RBCAA
Republic Bancorp Inc
$94.76
▼ 1.4%Updated Today 11:10 AM ET
RBCAA at a glance — five pillars scored 0–100 from real filed financials.
Overall: Unrated · 0/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Market Cap
$0.00
P/E
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Forward P/E (est.)
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ROE
—
Revenue Growth
—
EPS Growth
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Profit Margin
—
FCF Yield
—
Debt / Equity
—
ROIC
—
Interest Coverage
—
Current Ratio
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Dividend Yield
—
Implied Growth (rev. DCF)
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Rating Score
0/100
Republic Bancorp Inc (RBCAA) is a small-cap company in the Banking industry, part of the Financials sector of the S&P 500.
In its latest reported year it generated about $417.50M in revenue and $131.32M in net profit.
Our model rates RBCAA Unrated (0/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
7.8%
Revenue moved from $289.48M in 2018 to $417.50M in 2025, a 5.4% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
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Net Margin
31.5%
ROE
—
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
—
Leverage: debt-to-equity is n/a. Detailed balance-sheet leverage is limited for this name.
Operating CF
$168.21M
Free Cash Flow
$161.11M
FCF Margin
38.6%
In the latest year Republic Bancorp Inc produced about $168.21M of operating cash flow and $161.11M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Total paid (latest FY)
$33.85M
History on record
8 years
dividend uses 21% of free cash flow
26% of net income paid out
total dividends increased 7 years in a row
no cuts in the last 8 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
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P/S
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P/B
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EV / EBITDA
—
RBCAA trades at n/a trailing earnings. With no positive trailing earnings, value it on sales, cash flow, or growth rather than P/E.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
—
Current price
$94.76
Starting FCF (latest 10-K)
$161.11M
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where RBCAA sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How RBCAA stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), RBCAA ranks #245 of 289 by our overall rating.
P/E vs sector
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median 15.6x
ROE vs sector
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median 13.6%
Growth vs sector
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median 15.9%
Sector rank
#245
of 289 by rating
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
The case for RBCAA:
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against RBCAA:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Republic Bancorp Inc is a small-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at n/a earnings, which our model scores Unrated (0/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Latest SEC Filings
RBCAA's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
RBCAA — frequently asked questions
Is RBCAA a good stock to buy?
We don't give buy or sell advice. Review Republic Bancorp Inc's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does RBCAA's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Republic Bancorp Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for RBCAA calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this RBCAA analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell RBCAA. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.