Republic Bancorp Inc. Class A Common Stock (RBCAA)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks that earn consistently, fund themselves prudently, and sell at a sensible price relative to book value. Republic Bancorp is a $1.8 billion market-cap bank holding company with five segments, including traditional banking, warehouse lending, tax refund solutions, payment solutions, and credit solutions. In fiscal 2025, the year ended 2025-12-31, it reported revenue of $417.5 million and net income of $131.3 million, up from $384.8 million and $101.4 million in fiscal 2024, and $360.2 million and $90.4 million in fiscal 2023. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $101.3 million and net income $32.9 million, versus $93.8 million and $31.5 million in fiscal Q2 2025. Return on equity is a FairStock calculation of 11.55%, acceptable but not exceptional. At the 2026-10-13 close of $91.16, FairStock shows a P/E of 13.94, P/B of 1.55, dividend yield of 2.17%, and PEG of 3.18. The Piotroski score is only 3/9, so the balance-sheet and earnings-quality signals are mixed. The Lynch category is STALWART: 9.5% annual profit growth and 5.5% revenue growth over five years. That is a steady, not spectacular, profile. I cannot see CET1, net interest margin, or credit-loss data here, and for a bank those are critical. A low beta of 0.57 is comforting, but 1.55 times book for an 11.55% return on equity leaves little obvious bargain. I would call the price fair and wait for more credit and capital disclosure.

In plain English: Republic Bancorp is a small U.S. bank holding company that runs a traditional bank plus tax refund, warehouse lending, and payment businesses. It has made steady profits, and the latest quarter showed modest growth from a year earlier, but the returns and growth are not outstanding. At the recent price, the stock looks roughly fair rather than clearly cheap or expensive compared with its earnings and what the company is worth on its books.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer