REPUBLIC BANCORP INC-CLASS A (RBCAA) Fundamental Analysis & Valuation

NASDAQ:RBCAA • US7602812049

Current stock price

71.85 USD
+0.89 (+1.25%)
At close:
71.85 USD
0 (0%)
After Hours:

This RBCAA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. RBCAA Profitability Analysis

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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • The Return On Assets of RBCAA (1.86%) is better than 94.47% of its industry peers.
  • RBCAA's Return On Equity of 11.91% is fine compared to the rest of the industry. RBCAA outperforms 78.95% of its industry peers.
Industry RankSector Rank
ROA 1.86%
ROE 11.91%
ROIC N/A
ROA(3y)1.57%
ROA(5y)1.54%
ROE(3y)10.68%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
RBCAA Yearly ROA, ROE, ROICRBCAA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 31.45%, RBCAA belongs to the top of the industry, outperforming 81.05% of the companies in the same industry.
  • In the last couple of years the Profit Margin of RBCAA has grown nicely.
  • 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) 31.45%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.67%
PM growth 5Y3.84%
GM growth 3YN/A
GM growth 5YN/A
RBCAA Yearly Profit, Operating, Gross MarginsRBCAA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. RBCAA Health Analysis

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 has been reduced compared to a year ago.
RBCAA Yearly Shares OutstandingRBCAA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
RBCAA Yearly Total Debt VS Total AssetsRBCAA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of RBCAA is 0.55, which is an excellent value as it means it would take RBCAA, only 0.55 years of fcf income to pay off all of its debts.
  • RBCAA has a Debt to FCF ratio of 0.55. This is in the better half of the industry: RBCAA outperforms 78.95% of its industry peers.
  • RBCAA has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
  • RBCAA has a Debt to Equity ratio of 0.08. This is in the better half of the industry: RBCAA outperforms 72.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC10.75%
RBCAA Yearly LT Debt VS Equity VS FCFRBCAA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. RBCAA Growth Analysis

3.1 Past

  • RBCAA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.49%, which is quite impressive.
  • RBCAA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.93% yearly.
  • RBCAA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.50%.
  • Measured over the past years, RBCAA shows a small growth in Revenue. The Revenue has been growing by 5.50% on average per year.
EPS 1Y (TTM)28.49%
EPS 3Y18.68%
EPS 5Y10.93%
EPS Q2Q%19.39%
Revenue 1Y (TTM)8.5%
Revenue growth 3Y10.02%
Revenue growth 5Y5.5%
Sales Q2Q%4.53%

3.2 Future

  • The Earnings Per Share is expected to decrease by -2.52% on average over the next years.
  • Based on estimates for the next years, RBCAA will show a small growth in Revenue. The Revenue will grow by 0.39% on average per year.
EPS Next Y-8.11%
EPS Next 2Y-2.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.71%
Revenue Next 2Y0.39%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
RBCAA Yearly Revenue VS EstimatesRBCAA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
RBCAA Yearly EPS VS EstimatesRBCAA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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4

4. RBCAA Valuation Analysis

4.1 Price/Earnings Ratio

  • RBCAA is valuated reasonably with a Price/Earnings ratio of 10.69.
  • Based on the Price/Earnings ratio, RBCAA is valued a bit cheaper than the industry average as 70.26% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of RBCAA to the average of the S&P500 Index (25.60), we can say RBCAA is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 11.64, the valuation of RBCAA can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, RBCAA is valued a bit more expensive than 61.58% of the companies in the same industry.
  • RBCAA is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.69
Fwd PE 11.64
RBCAA Price Earnings VS Forward Price EarningsRBCAA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of RBCAA indicates a somewhat cheap valuation: RBCAA is cheaper than 76.58% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.75
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

  • A cheap valuation may be justified as RBCAA's earnings are expected to decrease with -2.52% in the coming years.
PEG (NY)N/A
PEG (5Y)0.98
EPS Next 2Y-2.52%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. RBCAA Dividend Analysis

5.1 Amount

  • RBCAA has a Yearly Dividend Yield of 2.84%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.66, RBCAA has a dividend in line with its industry peers.
  • RBCAA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 2.84%

5.2 History

  • The dividend of RBCAA is nicely growing with an annual growth rate of 9.36%!
  • RBCAA has paid a dividend for at least 10 years, which is 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)9.36%
Div Incr Years11
Div Non Decr Years11
RBCAA Yearly Dividends per shareRBCAA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 25.78% of the earnings are spent on dividend by RBCAA. This is a low number and sustainable payout ratio.
DP25.78%
EPS Next 2Y-2.52%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
RBCAA Dividend Payout.RBCAA Dividend Payout, showing the Payout Ratio.RBCAA Dividend Payout.PayoutRetained Earnings

