Republic Bancorp (RBCA.A) Stock Overview

Operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. More details

RBCA.A fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 38.1% below our estimate of its fair value

Earnings grew by 27.1% over the past year

Pays a reliable dividend of 2.4%

Risk Analysis

Earnings are forecast to decline by an average of 0.7% per year for the next 3 years

RBCA.A Community Fair Values

Create Narrative

See what others think this stock is worth. Follow their fair value or set your own to get alerts.

Republic Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Republic Bancorp
Historical stock prices
Current Share Price	US$75.26
52 Week High	US$80.68
52 Week Low	US$54.88
Beta	0.54
1 Month Change	10.37%
3 Month Change	19.52%
1 Year Change	28.69%
3 Year Change	54.92%
5 Year Change	146.19%
Change since IPO	509.86%

Recent updates

Should You Be Adding Republic Bancorp (NASDAQ:RBCA.A) To Your Watchlist Today?

Apr 18

Republic Bancorp (NASDAQ:RBCA.A) Ticks All The Boxes When It Comes To Earnings Growth

Dec 19

Republic Bancorp (NASDAQ:RBCA.A) Is Increasing Its Dividend To $0.374

Feb 19

Industry Analysts Just Upgraded Their Republic Bancorp, Inc. (NASDAQ:RBCA.A) Revenue Forecasts By 10%

Feb 02

Republic Bancorp (NASDAQ:RBCA.A) Is Increasing Its Dividend To $0.374

Feb 01

Republic Bancorp (NASDAQ:RBCA.A) Will Pay A Larger Dividend Than Last Year At US$0.34

Jan 30

Should You Be Adding Republic Bancorp (NASDAQ:RBCA.A) To Your Watchlist Today?

Jan 24

Here's Why Shareholders May Consider Paying Republic Bancorp, Inc.'s (NASDAQ:RBCA.A) CEO A Little More

Apr 16

There's A Lot To Like About Republic Bancorp's (NASDAQ:RBCA.A) Upcoming US$0.31 Dividend

Mar 13

Shareholder Returns

	RBCA.A	US Banks	US Market
7D	-0.3%	-0.4%	0.6%
1Y	28.7%	24.9%	11.4%

Return vs Industry: RBCA.A exceeded the US Banks industry which returned 24.5% over the past year.

Return vs Market: RBCA.A exceeded the US Market which returned 11.4% over the past year.

Price Volatility

Is RBCA.A's price volatile compared to industry and market?
RBCA.A volatility
RBCA.A Average Weekly Movement	3.4%
Banks Industry Average Movement	3.7%
Market Average Movement	6.4%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: RBCA.A has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: RBCA.A's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1974	989	Steve Trager	www.republicbank.com

Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial loan, construction and land development, secured and unsecured personal loans, and aircraft loans; service charges on deposit accounts, debit and credit card interchange fee income, title insurance commissions; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and other services.

Republic Bancorp, Inc. Fundamentals Summary

How do Republic Bancorp's earnings and revenue compare to its market cap?
RBCA.A fundamental statistics
Market cap	US$1.45b
Earnings (TTM)	US$118.03m
Revenue (TTM)	US$358.93m

12.4x

P/E Ratio

1.4x

P/B Ratio

Is RBCA.A overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
RBCA.A income statement (TTM)
Revenue	US$358.93m
Cost of Revenue	US$0
Gross Profit	US$358.93m
Other Expenses	US$240.90m
Earnings	US$118.03m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	6.05
Gross Margin	100.00%
Net Profit Margin	32.88%
Debt/Equity Ratio	45.3%

How did RBCA.A perform over the long term?

See historical performance and comparison

Dividends

2.4%

Current Dividend Yield

28%

Payout Ratio

Does RBCA.A pay a reliable dividends?

See RBCA.A dividend history and benchmarks

When do you need to buy RBCA.A by to receive an upcoming dividend?
Republic Bancorp dividend dates
Ex Dividend Date	Jun 20 2025
Dividend Pay Date	Jul 18 2025
Days until Ex dividend	25 days
Days until Dividend pay date	3 days

Does RBCA.A pay a reliable dividends?

See RBCA.A dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/07/14 06:07
End of Day Share Price	2025/07/14 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Republic Bancorp, Inc. is covered by 5 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Brendan Nosal	Hovde Group, LLC
Brendan Nosal	Piper Sandler Companies
David Long	Raymond James & Associates

Republic Bancorp (RBCA.A) Stock Overview

Rewards

Risk Analysis

Republic Bancorp, Inc. Competitors

S&T Bancorp

TriCo Bancshares

Veritex Holdings

1st Source

Price History & Performance

Recent News & Updates

Republic Bancorp, Inc.(NasdaqGS:RBCA.A) dropped from Russell 3000E Value Index

Upcoming dividend of US$0.45 per share

First quarter dividend of US$0.45 announced

Republic Bancorp, Inc. Declares Class A and Class B Common Stock Dividends, Payable on July 18, 2025

Price target increased by 7.8% to US$69.00

First quarter 2025 earnings: EPS and revenues exceed analyst expectations

Recent updates

Republic Bancorp, Inc.(NasdaqGS:RBCA.A) dropped from Russell 3000E Value Index

Upcoming dividend of US$0.45 per share

First quarter dividend of US$0.45 announced

Republic Bancorp, Inc. Declares Class A and Class B Common Stock Dividends, Payable on July 18, 2025

Price target increased by 7.8% to US$69.00

First quarter 2025 earnings: EPS and revenues exceed analyst expectations

Should You Be Adding Republic Bancorp (NASDAQ:RBCA.A) To Your Watchlist Today?

