REPUBLIC BANCORP INC-CLASS A (RBCAA) Stock Fundamental Analysis
USA - NASDAQ:RBCAA - US7602812049 - Common Stock
70.03 USD
+1.75 (+2.56%)
Taking everything into account, RBCAA scores 5 out of 10 in our fundamental rating. RBCAA was compared to 391 industry peers in the Banks industry. RBCAA has a medium profitability rating, but doesn't score so well on its financial health evaluation. RBCAA has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
RBCAA had positive earnings in the past year.
In the past year RBCAA had a positive cash flow from operations.
RBCAA had positive earnings in each of the past 5 years.
RBCAA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.78%, RBCAA belongs to the best of the industry, outperforming 94.88% of the companies in the same industry.
The Return On Equity of RBCAA (11.73%) is better than 81.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 11.73% | ||
| 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 30.52%, RBCAA belongs to the top of the industry, outperforming 82.86% of the companies in the same industry.
RBCAA's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for RBCAA so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.52% | ||
| 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.
Compared to 5 years ago, RBCAA has less shares outstanding
RBCAA has a worse debt/assets ratio than last year.
2.2 Solvency
RBCAA has a debt to FCF ratio of 0.43. This is a very positive value and a sign of high solvency as it would only need 0.43 years to pay back of all of its debts.
RBCAA has a better Debt to FCF ratio (0.43) than 82.35% 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 has a Debt to Equity ratio of 0.07. This is in the better half of the industry: RBCAA outperforms 78.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.43 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.56%
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.
Looking at the last year, RBCAA shows a small growth in Revenue. The Revenue has grown by 6.82% in the last year.
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)6.82%
Revenue growth 3Y7.55%
Revenue growth 5Y4.34%
Sales Q2Q%7.94%
3.2 Future
The Earnings Per Share is expected to grow by 9.20% on average over the next years. This is quite good.
Based on estimates for the next years, RBCAA will show a quite strong growth in Revenue. The Revenue will grow by 9.40% on average per year.
EPS Next Y33.23%
EPS Next 2Y9.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.23%
Revenue Next 2Y9.4%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.72, which indicates a very decent valuation of RBCAA.
Based on the Price/Earnings ratio, RBCAA is valued a bit cheaper than 70.33% of the companies in the same industry.
RBCAA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
A Price/Forward Earnings ratio of 11.23 indicates a reasonable valuation of RBCAA.
RBCAA's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, RBCAA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.72 | ||
| Fwd PE | 11.23 |
4.2 Price Multiples
RBCAA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RBCAA is cheaper than 81.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.09 | ||
| 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)1.93
EPS Next 2Y9.2%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RBCAA has a Yearly Dividend Yield of 2.58%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.60, RBCAA has a dividend in line with its industry peers.
RBCAA's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.58% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)8.96%
Div Incr Years11
Div Non Decr Years11
5.3 Sustainability
RBCAA pays out 25.81% of its income as dividend. This is a sustainable payout ratio.
RBCAA's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP25.81%
EPS Next 2Y9.2%
EPS Next 3YN/A
NASDAQ:RBCAA (10/22/2025, 3:17:20 PM)
70.03
+1.75 (+2.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners29.19%
Inst Owner Change-0.03%
Ins Owners6.97%
Ins Owner Change0.18%
Market Cap1.37B
Revenue(TTM)384.80M
Net Income(TTM)124.31M
Analysts42.22
Price Target79.56 (13.61%)
Short Float %1.12%
Short Ratio3.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.58% |
Yearly Dividend1.57
Dividend Growth(5Y)8.96%
DP25.81%
Div Incr Years11
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.62%
Min EPS beat(2)8.93%
Max EPS beat(2)26.32%
EPS beat(4)3
Avg EPS beat(4)6.11%
Min EPS beat(4)-20.71%
Max EPS beat(4)26.32%
EPS beat(8)5
Avg EPS beat(8)7.1%
EPS beat(12)6
Avg EPS beat(12)4.49%
EPS beat(16)9
Avg EPS beat(16)2.2%
Revenue beat(2)0
Avg Revenue beat(2)-2.04%
Min Revenue beat(2)-2.92%
Max Revenue beat(2)-1.16%
Revenue beat(4)2
Avg Revenue beat(4)0.14%
Min Revenue beat(4)-2.92%
Max Revenue beat(4)2.56%
Revenue beat(8)3
Avg Revenue beat(8)-3.2%
Revenue beat(12)6
Avg Revenue beat(12)4.63%
Revenue beat(16)10
Avg Revenue beat(16)13.43%
PT rev (1m)0%
PT rev (3m)13.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.08%
EPS NY rev (1m)0%
EPS NY rev (3m)5.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)12.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)12.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.72 | ||
| Fwd PE | 11.23 | ||
| P/S | 3.36 | ||
| P/FCF | 8.09 | ||
| P/OCF | 7.76 | ||
| P/B | 1.29 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.53
EY9.32%
EPS(NY)6.24
Fwd EY8.91%
FCF(TTM)8.65
FCFY12.36%
OCF(TTM)9.03
OCFY12.89%
SpS20.85
BVpS54.25
TBVpS52.18
PEG (NY)0.32
PEG (5Y)1.93
Graham Number89.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 11.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.52% | ||
| GM | N/A | ||
| FCFM | 41.51% |
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 | 0.43 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 41.64% | ||
| Cap/Sales | 1.8% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 136.02% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.56%
ROIC/WACCN/A
Cap/Depr(3y)40.34%
Cap/Depr(5y)38.82%
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 2Y9.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.82%
Revenue growth 3Y7.55%
Revenue growth 5Y4.34%
Sales Q2Q%7.94%
Revenue Next Year20.23%
Revenue Next 2Y9.4%
Revenue Next 3YN/A
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 1Y41.03%
FCF growth 3Y14.86%
FCF growth 5Y9.18%
OCF growth 1Y41.03%
OCF growth 3Y14.1%
OCF growth 5Y7.21%