REPUBLIC BANCORP INC-CLASS A (RBCAA)
US7602812049 - Common Stock
Overall RBCAA gets a fundamental rating of 4 out of 10. We evaluated RBCAA against 412 industry peers in the Banks industry. Both the profitability and the financial health of RBCAA get a neutral evaluation. Nothing too spectacular is happening here. While showing a medium growth rate, RBCAA is valued expensive at the moment.
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.
RBCAA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
RBCAA has a better Return On Assets (1.37%) than 85.44% of its industry peers.
Looking at the Return On Equity, with a value of 9.91%, RBCAA is in line with its industry, outperforming 57.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.37% | ||
| ROE | 9.91% | ||
| ROIC | N/A |
ROA(3y)1.46%
ROA(5y)1.47%
ROE(3y)10.34%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of RBCAA (25.11%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of RBCAA has remained more or less at the same level.
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) | 25.11% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.25%
PM growth 5Y-1.39%
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.
The number of shares outstanding for RBCAA has been reduced compared to 1 year ago.
The number of shares outstanding for RBCAA has been reduced compared to 5 years ago.
Compared to 1 year ago, RBCAA has an improved debt to assets ratio.
2.2 Solvency
RBCAA has a debt to FCF ratio of 0.96. This is a very positive value and a sign of high solvency as it would only need 0.96 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 0.96, RBCAA is doing good in the industry, outperforming 76.70% of the companies in the same industry.
RBCAA has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
RBCAA has a Debt to Equity ratio of 0.11. This is in the better half of the industry: RBCAA outperforms 74.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 0.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.71%
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 nice 14.43% over the past year.
Measured over the past 5 years, RBCAA shows a small growth in Earnings Per Share. The EPS has been growing by 4.34% on average per year.
The Revenue has grown by 14.24% in the past year. This is quite good.
RBCAA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.47% yearly.
EPS 1Y (TTM)14.43%
EPS 3Y4.77%
EPS 5Y4.34%
EPS growth Q2Q7.45%
Revenue 1Y (TTM)14.24%
Revenue growth 3Y4.09%
Revenue growth 5Y4.47%
Revenue growth Q2Q4.98%
3.2 Future
RBCAA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.02% yearly.
The Revenue is expected to grow by 2.07% on average over the next years.
EPS Next Y5.02%
EPS Next 2Y3.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.19%
Revenue Next 2Y2.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.73, which indicates a very decent valuation of RBCAA.
RBCAA's Price/Earnings ratio is a bit more expensive when compared to the industry. RBCAA is more expensive than 64.56% 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 28.43.
Based on the Price/Forward Earnings ratio of 11.17, the valuation of RBCAA can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RBCAA is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 20.51. RBCAA is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.73 | ||
| Fwd PE | 11.17 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as RBCAA.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.3 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.34
PEG (5Y)2.7
EPS Next 2Y3.02%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RBCAA has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
RBCAA's Dividend Yield is comparable with the industry average which is at 3.70.
Compared to an average S&P500 Dividend Yield of 2.36, RBCAA pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
5.2 History
The dividend of RBCAA is nicely growing with an annual growth rate of 9.19%!
RBCAA has paid a dividend for at least 10 years, which is a reliable track record.
RBCAA has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.19%
Div Incr Years10
Div Non Decr Years10
5.3 Sustainability
RBCAA pays out 31.34% of its income as dividend. This is a sustainable payout ratio.
RBCAA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.34%
EPS Next 2Y3.02%
EPS Next 3YN/A
REPUBLIC BANCORP INC-CLASS A
NASDAQ:RBCAA (5/10/2024, 7:15:45 PM)
After market: 53.94 0 (0%)53.94
-0.63 (-1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.05B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.73 | ||
| Fwd PE | 11.17 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)2.34
PEG (5Y)2.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.37% | ||
| ROE | 9.91% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.11% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)14.43%
EPS 3Y4.77%
EPS 5Y
EPS growth Q2Q
EPS Next Y5.02%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)14.24%
Revenue growth 3Y4.09%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y