Stock Scorecard
Stock Summary for Republic Bancorp Inc (KY) - Class A (RBCAA) - $69.98 as of 10/23/2025 7:57:43 AM EST
Total Score
17 out of 30
Safety Score
56 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for RBCAA
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for RBCAA
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for RBCAA
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for RBCAA
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for RBCAA (56 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for RBCAA
Financial Details for RBCAA
Company Overview |
|
|---|---|
| Ticker | RBCAA |
| Company Name | Republic Bancorp Inc (KY) - Class A |
| Country | USA |
| Description | Republic Bancorp, Inc. (RBCAA) is a financial holding company based in Louisville, Kentucky, providing a comprehensive range of banking products and services primarily within the United States. With a focus on delivering tailored solutions to both individual and commercial clients, the company operates through its wholly-owned bank subsidiary which emphasizes community banking, mortgage lending, and investment services. Republic Bancorp’s commitment to customer service and innovation positions it as a competitive player in the regional banking sector, leveraging technology to enhance customer experiences and operational efficiency. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 69.98 |
| Price 4 Years Ago | 45.43 |
| Last Day Price Updated | 10/23/2025 7:57:43 AM EST |
| Last Day Volume | 27,337 |
| Average Daily Volume | 26,773 |
| 52-Week High | 78.67 |
| 52-Week Low | 56.09 |
| Last Price to 52 Week Low | 24.76% |
Valuation Measures |
|
| Trailing PE | 10.73 |
| Industry PE | 17.20 |
| Sector PE | 24.14 |
| 5-Year Average PE | 11.68 |
| Free Cash Flow Ratio | 2.51 |
| Industry Free Cash Flow Ratio | 6.15 |
| Sector Free Cash Flow Ratio | 42.26 |
| Current Ratio Most Recent Quarter | 20.47 |
| Total Cash Per Share | 27.85 |
| Book Value Per Share Most Recent Quarter | 55.51 |
| Price to Book Ratio | 1.31 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 3.61 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.02 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.86 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 17,387,000 |
| Market Capitalization | 1,216,742,260 |
| Institutional Ownership | 29.11% |
Dividends |
|
| Ex-Dividend Date | 9/19/2025 |
| Previous Dividend Amount | 0.4510 |
| Current Dividend Amount | 0.4510 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.76 |
| Trailing Annual Dividend Yield | 2.48% |
| Forward Annual Dividend Rate | 1.80 |
| Forward Annual Dividend Yield | 2.54% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.38% |
| 5-Year Average Dividend Yield | 2.89% |
| 1-Year Dividend Growth Rate Percentage | 10.81% |
| 3-Year Dividend Growth Rate Percentage | 5.27% |
| 5-Year Dividend Growth Rate Percentage | 10.00% |
| All-Time Dividend Growth Rate Percentage | 11.92% |
| Dividend Payout Ratio | 27.63% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 11.70% |
| Annual Earnings Growth | 12.17% |
| Reported EPS 12 Trailing Months | 6.52 |
| Reported EPS Past Year | 5.51 |
| Reported EPS Prior Year | 5.23 |
| Net Income Twelve Trailing Months | 124,311,000 |
| Net Income Past Year | 101,371,000 |
| Net Income Prior Year | 90,374,000 |
| Quarterly Revenue Growth YOY | 11.00% |
| 5-Year Revenue Growth | 7.81% |
| Operating Margin Twelve Trailing Months | 42.10% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 484,238,000 |
| Total Cash Past Year | 432,151,000 |
| Total Cash Prior Year | 316,567,000 |
| Net Cash Position Most Recent Quarter | 114,238,000 |
| Net Cash Position Past Year | 37,151,000 |
| Long Term Debt Past Year | 395,000,000 |
| Long Term Debt Prior Year | 380,000,000 |
| Total Debt Most Recent Quarter | 370,000,000 |
| Equity to Debt Ratio Past Year | 0.72 |
| Equity to Debt Ratio Most Recent Quarter | 0.75 |
| Total Stockholder Equity Past Year | 992,029,000 |
| Total Stockholder Equity Prior Year | 912,756,000 |
| Total Stockholder Equity Most Recent Quarter | 1,084,520,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 169,089,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 9.73 |
| Free Cash Flow Past Year | 143,190,000 |
| Free Cash Flow Prior Year | 101,635,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -1.03 |
| MACD Signal | -0.90 |
| 20-Day Bollinger Lower Band | 65.91 |
| 20-Day Bollinger Middle Band | 72.30 |
| 20-Day Bollinger Upper Band | 78.69 |
| Beta | 0.55 |
| RSI | 37.90 |
| 50-Day SMA | 54.40 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 51.05 |
System |
|
| Modified | 10/23/2025 7:57:46 AM EST |