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RBCAARepublic Bancorp, Inc.
$91.09$1.6B
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RBCAA logoRepublic Bancorp, Inc.(RBCAA)Earnings, Financials & Key Ratios

RBCAA•NASDAQ•Banking & Credit
$91.09
13.7× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustrySpecialty finance and niche lenders
AboutRepublic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit. Its loan products include residential real estate, commercial real estate, construction and land development, home improvement and home equity, secured and unsecured personal, and aircraft loans. The company also offers credit cards; title insurance and other financial products and services; and memory banking, private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it provides short-term and revolving credit facilities to mortgage bankers; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; and general purpose reloadable prepaid cards through third party service providers. Further, the company offers consumer credit products; and property and casualty insurance products. As of January 28, 2022, it operated 42 full-service banking centers. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.Show more
  • Net Interest Income$335M+7.2%
  • Total Revenue$521M+4.3%
  • Net Income$131M+29.5%
  • Return on Equity12.54%+17.8%
  • Net Interest Margin4.75%+4.2%
  • Efficiency Ratio42.24%+7.2%
  • ROA1.89%+25.4%
  • Equity / Assets15.65%+8.0%
  • Book Value per Share55.65+9.6%

RBCAA Price & Volume

Republic Bancorp, Inc. (RBCAA) stock price & volume — 10-year historical chart

Loading chart...

Seasonal Tax Revenue Drives Cyclical Margin Volatility

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Robust
Primary Risk:Seasonal credit concentration risk

Key Thesis Takeaways

  • Republic Bancorp’s financial performance is fundamentally tethered to the seasonal influx of tax-related deposits, which creates significant quarterly volatility in net interest income and credit provisioning.
  • While the bank maintains a stable capital position with an equity-to-assets ratio of 0.16, its reliance on high-yield consumer credit products introduces inherent risks that may be masked during peak operational periods.
  • Investors should monitor the sustainability of fee-based income, which reached 19.5% of total revenue in 2025Q1, as the bank navigates a competitive landscape that compressed net interest margins to 1.2% by 2026Q1.

Verdict Logic

while the bank demonstrates disciplined dividend payouts of $8.7 million per quarter, the 13.48 P/E ratio and sensitivity to credit losses—evidenced by a $30.6 million provision in 2024Q1—warrant caution regarding long-term earnings stability.

RBCAA Growth Metrics

Republic Bancorp, Inc. (RBCAA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.82%
5 Years9.25%
3 Years18.13%
TTM-

Profit CAGR

10 Years14.08%
5 Years9.54%
3 Years12.96%
TTM7.27%

EPS CAGR

10 Years14.72%
5 Years10.69%
3 Years13.21%
TTM6.66%

Return on Capital

10 Years7.36%
5 Years8.64%
3 Years7.19%
Last Year4.03%

RBCAA Recent Earnings

Republic Bancorp, Inc. (RBCAA) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$2.04+10.9%
$1.84
Rev
$79M-28.2%
$110M
Q1 2026
Jan 30, 2026
Metric
Actual
Est
EPS
$1.17-10.0%
$1.30
Rev
$74M-19.6%
$93M
Q4 2025
Oct 17, 2025
Metric
Actual
Est
EPS
$1.52+7.8%
$1.41
Rev
$92M-0.7%
$93M
Q3 2025
Jul 18, 2025
Metric
Actual
Est
EPS
$1.61+11.8%
$1.44
Rev
$92M-1.0%
$93M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$2.04vs $1.84+10.9%
$79Mvs $110M-28.2%
Q1 2026Jan 30, 2026
$1.17vs $1.30-10.0%
$74Mvs $93M-19.6%
Q4 2025Oct 17, 2025
$1.52vs $1.41+7.8%
$92Mvs $93M-0.7%
Q3 2025Jul 18, 2025
$1.61vs $1.44+11.8%
$92Mvs $93M-1.0%
Based on last 12 quarters of dataView full earnings history →

Latest RBCAA News

Recent stock market news and headlines for Republic Bancorp, Inc. (RBCAA)

Business Wire·Jun 16, 2026
Republic Bank Expands Online and Mobile Banking Access to Clients Without SSNs or TINs

LOUISVILLE, Ky.--(BUSINESS WIRE)--Republic Bank & Trust Company (“Republic” or the “Bank”) has announced that it now offers online and mobile banking access for clients who do not have a Social Security Number (SSN) or Tax Identification Number (TIN), expanding digital banking services to better serve individuals and communities. As part of a recent core system upgrade, the Bank implemented a new registration process that enables clients without social security numbers or tax identification.

Peers Comparison

Key metrics vs top competitors for Republic Bancorp, Inc. (RBCAA)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
RBCAA logoRBCAARepublic Bancorp, Inc.Current
$91.09$1.59B13.744.31%25.19%12.54%1.88%
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.75$4.98B19.6311.71%31.14%14.2%—
IBCP logoIBCPIndependent Bank Corporation
$35.90$739.76M10.98-0.3%22.54%14.15%—
SFNC logoSFNCSimmons First National Corporation
$22.77$3.3B-7.72-56.66%-63.53%-10.51%—
NBTB logoNBTBNBT Bancorp Inc.
$50.16$2.61B15.0610.36%19.66%9.83%—
WSBC logoWSBCWesBanco, Inc.
$40.15$3.86B17.7751.41%21.27%8%—

Compare RBCAA vs Peers

Republic Bancorp, Inc. (RBCAA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for RBCAA.

Scale Benchmark

vs V

Larger-name benchmark to compare RBCAA against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, IBCP, SFNC, NBTB

RBCAA SEC Filings & Documents

Republic Bancorp, Inc. (RBCAA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 20, 2026·SEC

Material company update

Apr 24, 2026·SEC

Material company update

Apr 23, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 6, 2026·SEC

FY 2025

Mar 6, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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RBCAA Frequently Asked Questions

Republic Bancorp, Inc. (RBCAA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Republic Bancorp, Inc. growing?

Republic Bancorp, Inc. (RBCAA) grew revenue by 4.3% over the past year. Growth has been modest.

Is RBCAA profitable?

Yes, Republic Bancorp, Inc. (RBCAA) is profitable, generating $126.6M in net income for fiscal year 2025 (25.2% net margin).

Dividend & Returns
Does RBCAA pay dividends?

Yes, Republic Bancorp, Inc. (RBCAA) pays a dividend with a yield of 1.88%. This makes it attractive for income-focused investors.

What is RBCAA's return on equity?

Republic Bancorp, Inc. (RBCAA) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.

Industry Metrics
What is Republic Bancorp, Inc.'s net interest margin?

Republic Bancorp, Inc. (RBCAA) has a net interest margin (NIM) of 4.8%. This indicates healthy earnings from lending activities.

What is Republic Bancorp, Inc.'s efficiency ratio?

Republic Bancorp, Inc. (RBCAA) has an efficiency ratio of 42.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in RBCAA back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →