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Republic Bancorp

NSQ:RBCAA · US7602812049
BanksSmall

360

26
Profit price44
Cash yield55
Price/Sales13
EV / Gross Profit38
Price/Book10
Returns on capital78
Profit margins—
Cash Conversion55
Accruals22
Owner Earnings Margin72
Sales growth4
Profit Growth58
Owner Earnings Growth17
Reinvestment86
Price momentum32
Debt load48
Debt serviceability75
Liquidity93
Analyst ratings1
Opinion Changes50
Price Target Upside4
Market mood37
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Republic Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1974
Websiterepublicbank.com
ISINUS7602812049
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
FintechConsumer LendingBankingFinanceFinancial Services

Description

Republic Bancorp, Inc. (Republic) operates as a financial holding company for Republic Bank & Trust Company (the bank). As of December 31, 2025, the company is a Kentucky-based, state-chartered non-member financial institution that provides both tra…

Analysis

Quality compounder

Republic Bancorp, Inc. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 13.6× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
18
2023202420252026

All-time high

71

Jan 2025

All-time low

4

Feb 2026

Average rank

27

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
13
21
13
11
Price/Earnings
8
36
9
15
Price/Book
10
25
29
45
Dividend Yield
55
44
34
65
Value (overall)
14
17
4
15

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →