | 29.9% | 32.0% | 6.8% |
| P/E Multiple | 11.0 | 13.0 | 18.4% |
| Shares Outstanding (Mil) | 19 | 20 | -0.4% |
| Cumulative Contribution | 26.5% |
Market Drivers
5/31/2025 to 6/6/2026| Return | Correlation | |
|---|---|---|
| RBCAA | 26.5% | |
| Market (SPY) | 26.6% | 30.1% |
| Sector (XLF) | 4.2% | 51.7% |
Fundamental Drivers
The 118.3% change in RBCAA stock from 5/31/2023 to 6/6/2026 was primarily driven by a 53.4% change in the company's P/E Multiple.| (LTM values as of) | 5312023 | 6062026 | Change |
|---|---|---|---|
| Stock Price ($) | 38.71 | 84.50 | 118.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 329 | 396 | 20.2% |
| Net Income Margin (%) | 27.6% | 32.0% | 16.0% |
| P/E Multiple | 8.5 | 13.0 | 53.4% |
| Shares Outstanding (Mil) | 20 | 20 | 2.1% |
| Cumulative Contribution | 118.3% |
Market Drivers
5/31/2023 to 6/6/2026| Return | Correlation | |
|---|---|---|
| RBCAA | 118.3% | |
| Market (SPY) | 83.4% | 36.3% |
| Sector (XLF) | 72.8% | 55.5% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| RBCAA Return | 45% | -17% | 39% | 30% | 1% | 23% | 171% |
| Peers Return | 47% | -2% | -7% | 26% | -2% | 13% | 89% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 11% | 102% |
Monthly Win Rates [3] | |||||||
| RBCAA Win Rate | 75% | 25% | 58% | 58% | 58% | 83% | |
| Peers Win Rate | 65% | 43% | 42% | 55% | 52% | 67% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 67% | |
Max Drawdowns [4] | |||||||
| RBCAA Max Drawdown | -12% | -25% | -17% | -17% | -16% | -10% | |
| Peers Max Drawdown | -20% | -22% | -36% | -16% | -22% | -11% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[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 6/5/2026 (YTD)
How Low Can It Go
| Event | RBCAA | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -16.0% | -6.7% |
| % Gain to Breakeven | 19.1% | 7.1% |
| Time to Breakeven | 33 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -23.1% | -24.5% |
| % Gain to Breakeven | 30.1% | 32.4% |
| Time to Breakeven | 430 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -32.0% | -33.7% |
| % Gain to Breakeven | 47.2% | 50.9% |
| Time to Breakeven | 298 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -21.0% | -19.2% |
| % Gain to Breakeven | 26.7% | 23.8% |
| Time to Breakeven | 102 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -20.3% | -17.9% |
| % Gain to Breakeven | 25.4% | 21.8% |
| Time to Breakeven | 71 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -18.2% | -53.4% |
| % Gain to Breakeven | 22.2% | 114.4% |
| Time to Breakeven | 23 days | 1085 days |
In The Past
Republic Bancorp's stock fell -9.9% during the 2025 US Tariff Shock. Such a loss loss requires a 11.0% gain to breakeven.
Preserve Wealth
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Asset Allocation
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| Event | RBCAA | S&P 500 |
|---|---|---|
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -23.1% | -24.5% |
| % Gain to Breakeven | 30.1% | 32.4% |
| Time to Breakeven | 430 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -32.0% | -33.7% |
| % Gain to Breakeven | 47.2% | 50.9% |
| Time to Breakeven | 298 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -21.0% | -19.2% |
| % Gain to Breakeven | 26.7% | 23.8% |
| Time to Breakeven | 102 days | 105 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -20.3% | -17.9% |
| % Gain to Breakeven | 25.4% | 21.8% |
| Time to Breakeven | 71 days | 123 days |
| Summer 2007 Credit Crunch | ||
| % Loss | -21.4% | -8.6% |
| % Gain to Breakeven | 27.3% | 9.5% |
| Time to Breakeven | 136 days | 47 days |
In The Past
Republic Bancorp's stock fell -9.9% during the 2025 US Tariff Shock. Such a loss loss requires a 11.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Republic Bancorp (RBCAA)
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Analogy 1: It's like a regional bank, similar to KeyCorp or Comerica, but with a significant focus on processing tax refunds.
