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REPUBLIC BANCORP INC-CLASS A (RBCAA) Stock Fundamental Analysis

NASDAQ:RBCAA - Nasdaq - US7602812049 - Common Stock - Currency: USD

67.5  -1.36 (-1.98%)

After market: 67.5 0 (0%)

Fundamental Rating

4

RBCAA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. While RBCAA is still in line with the averages on profitability rating, there are concerns on its financial health. RBCAA has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year RBCAA was profitable.
In the past year RBCAA had a positive cash flow from operations.
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.
RBCAA Yearly Net Income VS EBIT VS OCF VS FCFRBCAA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

RBCAA has a better Return On Assets (1.67%) than 93.38% of its industry peers.
With a decent Return On Equity value of 11.41%, RBCAA is doing good in the industry, outperforming 79.64% of the companies in the same industry.
Industry RankSector Rank
ROA 1.67%
ROE 11.41%
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
RBCAA Yearly ROA, ROE, ROICRBCAA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of RBCAA (29.48%) is better than 81.68% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 29.48%
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
RBCAA Yearly Profit, Operating, Gross MarginsRBCAA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

RBCAA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RBCAA has more shares outstanding
RBCAA has less shares outstanding than it did 5 years ago.
The debt/assets ratio for RBCAA is higher compared to a year ago.
RBCAA Yearly Shares OutstandingRBCAA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
RBCAA Yearly Total Debt VS Total AssetsRBCAA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

RBCAA has a debt to FCF ratio of 0.54. This is a very positive value and a sign of high solvency as it would only need 0.54 years to pay back of all of its debts.
RBCAA has a better Debt to FCF ratio (0.54) than 82.19% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that RBCAA is not too dependend on debt financing.
RBCAA has a Debt to Equity ratio of 0.09. This is in the better half of the industry: RBCAA outperforms 74.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.54
Altman-Z N/A
ROIC/WACCN/A
WACC11.75%
RBCAA Yearly LT Debt VS Equity VS FCFRBCAA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RBCAA Yearly Current Assets VS Current LiabilitesRBCAA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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5

3. Growth

3.1 Past

RBCAA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.86%, which is quite impressive.
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 10.73%.
Measured over the past years, RBCAA shows a small growth in Revenue. The Revenue has been growing by 4.34% on average per year.
EPS 1Y (TTM)27.86%
EPS 3Y9.62%
EPS 5Y5.56%
EPS Q2Q%23.85%
Revenue 1Y (TTM)10.73%
Revenue growth 3Y7.55%
Revenue growth 5Y4.34%
Sales Q2Q%13.44%

3.2 Future

RBCAA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.84% yearly.
Based on estimates for the next years, RBCAA will show a small growth in Revenue. The Revenue will grow by 4.31% on average per year.
EPS Next Y26.14%
EPS Next 2Y8.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.56%
Revenue Next 2Y4.31%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
RBCAA Yearly Revenue VS EstimatesRBCAA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
RBCAA Yearly EPS VS EstimatesRBCAA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.58, 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 64.89% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of RBCAA to the average of the S&P500 Index (26.82), we can say RBCAA is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.90, the valuation of RBCAA can be described as very reasonable.
61.58% of the companies in the same industry are cheaper than RBCAA, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.21, RBCAA is valued rather cheaply.
Industry RankSector Rank
PE 10.58
Fwd PE 10.9
RBCAA Price Earnings VS Forward Price EarningsRBCAA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of RBCAA indicates a rather cheap valuation: RBCAA is cheaper than 80.41% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.96
EV/EBITDA N/A
RBCAA Per share dataRBCAA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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)0.4
PEG (5Y)1.9
EPS Next 2Y8.84%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

RBCAA has a Yearly Dividend Yield of 2.48%. Purely for dividend investing, there may be better candidates out there.
RBCAA's Dividend Yield is slightly below the industry average, which is at 3.40.
Compared to an average S&P500 Dividend Yield of 2.35, RBCAA has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.48%

