Stocks · Financial Services · Banks - Regional
Republic Bancorp, Inc. RBCAA
$93.70 +1.62% Close, Oct 2, 2026 · NASDAQ · Market cap $1.64B
Strong trend
Next earnings report: Oct 16, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 14.5× trailing earnings, higher than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 127 trading days, with the 50-day average above the 200-day.
- The company holds net cash of $98.4M (cash above total debt).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 23%
- EPS growth (TTM, YoY)Bottom 31%
- FCF growth (TTM, YoY)Bottom 19%
- Revenue growth, 3-year CAGRTop 38%
- Revenue growth accelerationTop 35%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 45%
- Gross marginTop 24%
- Operating marginTop 22%
- Cash conversion (OCF / net income)Bottom 45%
- Accruals (lower is better)Bottom 44%
- Net debt / EBITDA (lower is better)Top 21%
- Interest coverTop 33%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 47%
- Free-cash-flow yieldTop 49%
- EBITDA / enterprise valueTop 21%
- Sales / enterprise valueTop 46%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 18%
- 6-month returnTop 10%
- 1-year return vs S&P 500Top 19%
- Distance from 52-week highTop 41%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 42%
- Consecutive EPS beatsTop 42%
- Upside to consensus price targetBottom 1%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 47%
- Maximum drawdown, 3 yearsTop 32%
- Beta vs S&P 500 (lower is better)Top 46%
- Net debt / EBITDA (lower is better)Top 21%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -2.8% | -1.5% | ↑ |
| EPS growth (YoY) | 6.7% | 2.5% | ↓ |
| Gross margin | 70.9% | 75.8% | ↑ |
| Operating margin | 30.7% | 33.6% | ↑ |
| FCF margin | 33.0% | 26.2% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -1.5% | -2.8% | ↑ | Bottom 23% |
| EPS growth (TTM, YoY) | 2.5% | 6.7% | ↓ | Bottom 31% |
| Gross margin | 75.8% | 70.9% | ↑ | Top 24% |
| Operating margin | 33.6% | 30.7% | ↑ | Top 22% |
| Net margin | 25.4% | 24.3% | ↑ | — |
| Free-cash-flow margin | 26.2% | 33.0% | ↓ | — |
| Return on invested capital | 1.9% | — | Top 45% | |
| Revenue growth, 3-year CAGR | 18.1% | — | Top 38% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.10×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -75.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.54×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.18%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 2.18%
- Share count change, 1 year
- +0.2%
- Share count change, 3-year CAGR
- -0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +6.2%
- Average 2-day reaction, last 8
- +1.9%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $51.00
- Target vs current price
- -45.6%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | +8.4% | +3.2% | +8.5% | +3.9% | — |
| Apr 23, 2026 | +18.5% | +6.0% | +3.5% | +8.2% | +25.4% |
| Jan 30, 2026 | -10.0% | +1.7% | +4.2% | -3.4% | +5.2% |
| Oct 17, 2025 | +7.8% | +3.8% | +1.0% | -2.2% | +1.8% |
| Jul 18, 2025 | +11.8% | +0.1% | -4.0% | -4.1% | -9.1% |
| Apr 24, 2025 | +30.1% | +1.2% | +1.5% | +7.3% | +12.2% |
| Jan 24, 2025 | -18.3% | -2.4% | -4.6% | -4.4% | -7.1% |
| Oct 18, 2024 | +13.2% | +2.0% | +0.6% | +13.1% | +0.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $1.68 | $1.55 | +8.4% | $101.3M |
| Apr 23, 2026 | $2.18 | $1.84 | +18.5% | $79.0M |
| Jan 30, 2026 | $1.17 | $1.30 | -10.0% | $74.4M |
| Oct 17, 2025 | $1.52 | $1.41 | +7.8% | $91.9M |
| Jul 18, 2025 | $1.61 | $1.44 | +11.8% | $92.4M |