Analogy 2: Think of it as a regional bank, a bit like Huntington Bancshares, that also provides specialized financing to mortgage companies and offers various consumer credit solutions.
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- Deposit Accounts: Provides various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Loan Products: Offers a diverse portfolio of loans including residential and commercial real estate, construction, home equity, personal, and aircraft loans.
- Credit Cards: Issues credit cards to meet consumer spending and credit needs.
- Banking Services: Delivers comprehensive banking services, such as private banking, lockbox processing, remote deposit capture, and online and mobile banking.
- Warehouse Lending: Extends short-term and revolving credit facilities specifically to mortgage bankers.
- Tax Refund Solutions: Facilitates federal and state tax refund payments for taxpayers through third-party tax preparers.
- Prepaid Cards: Provides general-purpose reloadable prepaid cards via third-party service providers.
- Consumer Credit Products: Offers various credit products designed for individual consumers.
- Insurance Products: Provides title insurance and property and casualty insurance.
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Republic Bancorp (RBCAA) serves a diverse customer base, encompassing both individuals and various types of businesses, as well as other financial institutions and service providers for specialized solutions. Given its network of 42 full-service banking centers and broad range of offerings, it serves a wide array of customers. Its major customer categories include:
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Individual Customers: These are consumers and households utilizing the company's traditional banking services such as demand, money market, savings, and individual retirement accounts; residential real estate, home improvement and home equity, secured and unsecured personal, and aircraft loans; credit cards; consumer credit products; and property and casualty insurance products.
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Business Customers: This category includes various businesses seeking commercial real estate, construction and land development loans; demand and time deposit accounts; and specialized business services like lockbox processing, remote deposit capture, business online banking, account reconciliation, and automated clearing house processing. They also access property and casualty insurance products.
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Other Financial Institutions and Service Providers: Republic Bancorp provides specific business-to-business (B2B) services. This includes offering short-term and revolving credit facilities to mortgage bankers (through its Warehouse segment); facilitating tax refund products through third-party tax preparers and tax-preparation software providers (via its Tax Refund Solutions segment); and providing general purpose reloadable prepaid cards through third-party service providers (as part of its Republic Credit Solutions segment).
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Steven E. Trager, Executive Chair and Chief Executive Officer
Steven E. Trager joined Republic Bank & Trust Company in 1988 as General Counsel. He became President and CEO of Republic Bancorp, Inc. in 1998 and has served as Executive Chair and CEO since 2021. He provided leadership for the company's initial public offering in 1998 and also led the complex merger and reorganization of the Republic group of multiple banks into a consolidated banking structure in 1994.
Kevin D. Sipes, Executive Vice President, Chief Financial Officer and Chief Accounting Officer
Kevin D. Sipes joined Republic Bancorp, Inc. in 1995. He has served as Executive Vice President and Treasurer of both Republic Bancorp, Inc. and Republic Bank & Trust Company since January 2002, and as Chief Financial Officer of both entities since October 2000.
A. Scott Trager, President, Republic Bancorp, Inc.; Vice Chair, Republic Bank & Trust Company
A. Scott Trager has served as Vice Chair of Republic Bancorp, Inc. and its subsidiary bank since April 2017, and as Director and President of Republic Bancorp, Inc. since 2012. He previously held the role of President of the Bank from 1984 to 2017 and Vice Chair of Republic Bancorp, Inc. from 1994 to 2012. He has dedicated his entire career to various finance and banking capacities, demonstrating extensive leadership experience in marketing, operations, and retail branch management.
