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    R

    Republic Bancorp Inc (RBCAA)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $91.76
    +0.95 (+1.05%)

    Market Cap: $1.78B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    74%(29/39)
    Avg Surprise
    +10.52%
    Streak
    2 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.65
    Range$1.63 - $1.66
    2 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.56+5.4%
    60d ago$1.56+5.4%
    30d ago$1.63+0.9%
    7d ago$1.63+0.9%
    Current$1.65
    Revenue Consensus
    $100M
    Range$100M - $101M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.77
    Range$1.61 - $1.94
    2 analysts
    Revenue Consensus
    $107M
    Range$105M - $109M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.77---
    Sep 26EST
    		-$1.65---
    Jun 26
    Reported Jul 24
    		$1.68$1.55+8.39%Beat+6.3%
    Mar 26
    Reported Apr 23
    		$2.04$1.84+10.87%Beat-15.7%
    Dec 25
    Reported Jan 30
    		$1.16$1.32-12.12%Miss+18.4%
    Sep 25
    Reported Oct 17
    		$1.51$1.41+7.09%Beat+10.2%
    Jun 25
    Reported Jul 18
    		$1.58$1.44+9.72%Beat+21.5%
    Mar 25
    Reported Apr 24
    		$2.42$1.86+30.11%Beat+53.2%
    Dec 24
    Reported Mar 6
    		$0.98$1.20-18.33%Miss-3.0%
    Sep 24
    Reported Oct 18
    		$1.37$1.21+13.22%Beat+24.5%
    Jun 24
    Reported Jul 19
    		$1.30$1.33-2.26%Miss+21.5%
    Mar 24
    Reported Apr 25
    		$1.58$1.63-3.07%Miss-1.9%
    Dec 23
    Reported Mar 14
    		$1.01$0.73+38.36%Beat+7.4%
    Sep 23
    Reported Oct 20
    		$1.10$0.98+12.24%Beat+11.1%
    Jun 23
    Reported Jul 21
    		$1.07$1.17-8.55%Miss-10.8%
    Mar 23
    Reported Apr 20
    		$1.61$1.76-8.52%Miss+15.0%
    Dec 22
    Reported Jan 27
    		$0.94$0.94+0.00%Beat+11.9%
    Sep 22
    Reported Oct 21
    		$0.99$0.74+33.78%Beat+8.8%
    Jun 22
    Reported Jul 22
    		$1.20$1.11+8.11%Beat+50.0%
    Mar 22
    Reported Apr 21
    		$1.40$1.22+14.75%Beat+42.9%
    Dec 21
    Reported Jan 28
    		$0.84$0.80+5.00%Beat-14.3%
    Sep 21
    Reported Oct 22
    		$0.91$0.90+1.11%Beat-7.1%
    Jun 21
    Reported Jul 23
    		$0.80$1.11-27.93%Miss+5.3%
    Mar 21
    Reported Apr 22
    		$0.98$1.80-45.56%Miss-23.4%
    Dec 20
    Reported Jan 29
    		$0.98$0.74+32.43%Beat+10.1%
    Sep 20
    Reported Oct 16
    		$0.98$0.41+139.02%Beat+18.1%
    Jun 20
    Reported Jul 17
    		$0.76$0.67+13.43%Beat-11.6%
    Mar 20
    Reported Apr 23
    		$1.28$1.26+1.59%Beat-9.2%
    Dec 19
    Reported Mar 13
    		$0.89$0.80+11.25%Beat+7.2%
    Sep 19
    Reported Oct 18
    		$0.83$0.75+10.67%Beat+0.0%
    Jun 19
    Reported Jul 19
    		$0.86$0.78+10.26%Beat+16.2%
    Mar 19
    Reported Apr 24
    		$1.41$1.36+3.68%Beat+6.8%
    Dec 18
    Reported Mar 15
    		$0.83$0.65+27.69%Beat+56.6%
    Sep 18
    Reported Oct 19
    		$0.83$0.61+36.07%Beat+62.7%
    Jun 18
    Reported Jul 20
    		$0.74$0.58+27.59%Beat+54.2%
    Mar 18
    Reported Apr 19
    		$1.32$1.21+9.09%Beat+37.5%
    Dec 17
    Reported Mar 9
    		$0.53$0.47+12.77%Beat+10.4%
    Sep 17
    Reported Oct 20
    		$0.51$0.46+10.87%Beat-
    Jun 17
    Reported Jul 21
    		$0.48$0.52-7.69%Miss-
    Mar 17
    Reported Apr 20
    		$0.96$1.00-4.00%Miss-
    Dec 16
    Reported Mar 10
    		$0.48$0.44+9.09%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.16%
    Forward Annual Dividend$1.98
    Payout Ratio29.70%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+9.77%
    5Y CAGR+9.54%
    RBCAA dividend history and ex-dividend datesRun RBCAA in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio14.36EV/EBITDA9.11x
    Price/FCF13.67xFCF Yield7.32%
    Profitability
    Profit Margin33.50%Operating Margin45.00%
    ROE11.60%ROIC9.26%
    Financial Health
    Debt/Equity0.20xInterest Coverage1.72x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.57Avg Volume111.25K
    52-Week High$101.6852-Week Low$62.42

