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

MoatMap's StockRank for Republic Bancorp, Inc. (RBCAA) is 62/100, with a Hold signal. This is a composite score combining Quality (59), Value (34), and Momentum (64) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Republic Bancorp, Inc. have an economic moat?

Republic Bancorp, Inc. (RBCAA) has a Quality factor score of 59/100. 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 Hold, based on a StockRank of 62/100. 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).

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RBCAA

HoldPremium Grower

Republic Bancorp, Inc. · Financial Services · United States · $1.9B · Avg Vol: $10M/d

StockRank

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P/E (TTM)

14.8x

ROE

11.5%

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%	382.4M	409.1M	422.2M	1.3%
EPS	4.60	4.64	5.24	6.74	13.6%	6.54	6.91	7.00	1.9%
Shares	19.7M	19.4M	19.4M	19.5M	-1.0%	17.5M	—	—	—
Debt	132.8M	415.5M	432.1M	538.4M	59.4%	260.9M	—	—	—
Equity	856.6M	912.8M	992.0M	1.1B	8.8%	—	—	—	—
Op CF	154.8M	108.5M	149.0M	168.2M	2.8%	144.7M	—	—	—
Inv CF	-254.5M	-517.0M	-181.0M	-436.1M	—	—	—	—	—
Fin CF	-343.6M	411.3M	147.6M	55.7M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-1.2%

SMA 50SMA 200

$97.24

RSI (14)

63.8

52W High

$102.22

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.8%*54.5

ROE

11.5%58.8

GP/Assets

5.4%N/A

Op. Margin

45.0%64.1

FCF/Assets

2.3%N/A

Piotroski

567.4

Int. Cover

—50.0

D/E Ratio

0.49xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

14.8x39.9

EV/EBITDA

bankN/A

P/FCF

11.6xN/A

P/B

1.6x33.3

P/S

5.0x34.0

Div Yield

2.0%24.6

Momentum

52W High %

95%73.4

RS 6M

32%93.0

SMA 50/200

1.20x93.7

EPS Rev 4W

0.0%27.7

EPS Rev 12W

+4.2%80.7

EPS Improve

+6%26.6

Q Growth

4%32.4

FUNDAMENTALS

Market Cap

$1.9B

P/E (Forward)

14.0x

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)	$1.9B	62	Hold
HAPN	Happen, Inc.	$2.1B	61	Hold
CHCO	City Holding Company	$2.0B	61	Hold
HOPE	Hope Bancorp, Inc.	$1.8B	59	Hold
CNOB	ConnectOne Bancorp, Inc.	$1.6B	64	Hold
STBA	S&T Bancorp, Inc.	$1.8B	66	Buy
QCRH	QCR Holdings, Inc.	$1.6B	65	Buy
DCOM	Dime Commercial Bancshares, Inc.	$1.8B	68	Buy
TCBK	TriCo Bancshares	$1.7B	58	Hold
TRMK	Trustmark Corporation	$2.7B	62	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$97.24
Market Cap	$1.9B
P/E (TTM)	14.80
P/E (Forward)	14.03
Price/Book	1.64
Return on Equity	11.5%
Debt/Equity	0.49x
Operating Margin	45.0%
Revenue Growth	4.4%
Dividend Yield	2.0%
Free Cash Flow	$161M