Logan M. Pichel, President and Chief Executive Officer, Republic Bank & Trust Company
Logan M. Pichel has served as President and Chief Executive Officer of Republic Bank & Trust Company, the company's primary subsidiary, since 2021.
Jeffrey A. Starke, Executive Vice President, Chief Information and Operating Officer
Jeffrey A. Starke joined Republic Bank & Trust Company on July 19, 2021, as Executive Vice President and Chief Information Officer, and was subsequently elevated to Chief Information and Operating Officer in 2024. Prior to joining Republic, he served at Bank OZK from 2010 to 2021, where his most recent role was Chief Technology Officer and Chair of the Information Systems Steering Committee, bringing over 20 years of experience in financial services technology and operations.
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Here are the key risks to Republic Bancorp (symbol: RBCAA):
- Loss of a Major Tax Refund Solutions (TRS) Partner: Republic Bancorp's Tax Refund Solutions (TRS) segment faces a significant risk due to the expiration of its largest Tax Provider contract in October 2025, with no new agreement for the 2026 tax season. This partner contributed 61% of TRS's ERA/RA fee income and approximately $13 million of its pre-tax net income in 2025, revenue that management does not expect to replace in 2026. This contract loss is expected to pressure the profitability and business mix of this niche segment.
- Interest Rate Sensitivity and Economic Uncertainties: Republic Bancorp's financial performance, particularly its net interest income, is highly susceptible to fluctuations in interest rates. Unfavorable shifts in the yield curve or interest rate inversions could compress the net interest margin (NIM), thereby adversely affecting profitability. Additionally, the company is exposed to broader economic uncertainties, including downturns, interest rate volatility, and liquidity risks, which are inherent threats that can impact its overall performance. The competitive environment for deposits is also influenced by interest rates, with a shift towards interest-bearing accounts putting pressure on banks to offer competitive rates.
- Intense Competition: Republic Bancorp operates in a dynamic and highly competitive banking environment. The company faces significant competition from various entities, including regional banks, larger national banks with extensive resources, credit unions, and rapidly evolving FinTech companies. This intense competition can erode Republic Bancorp's market share, particularly for deposits, and puts pressure on pricing and product offerings, requiring continuous innovation to retain customers. As a smaller regional player, RBCAA may also lack the economies of scale and technological investment capacity of larger rivals, further intensifying competitive challenges.
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Clear emerging threats to Republic Bancorp (RBCAA) include:
- The increasing market penetration and service offerings of **Fintech companies and digital-only banks**. These entities leverage technology to offer competitive rates, lower fees, and superior digital user experiences for deposits, loans, and payment services, directly threatening Republic Bancorp's Traditional Banking and Republic Credit Solutions segments.
- The dominance of **non-bank mortgage lenders**. Companies specializing in online mortgage origination have significantly streamlined the application process and often offer competitive rates, thereby challenging Republic Bancorp's Mortgage Banking operations and potentially impacting its Warehouse lending by capturing market share from traditional financial institutions.
- The rapid adoption and expansion of **digital wallets, payment apps, and alternative online lending platforms**. These platforms offer consumers direct alternatives for managing money, making payments, utilizing prepaid cards, and accessing consumer credit, thus competing with Republic Bancorp's Republic Credit Solutions and traditional banking services.
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For the public company Republic Bancorp (symbol: RBCAA), here are the addressable market sizes for their main products and services:
| Product/Service | Addressable Market Size (USD) | Region |
|---|---|---|
| Traditional Banking (Retail Banking) | 454.3 billion (2024) | U.S. |
| Commercial Banking | 1.6 trillion (2025) | U.S. |
| Residential Mortgage Originations | 2.0 trillion (2025 estimate) | U.S. |
| Commercial Real Estate Lending | 498 billion (2024) | U.S. |
| Credit Cards (Issuing Market) | 178.3 billion (2025) | U.S. |
| Tax Refund Solutions | null | U.S. |
| General Purpose Reloadable Prepaid Cards | 1.76 trillion (2024) | U.S. |
| Property and Casualty Insurance | 1.10 trillion (2025) | U.S. |
| Title Insurance | 17.1 billion (2025) | U.S. |
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Republic Bancorp (RBCAA) is positioned for future revenue growth over the next 2-3 years through several key drivers, including strategic management of its core banking operations, the continued strength of its specialized lending segments, ongoing technological advancements, and potential inorganic growth opportunities.
