Republic Bancorp (RBCAA) Stock Price, News & Analysis

Company Overview

Republic Bancorp, Inc. (NASDAQ: RBCAA) is a bank holding company headquartered in Louisville, Kentucky, operating through its primary subsidiary, Republic Bank & Trust Company. Established in 1982, the organization provides a full range of retail and commercial banking services to individuals, businesses and municipalities. Republic Bancorp’s products include deposit accounts, mortgage lending, home equity loans and business financing options designed to meet the needs of its community-based clientele.

Through its branch network and digital platforms, Republic Bancorp offers checking and savings accounts, money market accounts, certificates of deposit and consumer installment loans. The company also delivers commercial and real estate lending solutions, including construction financing, term loans and lines of credit for small to mid-sized enterprises. Complementary services such as merchant payment processing, cash management and treasury services support clients’ everyday operational requirements.

Republic Bancorp serves markets across Kentucky, southern Indiana, Ohio and Tennessee, with a strategic presence in metropolitan areas such as Louisville, Cincinnati, Columbus and Nashville. Its branch footprint is augmented by online and mobile banking capabilities, enabling customers to access account information, initiate transfers and apply for loans remotely. The bank emphasizes local decision-making, with experienced relationship managers embedded in each community to foster personalized service.

Since its founding, Republic Bancorp has pursued balanced growth through organic expansion and selective acquisitions, maintaining a focus on risk management and capital strength. An experienced executive leadership team and board of directors oversee the company’s strategic direction, while a commitment to community reinvestment and customer satisfaction underpins its long-term objectives. This regional banking franchise continues to evolve its product offerings and delivery channels to meet changing customer preferences and market conditions.

Key Stats

• Today's Range: $74.88 to $77.94
• 50-Day Range: $67.84 to $77.55
• 52-Week Range: $54.88 to $80.68
• Volume: 55,973 shs
• Average Volume: 29,473 shs
• Market Capitalization: $1.48 billion
• P/E Ratio: 12.47
• Dividend Yield: 2.38%
• Price Target: $69.00
• Consensus Rating: Hold

Republic Bancorp Stock Analysis - MarketRank™

Republic Bancorp scored higher than 44% of companies evaluated by MarketBeat, and ranked 692nd out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

Republic Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Republic Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Republic Bancorp is 12.47, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.53.

Price to Earnings Ratio vs. Sector

The P/E ratio of Republic Bancorp is 12.47, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

Republic Bancorp has a P/B Ratio of 1.48. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.01% of the float of Republic Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Republic Bancorp has a short interest ratio ("days to cover") of 1.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Republic Bancorp has recently increased by 2.52%, indicating that investor sentiment is decreasing.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Republic Bancorp pays a meaningful dividend of 2.39%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Republic Bancorp has been increasing its dividend for 27 years.

Dividend Coverage

The dividend payout ratio of Republic Bancorp is 29.65%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.01% of the float of Republic Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Republic Bancorp has a short interest ratio ("days to cover") of 1.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Republic Bancorp has recently increased by 2.52%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 0.70

News Sentiment

Republic Bancorp has a news sentiment score of 0.70. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Republic Bancorp this week, compared to 2 articles on an average week.

MarketBeat Follows

1 people have added Republic Bancorp to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Republic Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $49,350.00 in company stock.

Percentage Held by Insiders

56.40% of the stock of Republic Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 24.37% of the stock of Republic Bancorp is held by institutions.

RBCAA Stock Analysis - Frequently Asked Questions

How have RBCAA shares performed this year?

Republic Bancorp's stock was trading at $69.87 at the beginning of 2025. Since then, RBCAA shares have increased by 8.3% and is now trading at $75.68.

How were Republic Bancorp's earnings last quarter?

Republic Bancorp, Inc. (NASDAQ:RBCAA) released its quarterly earnings results on Friday, July, 18th. The bank reported $1.61 earnings per share for the quarter, topping analysts' consensus estimates of $1.42 by $0.19. The bank earned $93 million during the quarter, compared to the consensus estimate of $93.50 million. Republic Bancorp had a trailing twelve-month return on equity of 11.92% and a net margin of 22.94%.

Who are Republic Bancorp's major shareholders?

Republic Bancorp's top institutional shareholders include Crew Capital Management Ltd. (0.03%), Public Employees Retirement System of Ohio (0.01%) and Painted Porch Advisors LLC (0.01%). Insiders that own company stock include Kevin D Sipes, Scott Trager, Steven E Deweese, John T Rippy, Michael T Rust, Juan Montano, Heather V Howell, Christy Ames, David P Feaster and Pedro A Bryant.
View institutional ownership trends.

How do I buy shares of Republic Bancorp?

Shares of RBCAA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Record date for 7/18 Dividend: 6/20/2025
• Ex-Dividend for 7/18 Dividend: 6/20/2025
• Last Earnings: 7/18/2025
• Dividend Payable: 7/18/2025
• Today: 7/19/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:RBCAA
• CIK: 921557
• Web: www.republicbank.com
• Phone: (502) 584-3600
• Fax: 502-560-8633
• Employees: 1,010
• Year Founded: 1982

Price Target and Rating

• Average Price Target for Republic Bancorp: $69.00
• High Price Target: $69.00
• Low Price Target: $69.00
• Potential Upside/Downside: -8.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.07
• Trailing P/E Ratio: 12.47
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $101.37 million
• Net Margins: 22.94%
• Pretax Margin: 28.95%
• Return on Equity: 11.92%
• Return on Assets: 1.73%

Debt

• Debt-to-Equity Ratio: 0.36
• Current Ratio: 1.10
• Quick Ratio: 1.09

Sales & Book Value

• Annual Sales: $505.64 million
• Price / Sales: 2.92
• Cash Flow: $5.80 per share
• Price / Cash Flow: 13.04
• Book Value: $51.01 per share
• Price / Book: 1.48

Miscellaneous

• Outstanding Shares: 19,520,000
• Free Float: 8,513,000
• Market Cap: $1.48 billion
• Optionable: Optionable
• Beta: 0.52