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$92.16
    SMA 20$92.73
    SMA 50$94.39
    SMA 200$81.52
    EMA 10$91.95
    EMA 20$92.64
    EMA 50$92.94
    EMA 200$84.40

    MACD

    Line: -0.82Signal: -0.69Hist: -0.13

    ADX

    ADX: 17.4+DI: 20.8-DI: 28.8

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down96.0
    PSAR$89.05

    Bollinger Bands

    Upper Band$95.00
    Lower Band$90.47
    %B Position489%(Upper)
    Band Width0.29

    RSI (14-Day)

    Neutral
    44.3

    Momentum Oscillators

    Stoch %K33.5
    Stoch %D31.2
    Williams %R-52.8
    ROC (10d)-0.5%
    Momentum-0.45
    CCI (20d)-50.6
    MFI (14d)31.3

    Volatility Measures

    ATR (14d)$1.85(2.0%)
    StdDev (20d)1.13
    Hist Vol14.8%(Low)

    Volume Flow

    VWAP$92.03
    OBV894.4K
    AD Line-15.6M
    CMF (20d)-0.107

    Volume Metrics

    Avg Vol (20d)107.8K
    Vol Ratio0.9x
    VWMA (20d)$92.64

    Pivot Points

    R3$94.46
    R2$93.02
    R1$91.92
    Pivot Point$90.48
    S1$89.38
    S2$87.94
    S3$86.84

    Advanced Oscillators

    TSI-14.93
    Ultimate Osc42.7
    KST-25.90

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$101.27M$120.41M$94.27M$93.54M$93.85M$135.84M$89.51M$88.12M$86.88M$120.29M$81.56M$79.17M
    Cost of RevenueN/A$33.12M$34.50M$28.29M$27.82M$44.82M$40.66M$35.90M$34.31M$64.33M$34.99M$24.77M
    Gross ProfitN/A$106.00M$84.19M$89.88M$90.53M$116.53M$74.97M$80.92M$80.33M$88.37M$69.36M$73.86M
    Operating Expenses$53.56M$55.25M$56.59M$53.75M$51.63M$58.21M$53.51M$48.61M$49.63M$50.97M$47.05M$48.37M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$55.38M$27.59M$37.76M$40.39M$59.96M$23.05M$33.85M$32.10M$38.70M$23.52M$27.07M
    Interest Income$102.53M$113.79M$103.23M$103.24M$102.20M$129.84M$103.11M$101.55M$97.70M$130.63M$90.78M$85.87M
    Interest Expense$20.83M$23.34M$24.42M$26.27M$26.00M$27.15M$27.71M$30.24M$29.16M$33.71M$24.00M$21.04M
    Income Before Tax$42.55M$55.38M$27.59M$37.76M$40.39M$59.96M$23.05M$33.85M$32.10M$38.70M$23.52M$27.07M
    Income Tax Expense$9.68M$12.82M$4.77M$8.02M$8.91M$12.69M$4.03M$7.31M$6.90M$8.09M$3.86M$5.50M
    Net Income$32.87M$42.57M$22.82M$29.74M$31.48M$47.27M$19.02M$26.54M$25.21M$30.61M$19.66M$21.57M
    EBITDA$48.47M$61.06M$31.85M$42.37M$44.71M$65.38M$27.44M$37.86M$36.31M$43.47M$27.52M$30.73M
    EBIT$42.55M$55.38M$27.59M$37.76M$40.39M$59.96M$23.05M$33.85M$32.10M$38.70M$23.52M$27.07M
    * Some calculated fields are derived from available data when not provided by source

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    News

    An EVP acquires 50 Class A shares at $91.70 each in Republic Bancorp (RBCAA).