- Net Interest Income Growth through Loan and Deposit Expansion: Republic Bancorp's ability to grow its net interest income (NII) is a significant driver. The company has shown consistent growth in its outstanding loans and net interest margin (NIM) historically. In 2025, the company's net interest margin expanded due to a reduced cost of deposits within its Core Bank segment and an improved yield on interest-earning assets, reflecting strategic balance sheet management. Total period-end deposits also rose by 5% in 2025, alongside an increase in total loans, indicating robust performance in the credit market and effective liquidity management that should continue to fuel NII.
- Performance and Expansion of Diversified Banking Segments: The company's five distinct operating segments—Traditional Banking, Warehouse Lending, Mortgage Banking, Tax Refund Solutions (TRS), and Republic Credit Solutions—each contributed to year-over-year net income growth in 2025. Specifically, the Warehouse segment saw average outstanding balances increase by 18% in 2025. Mortgage banking income also experienced a substantial 36% increase due to strengthened market activity. Furthermore, the Tax Refund Solutions segment delivered meaningful earnings growth in 2025, driven by disciplined pricing strategies and rigorous risk management. Continued strong performance and potential expansion within these diversified segments are expected to drive future revenue.
- Technological Innovation and Digital Transformation: Republic Bancorp has identified opportunities to enhance its digital capabilities, cybersecurity, and operational infrastructure to meet evolving customer expectations and compete effectively with FinTech companies. Key initiatives planned for 2025 include a digital transformation program, a core banking system upgrade, and the rebuilding of mobile and banking applications with a goal of offering a "super app" by late 2025. These investments are aimed at improving efficiency, enhancing the customer experience, and potentially unlocking new revenue streams.
- Strategic Acquisitions and Partnerships: Republic Bancorp's financial stability positions it to explore strategic acquisitions or partnerships that align with its growth objectives. Such initiatives could enable the company to expand its geographical footprint, broaden its product offerings, and access new customer segments, thereby driving long-term revenue growth and profitability.
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Share Repurchases
- Republic Bancorp announced a new stock repurchase program on October 8, 2024. The specifics regarding the dollar amount authorized were not detailed in the initial public summary.
Share Issuance
- There is no readily available information indicating significant common stock issuances by Republic Bancorp over the last 3-5 years.
Inbound Investments
- There is no information available regarding large strategic investments made directly in Republic Bancorp by third parties, such as strategic partners or private equity firms, over the last 3-5 years.
Outbound Investments
- In March 2023, Republic Bank completed the acquisition of CBank and its wholly-owned subsidiary, Commercial Industrial Finance, Inc. (CIF), for approximately $51 million in cash. This acquisition aimed to expand Republic's presence in the Cincinnati metropolitan area and grow its equipment financing and leasing operations.
- On February 20, 2026, Republic Bancorp divested substantially all assets of its Republic Bank Finance (RBF) division to CAN Capital Merchant Services, Inc. This transaction involved approximately $81 million in loans and leases and around $1 million in related liabilities. This divestiture, following the March 2023 acquisition of CBank which included RBF, is expected to result in an estimated pre-tax gain of roughly $6 million for Republic Bancorp in the first quarter of 2026.
Capital Expenditures
- Republic Bancorp's capital expenditures were approximately $2.47 million, $3.28 million, $1.63 million, $0.935 million, $1.50 million, and $1.29 million, though specific annual breakdowns for the entire 3-5 year period require further detail from company financial statements.
