Republic Bancorp, Inc. (RBCAA)
Valuation Overview•Is Republic Bancorp, Inc. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Moderate quality score of 65/100, reflecting stable operating margins and manageable leverage.
Analysts remain cautious, with consensus price targets indicating limited room for upside expansion.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street is cautious, forecasting potential downside with steady expected earnings growth. However, capital return yields remain modest, anchored by a strong, well-covered dividend yield.
RBCAA demonstrates strong business quality with robust profitability and healthy margins. However, the balance sheet carries elevated leverage, requiring careful monitoring of debt servicing capabilities.
The company maintains stable top-line performance paired with robust earnings compounding (13.2% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 32.6% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $139.1M | +4.3% | — | — | +10.8% | |
| EBITDA | $59.3M | — | +10.2% | — | — | |
| Net Income | $42.6M | +29.5% | +13.0% | — | +14.1% | |
| EPS (Diluted) | $2.15 | +28.0% | +13.2% | +10.7% | +14.7% | |
| Free Cash Flow | $68.1M | +12.5% | +2.1% | +17.5% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 75.0% | 70.6% | 79.1% | 80.8% |
| Operating Margin | 32.6% | 28.1% | 31.4% | 31.0% |
| Net Margin | 25.6% | 22.3% | 24.8% | 23.7% |
| FCF Margin | 27.8% | 27.9% | 32.4% | 28.7% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $1.84 | $2.04 | +10.9% | ||
| Q1'26 | $1.30 | $1.17 | -10.0% | ||
| Q4'25 | $1.41 | $1.52 | +7.8% | ||
| Q3'25 | $1.44 | $1.61 | +11.8% | ||
| Q2'25 | $1.86 | $2.42 | +30.1% | ||
| Q1'25 | — | $0.96 | — | ||
| Q1'25 | $1.20 | $0.98 | -18.3% | ||
| Q4'24 | $1.21 | $1.37 | +13.2% |
Total return is +25.5% (1Y), outperforming the benchmark by +4.7%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +30.7% | +23.3% | — |
| 1Y | +25.5% | +4.7% | +2.6% |
| 3YCAGR | +30.0% | +10.0% | +12.2% |
| 5YCAGR | +15.3% | +3.9% | +16.8% |
| 10YCAGR | +14.1% | -0.2% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Republic Bancorp, Inc. (RBCAA) valuation, health, and returns.
Republic Bancorp, Inc. is estimated to be fair under our discounted cash flow framework. relative multiples indicate the stock is Fair versus peers compared to industry peers. trading near fair value (DCF: $86.78)
Republic Bancorp, Inc. has multiple valuation anchors: DCF Intrinsic Value: $86.78 | Peer Relative Fair Value: $87.86 | Wall Street Analyst Target: $51.00 (implying -42.9% upside). A convergence of these signals offers higher conviction.
Republic Bancorp, Inc. displays good financial health with a composite quality score of 65/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 7.6%.
Republic Bancorp, Inc. pays a 1.9% dividend yield, covered by a 26% payout ratio with 28 years of growth, supplemented by a 0.0% buyback yield.
Republic Bancorp, Inc.'s current growth trajectory is Decelerating. The company achieved +4.3% 1Y revenue growth and +28.0% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 2 analysts, beating EPS expectations in 50% of recent quarters with a 1-quarter streak. The consensus price target represents a -42.9% change from current levels.
Investment risks for Republic Bancorp, Inc. include: -16.5% 1-year max drawdown. Volatility risk is characterized by a beta of 0.49x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.