REPUBLIC BANCORP INC-CLASS A(NASDAQ:RBCAA) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to RBCAA. RBCAA was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of RBCAA while its profitability can be described as average. RBCAA has a decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year RBCAA was profitable.

In the past year RBCAA had a positive cash flow from operations.

RBCAA had positive earnings in each of the past 5 years.

Each year in the past 5 years RBCAA had a positive operating cash flow.

1.2 Ratios

RBCAA's Return On Assets of 1.48% is amongst the best of the industry. RBCAA outperforms 89.95% of its industry peers.

The Return On Equity of RBCAA (10.22%) is better than 70.10% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.48%
ROE	10.22%
ROIC	N/A

ROA(3y)1.47%

ROA(5y)1.44%

ROE(3y)10.25%

ROE(5y)10.27%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

RBCAA's Profit Margin of 26.34% is fine compared to the rest of the industry. RBCAA outperforms 67.09% of its industry peers.

RBCAA's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for RBCAA so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.34%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.38%

PM growth 5Y-2.22%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

RBCAA does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, RBCAA has more shares outstanding

RBCAA has less shares outstanding than it did 5 years ago.

The debt/assets ratio for RBCAA is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of RBCAA is 0.72, which is an excellent value as it means it would take RBCAA, only 0.72 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 0.72, RBCAA belongs to the top of the industry, outperforming 80.65% of the companies in the same industry.

RBCAA has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.

RBCAA has a better Debt to Equity ratio (0.10) than 72.86% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	0.72
Altman-Z	N/A

ROIC/WACCN/A

WACC9.87%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 13.70% over the past year.

Measured over the past 5 years, RBCAA shows a small growth in Earnings Per Share. The EPS has been growing by 5.56% on average per year.

The Revenue has been growing slightly by 6.83% in the past year.

Measured over the past years, RBCAA shows a small growth in Revenue. The Revenue has been growing by 4.34% on average per year.

EPS 1Y (TTM)13.7%

EPS 3Y9.62%

EPS 5Y5.56%

EPS Q2Q%-2.97%

Revenue 1Y (TTM)6.83%

Revenue growth 3Y7.55%

Revenue growth 5Y4.34%

Sales Q2Q%-7.56%

3.2 Future

The Earnings Per Share is expected to grow by 3.60% on average over the next years.

The Revenue is expected to grow by 4.73% on average over the next years.

EPS Next Y9.5%

EPS Next 2Y3.6%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.6%

Revenue Next 2Y4.73%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.25, the valuation of RBCAA can be described as correct.

RBCAA's Price/Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Earnings ratio of 28.29, RBCAA is valued rather cheaply.

RBCAA is valuated reasonably with a Price/Forward Earnings ratio of 11.19.

RBCAA's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RBCAA is more expensive than 61.81% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of RBCAA to the average of the S&P500 Index (21.08), we can say RBCAA is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	12.25
Fwd PE	11.19

4.2 Price Multiples

RBCAA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RBCAA is cheaper than 68.84% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.72
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.29

PEG (5Y)2.2

EPS Next 2Y3.6%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

RBCAA has a Yearly Dividend Yield of 2.81%. Purely for dividend investing, there may be better candidates out there.

RBCAA's Dividend Yield is slightly below the industry average, which is at 3.70.

Compared to an average S&P500 Dividend Yield of 2.52, RBCAA has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.81%

5.2 History

The dividend of RBCAA is nicely growing with an annual growth rate of 8.96%!

RBCAA has paid a dividend for at least 10 years, which is a reliable track record.

RBCAA has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)8.96%

Div Incr Years10

Div Non Decr Years10

5.3 Sustainability

30.09% of the earnings are spent on dividend by RBCAA. This is a low number and sustainable payout ratio.

RBCAA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP30.09%

EPS Next 2Y3.6%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

REPUBLIC BANCORP INC-CLASS A

NASDAQ:RBCAA (4/17/2025, 8:00:02 PM)

After market: 64.09 0 (0%)

64.09

+1.54 (+2.46%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/bmo

Earnings (Next)07-17 2025-07-17/bmo

Inst Owners28.6%

Inst Owner Change0.04%

Ins Owners6.8%

Ins Owner Change0.28%

Market Cap1.25B

Analysts40

Price Target71.4 (11.41%)

Short Float %0.55%

Short Ratio2.02

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.81%

Yearly Dividend1.57

Dividend Growth(5Y)8.96%

DP30.09%

Div Incr Years10

Div Non Decr Years10

Ex-Date03-21 2025-03-21 (0.451)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-5.39%

Min EPS beat(2)-20.71%

Max EPS beat(2)9.93%

EPS beat(4)1

Avg EPS beat(4)-5.44%

Min EPS beat(4)-20.71%

Max EPS beat(4)9.93%

EPS beat(8)3

Avg EPS beat(8)-1.15%

EPS beat(12)5

Avg EPS beat(12)-0.74%

EPS beat(16)8

Avg EPS beat(16)-2.86%

Revenue beat(2)2

Avg Revenue beat(2)2.32%

Min Revenue beat(2)2.09%

Max Revenue beat(2)2.56%

Revenue beat(4)2

Avg Revenue beat(4)-4.62%

Min Revenue beat(4)-22.4%

Max Revenue beat(4)2.56%

Revenue beat(8)4

Avg Revenue beat(8)-0.25%

Revenue beat(12)8

Avg Revenue beat(12)11.26%

Revenue beat(16)12

Avg Revenue beat(16)16.65%

PT rev (1m)0%

PT rev (3m)-12.5%

EPS NQ rev (1m)0%

EPS NQ rev (3m)12.05%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.54%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.58%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.24%

Valuation

		Industry Rank	Sector Rank
PE	12.25
Fwd PE	11.19
P/S	3.25
P/FCF	8.72
P/OCF	8.38
P/B	1.26
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)5.23

EY8.16%

EPS(NY)5.73

Fwd EY8.94%

FCF(TTM)7.35

FCFY11.46%

OCF(TTM)7.64

OCFY11.93%

SpS19.74

BVpS50.9

TBVpS48.82

PEG (NY)1.29

PEG (5Y)2.2

Profitability

		Industry Rank	Sector Rank
ROA	1.48%
ROE	10.22%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.34%
GM	N/A
FCFM	37.21%

ROA(3y)1.47%

ROA(5y)1.44%

ROE(3y)10.25%

ROE(5y)10.27%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-2.38%

PM growth 5Y-2.22%

GM growth 3YN/A

GM growth 5YN/A

F-Score9

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	0.72
Debt/EBITDA	N/A
Cap/Depr	67.25%
Cap/Sales	1.51%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	141.25%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC9.87%

ROIC/WACCN/A

Cap/Depr(3y)59.9%

Cap/Depr(5y)50.55%

Cap/Sales(3y)1.51%

Cap/Sales(5y)1.51%

Profit Quality(3y)139.93%

Profit Quality(5y)122.79%

High Growth Momentum

Growth

EPS 1Y (TTM)13.7%

EPS 3Y9.62%

EPS 5Y5.56%

EPS Q2Q%-2.97%

EPS Next Y9.5%

EPS Next 2Y3.6%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)6.83%

Revenue growth 3Y7.55%

Revenue growth 5Y4.34%

Sales Q2Q%-7.56%

Revenue Next Year5.6%

Revenue Next 2Y4.73%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y40.89%

FCF growth 3Y14.86%

FCF growth 5Y9.18%

OCF growth 1Y37.29%

OCF growth 3Y14.1%

OCF growth 5Y7.21%

REPUBLIC BANCORP INC-CLASS A (RBCAA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens