69.01 USD
-0.03 (-0.04%)
69.01 USD
0 (0%)
RBCAA gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. There are concerns on the financial health of RBCAA while its profitability can be described as average. RBCAA has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
RBCAA had positive earnings in the past year.
RBCAA had a positive operating cash flow in the past year.
RBCAA had positive earnings in each of the past 5 years.
In the past 5 years RBCAA always reported a positive cash flow from operatings.
1.2 Ratios
RBCAA has a Return On Assets of 1.82%. This is amongst the best in the industry. RBCAA outperforms 94.57% of its industry peers.
With a decent Return On Equity value of 11.76%, RBCAA is doing good in the industry, outperforming 79.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.82% | ||
| ROE | 11.76% | ||
| ROIC | N/A |
ROA(3y)1.47%
ROA(5y)1.44%
ROE(3y)10.25%
ROE(5y)10.27%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 30.89%, RBCAA belongs to the top of the industry, outperforming 82.69% of the companies in the same industry.
In the last couple of years the Profit Margin of RBCAA has declined.
RBCAA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.89% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.38%
PM growth 5Y-2.22%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
RBCAA does not have a ROIC to compare to the WACC, probably because it is not profitable.
RBCAA has more shares outstanding than it did 1 year ago.
The number of shares outstanding for RBCAA has been reduced compared to 5 years ago.
The debt/assets ratio for RBCAA is higher compared to a year ago.
2.2 Solvency
RBCAA has a debt to FCF ratio of 0.50. This is a very positive value and a sign of high solvency as it would only need 0.50 years to pay back of all of its debts.
RBCAA has a better Debt to FCF ratio (0.50) than 81.91% of its industry peers.
RBCAA has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
RBCAA's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. RBCAA outperforms 77.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 24.14% over the past year.
RBCAA shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.56% yearly.
RBCAA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.43%.
The Revenue has been growing slightly by 4.34% on average over the past years.
EPS 1Y (TTM)24.14%
EPS 3Y9.62%
EPS 5Y5.56%
EPS Q2Q%10.95%
Revenue 1Y (TTM)9.43%
Revenue growth 3Y7.55%
Revenue growth 5Y4.34%
Sales Q2Q%7.94%
3.2 Future
RBCAA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.40% yearly.
RBCAA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.09% yearly.
EPS Next Y33.23%
EPS Next 2Y9.34%
EPS Next 3Y7.4%
EPS Next 5YN/A
Revenue Next Year20.23%
Revenue Next 2Y9.47%
Revenue Next 3Y11.09%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.57, the valuation of RBCAA can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of RBCAA indicates a somewhat cheap valuation: RBCAA is cheaper than 68.99% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of RBCAA to the average of the S&P500 Index (26.31), we can say RBCAA is valued rather cheaply.
A Price/Forward Earnings ratio of 11.04 indicates a reasonable valuation of RBCAA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RBCAA is on the same level as its industry peers.
RBCAA is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.57 | ||
| Fwd PE | 11.04 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RBCAA is valued a bit cheaper than the industry average as 72.87% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
RBCAA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.32
PEG (5Y)1.9
EPS Next 2Y9.34%
EPS Next 3Y7.4%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.61%, RBCAA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.23, RBCAA has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, RBCAA has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.61% |
5.2 History
The dividend of RBCAA is nicely growing with an annual growth rate of 8.96%!
RBCAA has been paying a dividend for at least 10 years, so it has a reliable track record.
RBCAA has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.96%
Div Incr Years11
Div Non Decr Years11
5.3 Sustainability
25.85% of the earnings are spent on dividend by RBCAA. This is a low number and sustainable payout ratio.
