Republic Bancorp (RBCAA) Competitors

Republic Bancorp (NASDAQ:RBCAA) and First Financial Bankshares (NASDAQ:FFIN) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, valuation, community ranking, media sentiment, dividends, risk, profitability and institutional ownership.

Is RBCAA or FFIN more profitable?

First Financial Bankshares has a net margin of 29.69% compared to Republic Bancorp's net margin of 20.05%. First Financial Bankshares' return on equity of 14.24% beat Republic Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Republic Bancorp	20.05%	10.60%	1.51%
First Financial Bankshares	29.69%	14.24%	1.66%

Is RBCAA or FFIN a better dividend stock?

Republic Bancorp pays an annual dividend of $1.80 per share and has a dividend yield of 2.6%. First Financial Bankshares pays an annual dividend of $0.76 per share and has a dividend yield of 2.1%. Republic Bancorp pays out 29.7% of its earnings in the form of a dividend. First Financial Bankshares pays out 46.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Republic Bancorp has raised its dividend for 27 consecutive years and First Financial Bankshares has raised its dividend for 15 consecutive years. Republic Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do institutionals & insiders have more ownership in RBCAA or FFIN?

24.4% of Republic Bancorp shares are owned by institutional investors. Comparatively, 69.8% of First Financial Bankshares shares are owned by institutional investors. 56.4% of Republic Bancorp shares are owned by company insiders. Comparatively, 4.0% of First Financial Bankshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Do analysts prefer RBCAA or FFIN?

Republic Bancorp currently has a consensus price target of $69.00, indicating a potential downside of 0.96%. First Financial Bankshares has a consensus price target of $38.50, indicating a potential upside of 5.02%. Given First Financial Bankshares' higher possible upside, analysts plainly believe First Financial Bankshares is more favorable than Republic Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Republic Bancorp	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
First Financial Bankshares	0 Sell rating(s)	4 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the media refer more to RBCAA or FFIN?

In the previous week, Republic Bancorp had 2 more articles in the media than First Financial Bankshares. MarketBeat recorded 6 mentions for Republic Bancorp and 4 mentions for First Financial Bankshares. First Financial Bankshares' average media sentiment score of 1.14 beat Republic Bancorp's score of 0.95 indicating that First Financial Bankshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Republic Bancorp	3 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First Financial Bankshares	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community believe in RBCAA or FFIN?

First Financial Bankshares received 145 more outperform votes than Republic Bancorp when rated by MarketBeat users. However, 57.19% of users gave Republic Bancorp an outperform vote while only 48.75% of users gave First Financial Bankshares an outperform vote.

Company	Underperform	Outperform
Republic Bancorp	Outperform Votes 167 57.19%	Underperform Votes 125 42.81%
First Financial Bankshares	Outperform Votes 312 48.75%	Underperform Votes 328 51.25%

Which has preferable valuation and earnings, RBCAA or FFIN?

First Financial Bankshares has higher revenue and earnings than Republic Bancorp. Republic Bancorp is trading at a lower price-to-earnings ratio than First Financial Bankshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Republic Bancorp	$394.17M	3.45	$101.37M	$6.07	11.48
First Financial Bankshares	$556.06M	9.43	$223.51M	$1.62	22.63

Which has more volatility & risk, RBCAA or FFIN?

Republic Bancorp has a beta of 0.51, suggesting that its stock price is 49% less volatile than the S&P 500. Comparatively, First Financial Bankshares has a beta of 0.87, suggesting that its stock price is 13% less volatile than the S&P 500.

Summary

First Financial Bankshares beats Republic Bancorp on 12 of the 19 factors compared between the two stocks.