Republic Bancorp, Inc. (RBCAA)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 315 | 304 | 309 | 354 | 379 | 417 | 410 | - |
| Operating profit | $m | 166 | 170 | ||||||
| Net profit | $m | 83 | 88 | 91 | 90 | 101 | 131 | 128 | 138 |
| EPS reported | $ | 6.63 | 6.47 | ||||||
| Operating cashflow per share | $ | 8.52 | 7.11 | ||||||
| Capex per share | $ | 0.36 | 0.42 | ||||||
| FCF per share | $ | 8.16 | 6.69 | ||||||
| Free cash flow | $m | 161 | 132 | ||||||
| Net debt | $m | 382 | -128 | ||||||
| Book value equity | $m | 1,102 | 1,157 | ||||||
| Book value per share | $ | 55.65 | 58.34 | ||||||
| Number of shares | m | 19.81 | 19.83 | ||||||
| DPS (TTM paid) | $ | 1.80 | 1.94 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.41 | 14.44 | ||||||
| P/B LTM | x | 1.24 | 1.18 | ||||||
| P/S LTM | x | 3.26 | 3.32 | ||||||
| P/FCF LTM | x | 8.45 | 10.29 | ||||||
| EV/EBITDA LTM | x | 9.81 | 9.77 | ||||||
| EV/Sales LTM | x | 3.39 | 3.20 | ||||||
| Earnings Yield LTM | % | +9.61% | +6.93% | ||||||
| FCF Yield | % | +11.83% | +9.72% | ||||||
| Quality | |||||||||
| ROE | % | +11.91% | +11.44% | ||||||
| ROIC | % | +1.86% | +1.89% | ||||||
| Operating margin | % | +31.79% | +33.65% | ||||||
| Gross margin | % | +74.02% | +75.85% | ||||||
| FCF/Sales | % | +30.90% | +26.22% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +27.99% | +24.90% | ||||||
| Sales Growth YoY | % | +10.17% | +8.16% | ||||||
| Net Income Growth YoY | % | +29.54% | +26.27% | ||||||
| FCF Growth | % | +12.51% | -7.57% | ||||||
| Operating Profit Growth | % | +29.76% | +32.99% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.49% | +1.93% | ||||||
| Dividend Growth | % | +10.81% | +18.92% | ||||||
| Payout Ratio | % | +25.78% | +27.79% | ||||||
| FCF/Debt | x | 0.26 | 0.52 | ||||||
| Net Debt/EBITDA | x | 2.26 | -0.54 | ||||||
| EBIT/Net interest | x | 1.60 | 1.79 | ||||||
| Net debt/market cap | % | +44.16% | +13.17% | ||||||
| Net debt/Equity | x | 0.35 | -0.11 | ||||||
| Gross debt/equity | x | 0.57 | 0.22 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Republic Bancorp, Inc. (RBCAA)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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