Latest Trefis Analyses
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|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 63.78 |
| Mkt Cap | 1.6 |
| Rev LTM | 386 |
| Op Inc LTM | - |
| FCF LTM | 144 |
| FCF 3Y Avg | 123 |
| CFO LTM | 155 |
| CFO 3Y Avg | 131 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 11.6% |
| Rev Chg 3Y Avg | 7.5% |
| Rev Chg Q | 9.5% |
| QoQ Delta Rev Chg LTM | 2.2% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 39.1% |
| CFO/Rev 3Y Avg | 39.5% |
| FCF/Rev LTM | 36.6% |
| FCF/Rev 3Y Avg | 37.6% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.6 |
| P/S | 4.3 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 12.7 |
| P/CFO | 11.1 |
| Total Yield | 10.6% |
| Dividend Yield | 2.4% |
| FCF Yield 3Y Avg | 9.8% |
| D/E | 0.1 |
| Net D/E | -0.5 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 1.2% |
| 3M Rtn | 11.4% |
| 6M Rtn | 15.0% |
| 12M Rtn | 21.2% |
| 3Y Rtn | 68.4% |
| 1M Excs Rtn | 1.6% |
| 3M Excs Rtn | 1.9% |
| 6M Excs Rtn | 6.3% |
| 12M Excs Rtn | 0.2% |
| 3Y Excs Rtn | 14.5% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Traditional Banking | 242 | 234 | 203 | 189 | 187 |
| Republic Credit Solutions | 65 | 97 | 42 | 34 | 28 |
| Tax Refund Solutions | 50 | 46 | 52 | 40 | 46 |
| Republic Payment Solutions | 15 | 19 | 8 | ||
| Warehouse Lending | 13 | 9 | 14 | 25 | 26 |
| Mortgage Banking | 7 | 21 | 33 | ||
| Total | 385 | 406 | 327 | 309 | 319 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Traditional Banking | 56 | 47 | 41 | 36 | 20 |
| Republic Credit Solutions | 24 | 18 | 17 | 16 | 17 |
| Republic Payment Solutions | 9 | 12 | 4 | ||
| Warehouse Lending | 7 | 5 | 9 | 16 | 16 |
| Tax Refund Solutions | 6 | 9 | 23 | 13 | 12 |
| Mortgage Banking | -2 | 7 | 18 | ||
| Total | 101 | 90 | 91 | 88 | 83 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Traditional Banking | 5,608 | 5,520 | 4,895 | 4,718 | 4,750 |
| Warehouse Lending | 552 | 340 | 405 | 851 | 963 |
| Republic Payment Solutions | 335 | 366 | 363 | ||
| Tax Refund Solutions | 218 | 229 | 46 | 372 | 286 |
| Republic Credit Solutions | 134 | 140 | 113 | 110 | 107 |
| Mortgage Banking | 14 | 44 | 62 | ||
| Total | 6,847 | 6,595 | 5,836 | 6,094 | 6,168 |
Price Behavior
| Market Price | $84.50 | |
| Market Cap ($ Bil) | 1.7 | |
| First Trading Date | 07/22/1998 | |
| Distance from 52W High | 0.0% | |
| 50 Days | 200 Days | |
| DMA Price | $75.96 | $71.62 |
| DMA Trend | up | up |
| Distance from DMA | 11.2% | 18.0% |
| 3M | 1YR | |
| Volatility | 27.2% | 26.2% |
| Downside Capture | 3.24 | 54.51 |
| Upside Capture | 80.13 | 65.09 |
| Correlation (SPY) | 20.2% | 31.1% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.76 | 0.31 | 0.37 | 0.41 | 0.68 | 0.72 |
| Up Beta | 0.70 | 0.29 | 0.35 | 0.67 | 1.05 | 0.80 |
| Down Beta | 1.32 | 0.51 | 0.26 | 0.39 | 0.51 | 0.62 |
