Stock AnalizRepublic Bancorp Inc. RBCAA
Major Banks · IPO 1998 · data as of November 13, 2026
Republic Bancorp Inc. (RBCAA) is a financial company listed in the US with a market value of about $1.8B. In the twelve months to September 30, 2026 it had revenue of $420M and net income of $129M, a net margin of 30.8%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 14.0, a price to free cash flow of 12.6, 5-year revenue growth of 6% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 31% below the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $420M | $417M | $385M | $360M | $327M | $309M | $319M | $311M | $289M | $257M | $214M |
| Net income | $129M | $131M | $101M | $90M | $91M | $88M | $83M | $92M | $78M | $46M | $46M |
| Free cash flow | $142M | $161M | $143M | $102M | $151M | $94M | $72M | $92M | $109M | $65M | $41M |
| EPS (diluted) | $6.51 | $6.63 | $5.14 | $4.55 | $4.53 | $4.22 | $3.95 | $4.34 | $3.70 | $2.17 | $2.19 |
| Net margin | 30.8% | 31.4% | 26.3% | 25.1% | 27.9% | 28.3% | 26.1% | 29.5% | 26.9% | 17.8% | 21.5% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 1 analysts is $95.00, 4% above the current price; targets range from $95.00 to $95.00; the consensus rating is “none”; expected EPS is $6.98 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Republic Bancorp’s P/E ratio?
About 14.0, based on the last twelve months of diluted earnings per share (forward P/E about 12.5).
Is Republic Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 31% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Republic Bancorp pay a dividend?
Yes. The dividend yield is about 2.17%, and it has paid dividends for 10 years in our data.
Is Republic Bancorp a good stock to buy?
We do not give buy or sell advice. Republic Bancorp scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.