What is Republic Bancorp, Inc.'s (RBCAA) StockRank?

MoatMap's StockRank for Republic Bancorp, Inc. (RBCAA) is 73/100, with a Buy signal. This is a composite score combining Quality (60), Value (37), and Momentum (70) factor ranks across MoatMap's 20,000+ stock universe.

Does Republic Bancorp, Inc. have an economic moat?

Republic Bancorp, Inc. (RBCAA) has a Quality factor score of 60/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Republic Bancorp, Inc. a buy, hold, or sell?

MoatMap's current signal for Republic Bancorp, Inc. (RBCAA) is Buy, based on a StockRank of 73/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Republic Bancorp, Inc. in?

Republic Bancorp, Inc. (RBCAA) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

RBCAA

BUY

Republic Bancorp, Inc. · Financial Services · United States · $1.8B · Avg Vol: $12M/d

StockRank

Get insider-trade alerts

P/E (TTM)

14.0x

ROE

11.7%

D/E

0.5x

Dividend %

2.0%

COMPANY DESCRIPTION

Republic Bancorp, Inc. operates as a bank holding company through its subsidiary, Republic Bank & Trust Company, offering a comprehensive suite of commercial and retail banking services. Beyond traditional deposits and lending, the company holds a distinctive market position as a national leader in originating tax refund solutions for tax preparation services. This dual focus provides a stable regional banking presence combined with a significant national niche business.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	308.7M	354.3M	379.0M	411.1M	10.0%	372.5M	400.6M	412.1M	0.1%
EPS	4.60	4.64	5.24	6.74	13.6%	6.47	6.75	6.72	-0.2%
Shares	19.7M	19.4M	19.4M	19.5M	-1.0%	17.5M	—	—	—
Debt	132.8M	415.5M	432.1M	538.4M	59.4%	486.3M	—	—	—
Equity	856.6M	912.8M	992.0M	1.1B	8.8%	—	—	—	—
Op CF	154.8M	108.5M	149.0M	168.2M	2.8%	152.1M	—	—	—
Inv CF	-254.5M	-517.0M	-181.0M	-436.1M	—	—	—	—	—
Fin CF	-343.6M	411.3M	147.6M	55.7M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+7.8%

SMA 50SMA 200

$93.63

RSI (14)

58.9

52W High

$94.31

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.8%*53.1

ROE

11.7%61.4

GP/Assets

5.3%N/A

Op. Margin

53.6%75.1

FCF/Assets

2.3%N/A

Piotroski

565.2

Int. Cover

—50.0

D/E Ratio

0.49xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

14.0x45.3

EV/EBITDA

bankN/A

P/FCF

11.4xN/A

P/B

1.6x32.9

P/S

4.8x38.4

Div Yield

2.0%22.6

Momentum

52W High %

99%90.1

RS 6M

19%87.8

SMA 50/200

1.16x88.8

EPS Rev 4W

0.0%69.8

EPS Rev 12W

+5.8%89.9

EPS Improve

+2%22.4

Q Growth

-10%21.0

FUNDAMENTALS

Market Cap

$1.8B

P/E (Forward)

13.7x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of RBCAA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
RBCAA	Republic Bancorp, Inc.(you)	$1.8B	73	BUY
STBA	S&T Bancorp, Inc.	$1.9B	74	BUY
GABC	German American Bancorp, Inc.	$1.8B	76	BUY
QCRH	QCR Holdings, Inc.	$1.7B	71	BUY
CHCO	City Holding Company	$2.0B	70	BUY
NWBI	Northwest Bancshares, Inc.	$2.3B	74	BUY
BANR	Banner Corporation	$2.4B	73	BUY
FCF	First Commonwealth Financial Corporation	$2.1B	76	BUY
BHRB	Burke & Herbert Financial Services Corp.	$1.4B	75	BUY
TCBK	TriCo Bancshares	$1.9B	67	BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Price	$93.63
Market Cap	$1.8B
P/E (TTM)	14.04
P/E (Forward)	13.72
Price/Book	1.57
Return on Equity	11.7%
Debt/Equity	0.49x
Operating Margin	53.6%
Revenue Growth	-11.3%
Dividend Yield	2.0%
Free Cash Flow	$161M