RBCAA logo

REPUBLIC BANCORP INC-CLASS A

RBCAANASDAQ
πŸ† #2146 by market capEarnings Oct 16US Equity
$92.38β–Ό $1.05 (βˆ’1.14%)
πŸŒ™ After hours$90.59β–Ό 1.94%Regular close Β· extended-hours price shown
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🏦Market Cap
$1.81B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+44.9%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
21.6%
Strong
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
64
Fair
No chart data available for RBCAA.

Trading Snapshot

Day Range
$91.80 – $93.79
52-Week Range
$63.97 – $102.22
Volume
$3.46B
Avg Volume
$2.70B
Shares Outstanding
19.6M
Next Earnings
Nov 25, 2026

Fundamentals Snapshot

Annual Revenue
$521M
Last Q Revenue
$129M
P/E Ratio
12.8
P/S Ratio
2.6x
EPS (TTM)
$6.46
Dividend Yield
2.17%
Dilution (1yr)
+0.1%

Why Investors Own RBCAA

  • βœ“High-growth profile β€” revenue up +24.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 59% gross margin and 17% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

RBCAA logo

REPUBLIC BANCORP INC-CLASS A

RBCAA
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$521Mβ–² +4.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
74.0%β–² +14.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$166Mβ–² +29.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$161Mβ–² +12.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
19.8Mβ–² +0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$407Mβ–Ό βˆ’$304M YoY
StockOtter Β· stockotter.space

About REPUBLIC BANCORP INC-CLASS A

Republic Bancorp, Inc., a financial holding company established in Louisville, Kentucky in 1974, provides a comprehensive suite of banking products and services throughout the United States. Its operations are strategically divided into five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The institution accepts a variety of deposits, including demand, money market, savings, individual retirement accounts, and various types of certificates of deposit. Its lending portfolio is extensive, featuring residential and commercial real estate loans, construction and land development financing, home improvement and equity loans, as well as secured and unsecured personal loans and aircraft financing. Beyond core banking, Republic Bancorp also offers credit cards, title insurance, and an array of sophisticated services such as memory banking, private banking, lockbox processing, remote deposit capture, and robust online and mobile banking solutions for businesses. Specialized services include providing short-term and revolving credit facilities for mortgage bankers, facilitating the processing and payment of federal and state tax refunds through partnerships with tax preparers and software companies, and distributing general purpose reloadable prepaid cards via third-party providers. Additionally, the company delivers consumer credit products and property and casualty insurance. As of January 28, 2022, Republic Bancorp operated 42 full-service banking locations.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$111.76
β–² +21.0% Upside
High Target$130.83
Low Target$104.11
Based on 20 analysts

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