| Apr 24, 2025 | $2.42 | $1.86 | +30.1% | $134.2M |
| Jan 24, 2025 | $0.98 | $1.20 | -18.3% | $89.5M |
| Oct 18, 2024 | $1.37 | $1.21 | +13.2% | $86.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.5× | 10.6× | 95th | Top 47% |
| P/E (forward) | 13.5× | — | — | — |
| EV / EBITDA | 8.5× | — | — | Top 21% |
| EV / Sales | 3.05× | — | — | Top 46% |
| Free-cash-flow yield | 8.08% | — | — | Top 49% |
| Earnings yield | 6.91% | — | — | Top 47% |
P/E over the past five years
Range 8.7× – 15.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +31.3%
- Earnings per share growth (TTM)
- +2.5%
- Change in P/E multiple
- +42.7%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 127
- 50-day average slope (20 days)
- +1.9%
- 200-day average slope (20 days)
- +3.2%
- Distance from 50-day average
- -2.3%
- Distance from 200-day average
- +15.4%
- RSI (14)
- 47.4
- Relative volume
- 0.49×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.2%
- Volatility vs own 5-year history
- 9th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.66
- Correlation with S&P 500
- 0.39
- Current drawdown from 1-year high
- -6.9%
- Maximum drawdown, 3 years
- -22.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 8, 2021 | May 4, 2023 | -33.2% | 373 days | 299 days (Jul 15, 2024) |
| Nov 12, 2024 | Apr 3, 2025 | -22.6% | 96 days | 283 days (May 20, 2026) |
| Jul 26, 2024 | Aug 12, 2024 | -16.7% | 11 days | 27 days (Sep 19, 2024) |
| Sep 19, 2024 | Oct 3, 2024 | -10.4% | 10 days | 11 days (Oct 18, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.64B
- P/E (TTM)
- 14.5
- EPS, diluted (TTM)
- $6.47
- Revenue (TTM)
- $504.7M
- Dividend yield
- 2.07%
- 52-week range
- $63.97 – $102.22
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $310.0M | $316.2M | $421.6M | $499.8M | $521.3M |
| Gross profit | $289.5M | $286.4M | $306.6M | $324.6M | $385.9M |
| Operating income | $111.4M | $116.8M | $113.2M | $127.7M | $165.7M |
| Net income | $87.6M | $91.1M | $90.4M | $101.4M | $131.3M |
| EPS (diluted) | $4.26 | $4.57 | $4.55 | $5.18 | $6.63 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $116.8M | $115.6M | $161.4M | $118.4M | $118.2M | $118.7M | $139.1M | $128.7M |
| Net income | $26.5M | $19.0M | $47.3M | $31.5M | $29.7M | $22.8M | $42.6M | $32.9M |
| EPS (diluted) | $1.34 | $0.96 | $2.42 | $1.59 | $1.52 | $1.15 | $2.15 | $1.65 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $100.3M | $154.8M | $108.5M | $149.0M | $168.2M |
| Capital expenditure | -$5.8M | -$3.5M | -$6.9M | -$5.8M | -$7.1M |
| Free cash flow | $94.5M | $151.3M | $101.6M | $143.2M | $161.1M |
| Dividends paid | -$24.7M | -$26.1M | -$28.4M | -$30.5M | -$33.9M |
| Net share buybacks | -$47.5M | -$12.6M | -$20.3M | $34,000 | $796,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $354.1M
- Total assets
- $7.06B
- Total liabilities
- $5.91B
- Total debt
- $255.7M
- Net debt
- -$98.4M
- Shareholders’ equity
- $1.16B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 18, 2026 | $0.50 | Oct 16, 2026 |
| Jun 18, 2026 | $0.50 | Jul 17, 2026 |
| Mar 20, 2026 | $0.50 | Apr 17, 2026 |
| Dec 19, 2025 | $0.45 | Jan 16, 2026 |
| Sep 19, 2025 | $0.45 | Oct 17, 2025 |
| Jun 20, 2025 | $0.45 | Jul 18, 2025 |
| Mar 21, 2025 | $0.45 | Apr 18, 2025 |
| Dec 20, 2024 | $0.41 | Jan 17, 2025 |
Short interest
- Shares sold short
- 465,581
- Days to cover
- 3.88
- Change vs previous report
- +18.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 21, 2007
- 21-for-20
- Mar 22, 2006
- 21-for-20
- Mar 22, 2005
- 21-for-20
- Mar 26, 2004
- 21-for-20