| Up Capture | 92% | 60% | 65% | 44% | 53% | 53% |
| Bmk +ve Days | 13 | 28 | 36 | 67 | 141 | 432 |
| Stock +ve Days | 12 | 24 | 36 | 64 | 123 | 379 |
| Down Capture | 24% | -32% | 11% | 13% | 65% | 86% |
| Bmk -ve Days | 7 | 13 | 27 | 57 | 109 | 318 |
| Stock -ve Days | 8 | 17 | 27 | 60 | 126 | 365 |
[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 | 26.8% | 26.3% | 0.87 | - |
| Sector ETF (XLF) | 4.6% | 14.6% | 0.09 | 51.6% |
| Equity (SPY) | 25.3% | 12.1% | 1.57 | 30.0% |
| Gold (GLD) | 27.6% | 26.9% | 0.88 | -6.1% |
| Commodities (DBC) | 36.9% | 19.0% | 1.52 | -17.0% |
| Real Estate (VNQ) | 12.5% | 13.3% | 0.63 | 45.2% |
| Bitcoin (BTCUSD) | -42.0% | 42.5% | -1.16 | 12.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RBCAA | |
|---|---|---|---|---|
| RBCAA | 16.0% | 27.9% | 0.54 | - |
| Sector ETF (XLF) | 8.5% | 18.6% | 0.34 | 56.0% |
| Equity (SPY) | 13.5% | 17.1% | 0.62 | 40.1% |
| Gold (GLD) | 17.3% | 18.1% | 0.78 | -2.1% |
| Commodities (DBC) | 9.5% | 19.4% | 0.38 | 4.7% |
| Real Estate (VNQ) | 3.2% | 18.8% | 0.07 | 41.6% |
| Bitcoin (BTCUSD) | 11.3% | 54.6% | 0.40 | 15.1% |
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 | 14.8% | 32.9% | 0.50 | - |
| Sector ETF (XLF) | 12.6% | 22.2% | 0.52 | 63.7% |
| Equity (SPY) | 15.3% | 17.9% | 0.73 | 49.6% |
| Gold (GLD) | 13.0% | 16.0% | 0.67 | -5.4% |
| Commodities (DBC) | 7.1% | 18.0% | 0.32 | 15.4% |
| Real Estate (VNQ) | 5.6% | 20.7% | 0.24 | 47.2% |
| Bitcoin (BTCUSD) | 63.3% | 66.9% | 1.03 | 14.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Updated 6/2/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 6.0% | 3.5% | 9.8% |
| 1/30/2026 | 1.7% | 4.2% | -2.2% |
| 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% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 17 | 14 | 13 |
| # Negative | 7 | 10 | 11 |
| Median Positive | 1.4% | 3.6% | 6.3% |
| Median Negative | -1.5% | -3.8% | -5.1% |
| Max Positive | 6.0% | 10.4% | 18.0% |
| Max Negative | -2.5% | -7.4% | -7.7% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/06/2026 | 10-K |
| 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 |
Insider Activity
Updated 5/12/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Sanchez, Alejandro M | Direct | Sell | 3022026 | 71.04 | 1,044 | Form | |||
| 2 | Trager, Scott | VICE CHAIRMAN | 401(k) Plan | Buy | 3022026 | 71.13 | 148 | 10,500 | 4,103,078 | Form |
| 3 | Starke, Jeff | EVP, CHIEF INFORMATION OFFICER | Direct | Sell | 12152025 | 73.31 | 137 | 10,043 | 423,218 | Form |
| 4 | Ames, Christy | EVP, GENERAL COUNSEL | Direct | Sell | 9172025 | 75.79 | 400 | 30,316 | 359,134 | Form |
| 5 | Montano, Juan | EVP, CHIEF MTG BANKING OFFICER | 401(k) Plan | Sell | 9152025 | 75.53 | 1,223 | 92,391 | 334,891 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
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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