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RBCAA Fundamentals: All Metrics, Ratios and Statistics

REPUBLIC BANCORP INC-CLASS A

NASDAQ:RBCAA (4/2/2026, 8:00:01 PM)

After market: 71.85 0 (0%)

71.85

+0.89 (+1.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30
Earnings (Next)04-16
Inst Owners29.38%
Inst Owner Change-0.49%
Ins Owners7.08%
Ins Owner Change0.25%
Market Cap1.41B
Revenue(TTM)417.50M
Net Income(TTM)131.32M
Analysts42.22
Price Target79.56 (10.73%)
Short Float %1.53%
Short Ratio2.39
Dividend
Industry RankSector Rank
Dividend Yield 2.84%
Yearly Dividend1.74
Dividend Growth(5Y)9.36%
DP25.78%
Div Incr Years11
Div Non Decr Years11
Ex-Date03-20
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.57%
Min EPS beat(2)-16.17%
Max EPS beat(2)5.03%
EPS beat(4)3
Avg EPS beat(4)6.03%
Min EPS beat(4)-16.17%
Max EPS beat(4)26.32%
EPS beat(8)4
Avg EPS beat(8)0.29%
EPS beat(12)6
Avg EPS beat(12)1.24%
EPS beat(16)8
Avg EPS beat(16)0.95%
Revenue beat(2)0
Avg Revenue beat(2)-6.35%
Min Revenue beat(2)-11.88%
Max Revenue beat(2)-0.82%
Revenue beat(4)0
Avg Revenue beat(4)-4.2%
Min Revenue beat(4)-11.88%
Max Revenue beat(4)-0.82%
Revenue beat(8)2
Avg Revenue beat(8)-4.41%
Revenue beat(12)4
Avg Revenue beat(12)-1.56%
Revenue beat(16)8
Avg Revenue beat(16)7.4%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.22%
EPS NY rev (1m)-1.24%
EPS NY rev (3m)-1.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.61%
Valuation
Industry RankSector Rank
PE 10.69
Fwd PE 11.64
P/S 3.37
P/FCF 8.75
P/OCF 8.38
P/B 1.28
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)6.72
EY9.35%
EPS(NY)6.17
Fwd EY8.59%
FCF(TTM)8.22
FCFY11.43%
OCF(TTM)8.58
OCFY11.94%
SpS21.29
BVpS56.21
TBVpS54.14
PEG (NY)N/A
PEG (5Y)0.98
Graham Number92.19
Profitability
Industry RankSector Rank
ROA 1.86%
ROE 11.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.45%
GM N/A
FCFM 38.59%
ROA(3y)1.57%
ROA(5y)1.54%
ROE(3y)10.68%
ROE(5y)10.63%
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 3Y2.67%
PM growth 5Y3.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.55
Debt/EBITDA N/A
Cap/Depr 83.47%
Cap/Sales 1.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 122.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC10.75%
ROIC/WACCN/A
Cap/Depr(3y)75.94%
Cap/Depr(5y)61.91%
Cap/Sales(3y)1.71%
Cap/Sales(5y)1.62%
Profit Quality(3y)125.47%
Profit Quality(5y)130.07%
High Growth Momentum
Growth
EPS 1Y (TTM)28.49%
EPS 3Y18.68%
EPS 5Y10.93%
EPS Q2Q%19.39%
EPS Next Y-8.11%
EPS Next 2Y-2.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.5%
Revenue growth 3Y10.02%
Revenue growth 5Y5.5%
Sales Q2Q%4.53%
Revenue Next Year-1.71%
Revenue Next 2Y0.39%
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 1Y12.51%
FCF growth 3Y2.12%
FCF growth 5Y17.54%
OCF growth 1Y12.89%
OCF growth 3Y2.81%
OCF growth 5Y17.41%

REPUBLIC BANCORP INC-CLASS A / RBCAA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of REPUBLIC BANCORP INC-CLASS A (RBCAA) stock?

ChartMill assigns a fundamental rating of 4 / 10 to RBCAA.


What is the valuation status for RBCAA stock?

ChartMill assigns a valuation rating of 4 / 10 to REPUBLIC BANCORP INC-CLASS A (RBCAA). This can be considered as Fairly Valued.


Can you provide the profitability details for REPUBLIC BANCORP INC-CLASS A?

REPUBLIC BANCORP INC-CLASS A (RBCAA) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for RBCAA stock?

The Price/Earnings (PE) ratio for REPUBLIC BANCORP INC-CLASS A (RBCAA) is 10.69 and the Price/Book (PB) ratio is 1.28.


Can you provide the dividend sustainability for RBCAA stock?

The dividend rating of REPUBLIC BANCORP INC-CLASS A (RBCAA) is 7 / 10 and the dividend payout ratio is 25.78%.