Republic Bancorp (RBCAA) Stock Price, News & Analysis

Company Overview

Republic Bancorp, Inc. is a bank holding company headquartered in Louisville, Kentucky, serving communities across Kentucky and Tennessee through its principal subsidiary, Republic Bank & Trust Company. Founded in the mid-1970s, the company has grown from a single community bank into a regional financial institution offering a comprehensive suite of banking and financial services to individuals, small businesses, and corporations.

In its commercial banking division, Republic Bancorp provides traditional deposit accounts—including checking, savings, certificates of deposit, and money market accounts—alongside a range of lending solutions. These lending products cover commercial real estate, construction, equipment financing, working capital lines of credit and specialized agriculture loans. The company also delivers treasury management services, merchant card processing, and online banking platforms designed to streamline cash flow and payment processes for business customers.

Complementing its banking operations, Republic Bancorp offers trust and wealth management services through its Republic Trust subsidiary. These services include investment management, estate planning, retirement planning and fiduciary administration. The company’s team of trust officers and financial advisors works with high-net-worth individuals, families, and corporate fiduciaries to develop tailored strategies for asset preservation, tax efficiency and intergenerational wealth transfer.

Over its several decades of operation, Republic Bancorp has emphasized community engagement and service excellence. Under the leadership of Stephen C. Lash, who serves as president, chief executive officer and board chairman, the company has expanded its branch network and digital capabilities while maintaining strong local relationships. Republic Bancorp’s executive team and board of directors bring extensive experience in banking, risk management and regulatory compliance, supporting the company’s ongoing commitment to prudent growth and customer-focused solutions.

Key Stats

• Today's Range: $74.04 to $75.58
• 50-Day Range: $67.84 to $77.55
• 52-Week Range: $54.88 to $80.68
• Volume: 89,537 shs
• Average Volume: 29,099 shs
• Market Capitalization: $1.45 billion
• P/E Ratio: 12.22
• Dividend Yield: 2.43%
• Price Target: $69.00
• Consensus Rating: Hold

Republic Bancorp Stock Analysis - MarketRank™

Republic Bancorp scored higher than 39% of companies evaluated by MarketBeat, and ranked 719th 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 12.22, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Republic Bancorp is 12.22, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Republic Bancorp has a P/B Ratio of 1.45. 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 2.43%, 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: 2.0 / 5
• News Sentiment: 0.62

News Sentiment

Republic Bancorp has a news sentiment score of 0.62. 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 is a lower news sentiment than the 0.94 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Republic Bancorp this week, compared to 2 articles on an average week.

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 on January 1st, 2025. Since then, RBCAA shares have increased by 6.2% and is now trading at $74.17.

How were Republic Bancorp's earnings last quarter?

Republic Bancorp, Inc. (NASDAQ:RBCAA) announced its earnings results on Thursday, April, 24th. The bank reported $2.42 earnings per share (EPS) for the quarter, topping the consensus estimate of $1.86 by $0.56. The bank earned $135.84 million during the quarter, compared to analysts' expectations of $126.90 million. Republic Bancorp had a trailing twelve-month return on equity of 11.92% and a net margin of 22.94%.

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 4/18 Dividend: 3/21/2025
• Ex-Dividend for 4/18 Dividend: 3/21/2025
• Dividend Payable: 4/18/2025
• Last Earnings: 4/24/2025
• Record date for 7/18 Dividend: 6/20/2025
• Ex-Dividend for 7/18 Dividend: 6/20/2025
• Today: 7/13/2025
• Dividend Payable: 7/18/2025
• Next Earnings (Estimated): 7/18/2025
• 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: -7.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.07
• Trailing P/E Ratio: 12.22
• 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: 2.86
• Cash Flow: $5.80 per share
• Price / Cash Flow: 12.79
• Book Value: $51.01 per share
• Price / Book: 1.45

Miscellaneous

• Outstanding Shares: 19,520,000
• Free Float: 8,513,000
• Market Cap: $1.45 billion
• Optionable: Optionable
• Beta: 0.52