Price target decreased by 11% to US$64.00

Republic Bancorp, Inc., Annual General Meeting, Apr 24, 2025

Upcoming dividend of US$0.45 per share

Full year 2024 earnings: EPS misses analyst expectations

Director exercised options and sold US$263k worth of stock

Insider recently sold US$203k worth of stock

Fourth quarter dividend increased to US$0.45

Republic Bancorp, Inc. Declares Common Stock Dividend, Payable on April 18, 2025

Price target decreased by 7.7% to US$72.00

Republic Bancorp (NASDAQ:RBCA.A) Ticks All The Boxes When It Comes To Earnings Growth

Upcoming dividend of US$0.41 per share

Third quarter dividend of US$0.41 announced

Republic Bancorp, Inc. Declares Common Stock Dividend, Payable on January 17, 2025

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

Upcoming dividend of US$0.41 per share

Insider recently sold US$174k worth of stock

Executive VP recently sold US$656k worth of stock

Executive VP notifies of intention to sell stock

First quarter 2024 earnings released: EPS: US$1.56 (vs US$1.41 in 1Q 2023)

First quarter dividend of US$0.41 announced

Republic Bancorp, Inc. Declares Quarterly Cash Dividend of Class A Common Stock, Class B Common Stock, Payable October 18, 2024

Investor sentiment improves as stock rises 18%

Upcoming dividend of US$0.41 per share

First quarter dividend of US$0.41 announced

Republic Bancorp, Inc. Declares Quarterly Cash Dividend of Class A Common Stock, Class B Common Stock, Payable July 19, 2024

Republic Bancorp, Inc. Elects Yoania Cannon as Director Nominee to the Board

First quarter 2024 earnings released: EPS: US$1.58 (vs US$1.41 in 1Q 2023)

Republic Bancorp, Inc., Annual General Meeting, Apr 25, 2024

Full year 2023 earnings released: EPS: US$4.57 (vs US$4.55 in FY 2022)

Upcoming dividend of US$0.41 per share

Fourth quarter dividend increased to US$0.41

Full year 2023 earnings released: EPS: US$4.65 (vs US$4.55 in FY 2022)

Republic Bancorp, Inc. Increases Quarterly Cash Dividend of Class A Common Stock, Class B Common Stock, Payable April 19, 2024

Director exercised options and sold US$1.8m worth of stock

Upcoming dividend of US$0.37 per share at 3.1% yield

Insider recently sold US$255k worth of stock

Republic Bancorp, Inc. Declares Common Stock Dividends, Payable on January 19, 2024

Third quarter 2023 earnings: EPS exceeds analyst expectations

Republic Bancorp, Inc. to Report Q3, 2023 Results on Oct 20, 2023

Upcoming dividend of US$0.37 per share at 3.4% yield

Republic Bancorp, Inc. Declares Common Stock Dividends, Payable on October 20, 2023

Second quarter 2023 earnings: Revenues exceed analysts expectations while EPS lags behind

Upcoming dividend of US$0.37 per share at 3.1% yield

Republic Bancorp, Inc. Declares Common Stock Dividends, Payable July 21, 2023

First quarter 2023 earnings: EPS and revenues miss analyst expectations

Upcoming dividend of US$0.37 per share at 3.5% yield

Republic Bancorp (NASDAQ:RBCA.A) Is Increasing Its Dividend To $0.374

Consensus revenue estimates increase by 10%

Industry Analysts Just Upgraded Their Republic Bancorp, Inc. (NASDAQ:RBCA.A) Revenue Forecasts By 10%

Republic Bancorp (NASDAQ:RBCA.A) Is Increasing Its Dividend To $0.374

Republic Bancorp, Inc. Declares Quarterly Dividend on Class A Common Stock and Class B Common Stock, Payable April 21, 2023

Full year 2022 earnings: EPS and revenues exceed analyst expectations

Upcoming dividend of US$0.34 per share

Craig Greenberg to Resign from Republic Bancorp, Inc. and Republic Bank & Trust Company Board of Directors and All Committees

Republic Bancorp, Inc. Declares Cash Dividend, Payable on January 20, 2023

Third quarter 2022 earnings: EPS and revenues exceed analyst expectations