    Jeff Starke, EVP and Chief Information Officer of Republic Bancorp Inc. (RBCAA), acquired 50 Class A shares at $91.70 per share on September 30...

    Stock Titan•10/3/26•Somewhat-Bullish

    50 shares at $91.70 each: Republic Bancorp (RBCAA) CFO Kevin Sipes reports an acquisition.

    Republic Bancorp Inc. (RBCAA) Chief Financial Officer Kevin D. Sipes acquired 50 shares of Class A Common Stock on September 30, 2026...

    Stock Titan•10/3/26•Neutral

    Dividend-linked rights add 50 shares for Republic Bancorp (RBCAA) executive Juan Montano.

    Juan Montano, EVP and Chief Mortgage Banking Officer of Republic Bancorp Inc (RBCAA), acquired 50 shares of Class A common stock on September 30, 2026, due to dividend equivalent rights...

    Stock Titan•10/3/26•Neutral

    Bank CEO acquires 63 shares in Republic Bancorp (RBCAA), including 38 through an employee stock plan.

    Logan Pichel, President and CEO of Republic Bank, acquired 63 Class A common shares in Republic Bancorp (RBCAA) on September 30...

    Stock Titan•10/2/26•Neutral

    A director acquires 142 shares of Republic Bancorp (RBCAA), bringing her direct holdings to 2,959.

    Republic Bancorp director Yoania Cannon acquired 142 shares of Class A Common Stock on September 30, 2026, increasing her direct holdings to 2,959 shares. This acquisition, priced at $91.70 per share...

    Stock Titan•10/2/26•Neutral

    RBCAA Valuation and Fair Value

    P/E
    14.4x
    Forward P/E
    14.2x
    EV/EBITDA
    9.1x
    P/FCF
    13.7x
    PEG
    1.3x
    P/B
    1.6x
    See GNG's fair value

    RBCAA Profitability: Margins, ROIC and FCF

    Operating margin
    45.0%
    Net margin
    33.5%
    ROIC
    9.3%
    ROE
    11.6%
    FCF margin
    32.2%
    FCF yield
    7.3%

    RBCAA Competitors

    CompanyTicker
    German American Bancorp IncGABC
    SRH Total Return Fund Inc.STEW
    Horace Mann Educators CorporationHMN
    Hope Bancorp IncHOPE
    Zhong Yang Financial Group Limited Ordinary SharesTOP
    S&T Bancorp IncSTBA
    Patria Investments LtdPAX
    Dime Community Bancshares, Inc.DCOM

    Sector: Financial Services

    RBCAA Bull Case vs Bear Case

    Bull case

    • RBCAA converts 32.2% of revenue into free cash flow.
    • RBCAA has a 33.5% net profit margin.
    • RBCAA beat EPS estimates in 75.0% of its last 8 reported quarters.

    RBCAA Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    6.1%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.65
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    RBCAA Dividend

    Forward yield
    2.2%
    Payout ratio
    29.7%
    3Y DPS growth
    9.8%
    5Y DPS growth
    9.5%
    Pay months
    Jan, Apr, Jul, Oct
    RBCAA dividend history

    Frequently Asked Questions About RBCAA

    What is RBCAA's current dividend yield?

    Republic Bancorp Inc (RBCAA) has a forward dividend yield of 2.16%.

    Does RBCAA pay dividends?

    Yes, Republic Bancorp Inc pays dividends with a forward dividend yield of 2.16%.

    What is RBCAA's P/E ratio?

    Republic Bancorp Inc has a price-to-earnings (P/E) ratio of 14.36.

    What is RBCAA's market cap?

    Republic Bancorp Inc (RBCAA) has a market capitalization of $1.78B with a current stock price of $91.76.

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