| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | 1 | — | — | — | — | — | — | — |
| Sell | — | — | 1 | — | 1 | — | — | — | 2 | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 1.98 |
—
—
—
|
| 2025 | 1.80 |
—
—
—
—
|
| 2024 | 1.63 |
—
—
—
—
|
| 2023 | 1.50 |
—
—
—
—
|
| 2022 | 1.36 |
—
—
—
—
|
| 2021 | 1.23 |
—
—
—
—
|
| 2020 | 1.14 |
—
—
—
—
|
| 2019 | 1.06 |
—
—
—
—
|
| 2018 | 0.97 |
—
—
—
—
|
| 2017 | 0.87 |
—
—
—
—
|
| 2016 | 0.83 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 316.57 | 432.15 | 219.97 | 354.09 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 5,501.53 | 5,812.03 | 5,698.30 | 5,734.73 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 5,053.16 | 5,210.55 | 5,203.15 | 5,551.74 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 5,150.78 | 5,313.86 | 5,291.65 | 5,620.36 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 143.75 | 122.10 | — | — |
—
|
| ’25 | 162.99 | 119.85 | 119.81 | 118.69 |
521.34
|
| ’24 | 154.01 | 116.05 | 118.36 | 117.23 |
505.64
|
| ’23 | 123.04 | 98.71 | 100.21 | 105.57 |
427.52
|
| ’22 | 95.12 | 83.47 | 75.73 | 79.68 |
333.99
|
| ’21 | 98.59 | 73.46 | 73.29 | 69.63 |
314.98
|
| ’20 | 111.73 | 72.59 | 75.31 | 79.69 |
339.31
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 73.01 | 1.08 | — | — |
—
|
| ’25 | 89.10 | 8.45 | 37.37 | 33.29 |
168.21
|
| ’24 | 71.22 | 3.98 | 51.27 | 22.53 |
149.00
|
| ’23 | 70.74 | (5.84) | 21.36 | 22.28 |
108.53
|
| ’22 | 80.87 | 13.71 | 40.21 | 20.00 |
154.79
|
| ’21 | 16.77 | 38.52 | 41.14 | 3.83 |
100.25
|
| ’20 | 28.18 | 13.19 | 20.67 | 13.39 |
75.43
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 68.09 | (0.12) | — | — |
—
|
| ’25 | 87.47 | 5.17 | 34.90 | 33.57 |
161.11
|
| ’24 | 69.13 | 2.69 | 49.77 | 21.59 |
143.19
|
| ’23 | 69.05 | (7.69) | 19.61 | 20.66 |
101.64
|
| ’22 | 80.55 | 12.19 | 39.43 | 19.12 |
151.29
|
| ’21 | 15.71 | 36.29 | 40.09 | 3.01 |
95.11
|
| ’20 | 27.96 | 12.16 | 20.10 | 12.52 |
72.74
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 2.18 | 1.68 | — | — |
—
|
| ’25 | 2.42 | 1.61 | 1.52 | 1.17 |
6.72
|
| ’24 | 1.58 | 1.30 | 1.37 | 0.98 |
5.21
|
| ’23 | 1.42 | 1.07 | 1.10 | 1.01 |
4.62
|
| ’22 | 1.40 | 1.20 | 0.99 | 0.94 |
4.59
|
| ’21 | 0.97 | 1.16 | 0.99 | 0.84 |
4.24
|
| ’20 | 1.28 | 0.76 | 0.98 | 0.98 |
3.99
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 38.17 | 37.23 | 46.55 | 56.79 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 52.63 | 57.54 | 80.68 | 78.25 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,012 | 1,028 | 999 | 983 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.33 | 0.42 | 0.51 | 0.53 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 333.99 | 427.52 | 505.64 | 521.34 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 97.76% | 84.26% | 76.10% | 80.08% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 116.85 | 113.21 | 127.70 | 165.71 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 34.98% | 26.48% | 25.26% | 31.79% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 91.11 | 90.37 | 101.37 | 131.32 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.90 | 10.32 | 11.38 | 12.43 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 16.67 | 21.60 | 25.73 | 26.53 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | 4.60 | 4.64 | 5.24 | 6.74 | ‡‡‡‡‡ | ‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.73 | 5.48 | 7.58 | 8.56 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.17) | (0.35) | (0.30) | (0.36) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | 7.55 | 5.14 | 7.29 | 8.20 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 42.75 | 46.12 | 50.48 | 56.10 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 20.04 | 19.79 | 19.65 | 19.65 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.05 | 11.92 | 13.28 | 10.22 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.46 | 2.54 | 2.72 | 2.60 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.96 | 1.19 | 1.38 | 1.23 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.47 | 3.34 | 3.19 | 3.68 | ‡‡‡‡ | ‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.45 | 14.05 | 11.26 | 11.91 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 154.79 | 108.53 | 149.00 | 168.21 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (3.50) | (6.90) | (5.81) | (7.10) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 151.29 | 101.64 | 143.19 | 161.11 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 23.45 | 350.75 | 498.16 | 406.65 | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 317.00 | 380.00 | 395.00 | 506.00 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.31 | 63.43 | (37.15) | 286.03 | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 856.61 | 912.76 | 992.03 | 1,102.29 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.53% | 1.45% | 1.51% | 1.89% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.49% | 7.39% | 8.36% | 7.46% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.77% | 10.22% | 10.64% | 12.54% | — | — | — |
ROE
|
Republic Bancorp (RBCAA), a steady regional bank out of Louisville, Kentucky, has delivered impressive growth for patient investors, with revenue surging 118% from $232 million in 2016 to $506 million in 2024, and net income up 121% to $101 million—even weathering COVID and the 2023 bank crises that toppled peers like SVB. Earnings per share jumped 136% to $5.24, fueled by efficient operations (revenue per employee doubled), strong free cash flow, and smart expansions in mortgages and treasury services, while keeping headcount stable around 1,000.
The balance sheet is a fortress: debt slashed 74% to just $395 million (net debt now negative), equity up 64%, driving ROE at a solid 10.6% and ROIC to 8.4%. Trading at reasonable 13x PE and 1.4x PB, shares have climbed with fundamentals—highs up 97% over the decade—offering modest analyst upside amid forecasts of EPS hitting $6.88 in 2025 (+31%) despite a revenue reset from normalizing rates.
For everyday investors seeking defensive quality, RBCAA shines with reliable dividends, buybacks, and crisis resilience, though light insider selling warrants watching. Dive into the full analysis for the charts, risks, and why it could anchor your portfolio.
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