5.2 History

The dividend of RBCAA is nicely growing with an annual growth rate of 8.96%!
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)8.96%
Div Incr Years11
Div Non Decr Years11
RBCAA Yearly Dividends per shareRBCAA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

26.42% 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.
DP26.42%
EPS Next 2Y8.84%
EPS Next 3YN/A
RBCAA Yearly Income VS Free CF VS DividendRBCAA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
RBCAA Dividend Payout.RBCAA Dividend Payout, showing the Payout Ratio.RBCAA Dividend Payout.PayoutRetained Earnings

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REPUBLIC BANCORP INC-CLASS A

NASDAQ:RBCAA (8/1/2025, 8:00:02 PM)

After market: 67.5 0 (0%)

67.5

-1.36 (-1.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-18 2025-07-18/bmo
Earnings (Next)10-16 2025-10-16/bmo
Inst Owners28.7%
Inst Owner Change0.03%
Ins Owners6.95%
Ins Owner Change0.19%
Market Cap1.32B
Analysts42.22
Price Target70.38 (4.27%)
Short Float %1.21%
Short Ratio1.63
Dividend
Industry RankSector Rank
Dividend Yield 2.48%
Yearly Dividend1.57
Dividend Growth(5Y)8.96%
DP26.42%
Div Incr Years11
Div Non Decr Years11
Ex-Date09-19 2025-09-19 (0.451)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.8%
Min EPS beat(2)-20.71%
Max EPS beat(2)26.32%
EPS beat(4)2
Avg EPS beat(4)2.61%
Min EPS beat(4)-20.71%
Max EPS beat(4)26.32%
EPS beat(8)4
Avg EPS beat(8)4.82%
EPS beat(12)5
Avg EPS beat(12)0.47%
EPS beat(16)9
Avg EPS beat(16)1.73%
Revenue beat(2)1
Avg Revenue beat(2)-0.42%
Min Revenue beat(2)-2.92%
Max Revenue beat(2)2.09%
Revenue beat(4)2
Avg Revenue beat(4)-5.17%
Min Revenue beat(4)-22.4%
Max Revenue beat(4)2.56%
Revenue beat(8)3
Avg Revenue beat(8)-3.33%
Revenue beat(12)7
Avg Revenue beat(12)7.31%
Revenue beat(16)11
Avg Revenue beat(16)15.16%
PT rev (1m)0%
PT rev (3m)7.81%
EPS NQ rev (1m)-1.03%
EPS NQ rev (3m)5.51%
EPS NY rev (1m)0.39%
EPS NY rev (3m)15.2%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)0.74%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.91%
Valuation
Industry RankSector Rank
PE 10.58
Fwd PE 10.9
P/S 3.29
P/FCF 7.96
P/OCF 7.71
P/B 1.27
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)6.38
EY9.45%
EPS(NY)6.2
Fwd EY9.18%
FCF(TTM)8.48
FCFY12.56%
OCF(TTM)8.75
OCFY12.97%
SpS20.5
BVpS52.95
TBVpS50.87
PEG (NY)0.4
PEG (5Y)1.9
Profitability
Industry RankSector Rank
ROA 1.67%
ROE 11.41%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.48%
GM N/A
FCFM 41.37%
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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.54
Debt/EBITDA N/A
Cap/Depr 33.15%
Cap/Sales 1.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 140.31%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.75%
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)27.86%
EPS 3Y9.62%
EPS 5Y5.56%
EPS Q2Q%23.85%
EPS Next Y26.14%
EPS Next 2Y8.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.73%
Revenue growth 3Y7.55%
Revenue growth 5Y4.34%
Sales Q2Q%13.44%
Revenue Next Year6.56%
Revenue Next 2Y4.31%
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 1Y18.55%
FCF growth 3Y14.86%
FCF growth 5Y9.18%
OCF growth 1Y18.23%
OCF growth 3Y14.1%
OCF growth 5Y7.21%