The dividend of RBCAA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.85%
EPS Next 2Y9.34%
EPS Next 3Y7.4%
69.01
-0.03 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners29.19%
Inst Owner Change2.11%
Ins Owners6.97%
Ins Owner Change0.08%
Market Cap1.35B
Revenue(TTM)412.74M
Net Income(TTM)127.51M
Analysts42.22
Price Target79.56 (15.29%)
Short Float %1.45%
Short Ratio5.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.61% |
Yearly Dividend1.57
Dividend Growth(5Y)8.96%
DP25.85%
Div Incr Years11
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.98%
Min EPS beat(2)5.03%
Max EPS beat(2)8.93%
EPS beat(4)3
Avg EPS beat(4)4.89%
Min EPS beat(4)-20.71%
Max EPS beat(4)26.32%
EPS beat(8)5
Avg EPS beat(8)6.6%
EPS beat(12)6
Avg EPS beat(12)2.35%
EPS beat(16)9
Avg EPS beat(16)2.09%
Revenue beat(2)0
Avg Revenue beat(2)-6.52%
Min Revenue beat(2)-11.88%
Max Revenue beat(2)-1.16%
Revenue beat(4)1
Avg Revenue beat(4)-3.47%
Min Revenue beat(4)-11.88%
Max Revenue beat(4)2.09%
Revenue beat(8)3
Avg Revenue beat(8)-1.56%
Revenue beat(12)5
Avg Revenue beat(12)0.82%
Revenue beat(16)9
Avg Revenue beat(16)10.28%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)1.12%
EPS NQ rev (3m)1.12%
EPS NY rev (1m)0%
EPS NY rev (3m)5.62%
Revenue NQ rev (1m)-8.86%
Revenue NQ rev (3m)-8.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.57 | ||
| Fwd PE | 11.04 | ||
| P/S | 3.27 | ||
| P/FCF | 8.98 | ||
| P/OCF | 8.51 | ||
| P/B | 1.24 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.53
EY9.46%
EPS(NY)6.25
Fwd EY9.06%
FCF(TTM)7.68
FCFY11.13%
OCF(TTM)8.11
OCFY11.75%
SpS21.12
BVpS55.5
TBVpS53.43
PEG (NY)0.32
PEG (5Y)1.9
Graham Number90.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.82% | ||
| ROE | 11.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.89% | ||
| GM | N/A | ||
| FCFM | 36.37% |
ROA(3y)1.47%
ROA(5y)1.44%
ROE(3y)10.25%
ROE(5y)10.27%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.38%
PM growth 5Y-2.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 189.49% | ||
| Cap/Sales | 2.01% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 117.74% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.55%
ROIC/WACCN/A
Cap/Depr(3y)59.9%
Cap/Depr(5y)50.55%
Cap/Sales(3y)1.51%
Cap/Sales(5y)1.51%
Profit Quality(3y)139.93%
Profit Quality(5y)122.79%
High Growth Momentum
Growth
EPS 1Y (TTM)24.14%
EPS 3Y9.62%
EPS 5Y5.56%
EPS Q2Q%10.95%
EPS Next Y33.23%
EPS Next 2Y9.34%
EPS Next 3Y7.4%
EPS Next 5YN/A
Revenue 1Y (TTM)9.43%
Revenue growth 3Y7.55%
Revenue growth 5Y4.34%
Sales Q2Q%7.94%
Revenue Next Year20.23%
Revenue Next 2Y9.47%
Revenue Next 3Y11.09%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y49.98%
FCF growth 3Y14.86%
FCF growth 5Y9.18%
OCF growth 1Y49.05%
OCF growth 3Y14.1%
OCF growth 5Y7.21%
REPUBLIC BANCORP INC-CLASS A / RBCAA FAQ
What is the ChartMill fundamental rating of REPUBLIC BANCORP INC-CLASS A (RBCAA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to RBCAA.
Can you provide the valuation status for REPUBLIC BANCORP INC-CLASS A?
ChartMill assigns a valuation rating of 6 / 10 to REPUBLIC BANCORP INC-CLASS A (RBCAA). This can be considered as Fairly Valued.
How profitable is REPUBLIC BANCORP INC-CLASS A (RBCAA) stock?
REPUBLIC BANCORP INC-CLASS A (RBCAA) has a profitability rating of 4 / 10.
What are the PE and PB ratios of REPUBLIC BANCORP INC-CLASS A (RBCAA) stock?
The Price/Earnings (PE) ratio for REPUBLIC BANCORP INC-CLASS A (RBCAA) is 10.57 and the Price/Book (PB) ratio is 1.24.
What is the financial health of REPUBLIC BANCORP INC-CLASS A (RBCAA) stock?
The financial health rating of REPUBLIC BANCORP INC-CLASS A (RBCAA) is 3 / 10.