# Republic Bancorp Inc. (RBCAA) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $96.80, market value $1.9 billion.

## Valuation
- **P/E (trailing): 14.8×**. Republic Bancorp Inc. trades at 14.8× trailing earnings. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 14.0×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 4.6×**. Each dollar of revenue is priced at 4.6×.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.9%** (5-yr avg 12.6%). Free cash flow equals 6.9% of the market value, below its five-year average of 12.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 6.7%**. The inverse of the P/E: 6.7% of the price is earned each year.

## Profitability
- **Net margin: 31.5%**. 31.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.9%**. 11.9% on shareholders' equity is solid.
- **Return on assets: 1.8%**. Each dollar of assets produces 1.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 8.5%** (3-yr 8.5%/yr, 5-yr 5.5%/yr). Revenue grew 8.5% over the last year, against 5.5% a year compounded over five years: growth is accelerating.
- **Free-cash-flow growth (3 yr): 2.1%/yr**. Free cash flow has compounded at 2.1% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.04%** ($1.89 per share, trailing). Republic Bancorp Inc. yields 2.04%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 26%** (27% of free cash flow). 26% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 21**. 21 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 9.5%/yr** (1-yr 10.8%). The dividend has grown 9.5% a year over five years.

## Analyst view
- **Analyst consensus: hold** (1 analyst). 1 analysts cover Republic Bancorp Inc.; the consensus is hold, with an average price target of $98.00 (+1% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 27.6%** (YTD 42.2%, 3-mo 15.2%). The shares are up 27.6% over twelve months including dividends.
- **From 52-week high: -5.3%** (51.3% above the low). Trading 5% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 0.35** (volatility 26%). Beta of 0.35 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=RBCAA · Page: https://foliofundamentals.com/stocks/rbcaa

Not investment advice.