Republic Bancorp, Inc. (RBCAA) Stock

Republic Bancorp, Inc. (RBCAA) is a Financials stock trading at $94.28 (as of 2026-08-20), with a market capitalization of $1.87B and a trailing P/E of 14.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Republic Bancorp, Inc. is a U.S. financial holding company offering banking products and related services. It operates through segments including Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions, serving customers with deposit accounts and lending products.

Understand Republic Bancorp, Inc.: how it makes money

Republic Bancorp is a U.S. financial holding company that takes deposits and makes loans (including residential and commercial real estate, construction and land development, and personal loans) and also operates mortgage-related warehouse activity, tax refund solutions, and credit solutions, earning money mainly through interest and loan-related banking activity, plus fees from these financial services.

For a bank like Republic Bancorp, earnings are primarily a function of (1) how effectively it earns on its loan portfolio and related activities, and (2) credit outcomes, reflected in net charge-offs and the returns on average assets and equity.

Business quality (Strong): Latest-quarter operating performance appears solid on reported operating margin, supported by returns on average assets and equity, with credit quality reflected in low net charge-offs. The key watch-outs are how stable loan and related credit performance remains, since deterioration would pressure returns and profitability.

Valuation: At 14× earnings, RBCAA trades 11% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Strong returns for the business: Return on Average Assets is 2.4 percent, and Return on Average Equity is 15.28 percent for the latest reported period.
Low credit losses in the latest snapshot: Net Charge-Offs to Average Loans is 0.03 percent (and Core Bank Net Charge-Offs to Average Loans is 0.02 percent), which supports earnings durability.

Bear case

Credit cycle risk: If net charge-offs rise from current levels, returns on average assets and equity would likely come under pressure because credit outcomes are central to bank profitability.
Sensitivity to mortgage and warehouse activity: Warehouse metrics and mortgage-related activities (such as lower-yielding mortgage loans sold) can affect earnings, so changes in volumes or economics could reduce profitability even if credit losses remain contained.

Valuation — source: SEC EDGAR (first-party)
Price	$94.28
Market Cap	$1.87B
P/E Ratio	14.6
EV / EBITDA	8.9
Price / Book	1.62
Price / Sales	4.57
FCF Yield	7.1%
DCF Value (model)	$135.88
DCF Upside vs Price	44.1%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$417.50M
Net Margin	31.5%
Revenue Growth (YoY)	7.9%
FCF Growth (YoY)	-102.3%

Valuation vs Sector & Industry
Stock P/E	14.6
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-3.3%
vs Industry	13.3%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	DIMENSIONAL FUND ADVISORS LP ($65.50M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Steven E. Trager
Employees	981
Country	US
IPO Date	1998-07-22

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.