Republic Bancorp Inc (RBCAA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Republic Bancorp Inc stock (RBCAA) is currently trading at $68.75. Republic Bancorp Inc PE ratio is 9.94. Republic Bancorp Inc PS ratio (Price-to-Sales) is 3.38. Analyst consensus price target for RBCAA is $75.00. WallStSmart rates RBCAA as Moderate Buy.
- RBCAA PE ratio analysis and historical PE chart
- RBCAA PS ratio (Price-to-Sales) history and trend
- RBCAA intrinsic value — DCF, Graham Number, EPV models
- RBCAA stock price prediction 2025 2026 2027 2028 2029 2030
- RBCAA fair value vs current price
- RBCAA insider transactions and insider buying
- Is RBCAA undervalued or overvalued?
- Republic Bancorp Inc financial analysis — revenue, earnings, cash flow
- RBCAA Piotroski F-Score and Altman Z-Score
- RBCAA analyst price target and Smart Rating
Republic Bancorp Inc
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RBCAA Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Republic Bancorp Inc (RBCAA)
RBCAA trades at a significant discount to its Graham intrinsic value of $259.66, offering a 72% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Republic Bancorp Inc (RBCAA) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Republic Bancorp Inc (RBCAA) Key Strengths (4)
Keeps $34 of every $100 in revenue after operating costs
Keeps $34 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.19x book value, attractively priced
Supporting Valuation Data
Republic Bancorp Inc (RBCAA) Areas to Watch (6)
Low institutional interest, mostly retail-driven
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.38x sales
Solid revenue growth at 10.00% per year
Solid earnings growth at 19.90%
Republic Bancorp Inc (RBCAA) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 5.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, PEG Ratio. Valuation metrics including PEG Ratio (1.27), Price/Book (1.19) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 33.70%, Profit Margin at 34.00%.
The Bear Case
The primary concerns are Institutional Own., Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.38) suggest expensive pricing. Growth concerns include Revenue Growth at 10.00%, EPS Growth at 19.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Institutional Own., Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
RBCAA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
RBCAA's Price-to-Sales ratio of 3.38x trades 63% above its historical average of 2.08x (95th percentile), historically expensive. The current valuation is 8% below its historical high of 3.69x set in Dec 2016, and 222% above its historical low of 1.05x in Jan 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for Republic Bancorp Inc (RBCAA) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Republic Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 386M with 10% growth year-over-year. Profit margins are strong at 34.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1250.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 34.0% and operating margin of 33.7% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 266.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Republic Bancorp Inc.
Bottom Line
Republic Bancorp Inc is a well-established business delivering consistent profitability with 34.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Republic Bancorp Inc(RBCAA)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Republic Bancorp, Inc., a financial holding company, offers various banking products and services in the United States. The company is headquartered in Louisville, Kentucky.