US · RBCAA
Republic Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Louisville, KY 40202
- Website
- republicbank.com
Price · as of 2025-12-31
$76.28
Market cap 1.2B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $104.79 | +37.38% |
| Intrinsic Value(DCF) | $76.32 | +0.05% |
| Graham-Dodd Method(GD) | $87.03 | +14.1% |
| Graham Formula(GF) | $82.07 | +7.59% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $16.81 | $36.82 | $84.87 | $34.77 | $82.98 |
| 2012 | $15.52 | $42.02 | $24.64 | $27.74 | $9.26 |
| 2013 | $17.11 | $51.62 | $21.80 | $21.61 | $0.00 |
| 2014 | $18.03 | $14.59 | $21.67 | $22.52 | $7.54 |
| 2015 | $19.39 | $13.85 | $22.86 | $24.19 | $27.89 |
| 2016 | $26.70 | $34.79 | $25.29 | $27.03 | $63.53 |
| 2017 | $31.48 | $35.94 | $27.21 | $27.70 | $59.88 |
| 2018 | $34.33 | $40.31 | $42.77 | $36.76 | $84.91 |
| 2019 | $29.70 | $41.55 | $41.70 | $42.54 | $73.72 |
| 2020 | $40.60 | $33.00 | $38.59 | $42.00 | $23.31 |
| 2021 | $39.66 | $23.91 | $41.47 | $43.24 | $4.50 |
| 2022 | $38.22 | $24.63 | $44.72 | $45.55 | $46.12 |
| 2023 | $47.58 | $39.65 | $46.35 | $45.87 | $184.84 |
| 2024 | $64.64 | $37.65 | $126.44 | $51.44 | $135.07 |
| 2025 | $69.80 | $104.79 | $142.18 | $87.03 | $82.07 |
AI valuation
Our deep-learning model estimates Republic Bancorp, Inc.'s (RBCAA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $104.79
- Current price
- $76.28
- AI upside
- +37.38%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$76.32
+0.05% upside
Graham-Dodd
$87.03
+14.1% upside
Graham Formula
$82.07
+7.59% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| RBCAA | Republic Bancorp, Inc. | $76.28 | 1.2B | +37% | 0% | +14% | +8% | 10.49 | 1.25 | 2.64 | 5.40 | 37.49 | 1.30 | 74.02% | 31.79% | 25.19% | 12.54% | 19.16% | 1.89% | 0.57 | 1.60 | 14.82 | 14.82 | 2.46 | 2799.00% | 431.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 5.40 | — | 1.72 | 0.50 |
| BFC | Bank First Corporation | $134.67 | 1.51B | +1% | +12% | -13% | -16% | 19.02 | 0.82 | 5.65 | 14.38 | 169.33 | 0.82 | 70.34% | 36.67% | 29.73% | 6.22% | 7.08% | 1.60% | 0.07 | 1.26 | 0.05 | 0.05 | -0.13 | 1123.00% | 771.00% | -11989.00% | -0.86% | 0.00 | -1.15% | 4.22% | 80.20% | 5.84% | 15.29 | -115.62 | 5.61 | -0.28 |
| BY | Byline Bancorp, Inc. | $31.20 | 1.43B | +53% | -2% | +3% | -14% | 10.93 | 1.12 | 2.26 | 2.78 | 214.79 | 1.33 | 66.12% | 29.06% | 20.66% | 11.02% | 54.45% | 1.36% | 0.45 | 0.98 | 0.31 | 0.31 | 2.69 | 509.00% | 130.00% | -6976.00% | 3.64% | 0.01 | 20.52% | 1.28% | 14.00% | 2.95% | 2.85 | 10.08 | 0.83 | -0.09 |
| CNOB | ConnectOne Bancorp, Inc. | $26.53 | 1.33B | +66% | -60% | -11% | +26% | 16.81 | 0.86 | 2.23 | 10.46 | — | 1.05 | 44.17% | 18.59% | 13.26% | 5.72% | 5.25% | 0.67% | 0.74 | 0.39 | 391.51 | 391.51 | 9.56 | -1591.00% | 1344.00% | 7750.00% | 7.47% | 3.28 | 6.59% | 2.81% | 47.20% | 2.81% | 10.46 | 11.68 | 1.94 | 1.29 |
| FSUN | FirstSun Capital Bancorp | $36.47 | 1.02B | +20% | +24% | +33% | +44% | 14.20 | 1.03 | 1.99 | 5.40 | — | 1.25 | 64.79% | 17.61% | 14.00% | 7.88% | 16.21% | 0.95% | 0.11 | 0.58 | 0.10 | 0.10 | -4.76 | -3407.00% | 1131.00% | -2084.00% | 8.91% | 0.02 | 20.52% | 0.00% | 0.00% | 50.05% | 5.98 | 5.94 | 1.05 | -0.61 |
| PEBO | Peoples Bancorp Inc. | $32.27 | 1.15B | +79% | -4% | +22% | -19% | 10.74 | 0.95 | 1.85 | 12.55 | — | 1.41 | 67.46% | 21.80% | 17.27% | 9.21% | 10.71% | 1.13% | 0.61 | 0.85 | 0.84 | 0.84 | 4.05 | -967.00% | 40.00% | -120.00% | 11.75% | 0.02 | 13.51% | 0.00% | 0.00% | 0.00% | 12.55 | 12.56 | 2.74 | 0.10 |
| PFBC | Preferred Bank | $87.72 | 1.07B | +27% | +45% | +32% | -50% | 8.42 | 1.43 | 2.26 | 3.79 | 106.97 | 1.43 | 54.97% | 37.98% | 26.78% | 17.21% | 49.09% | 1.84% | 0.53 | 0.88 | 0.29 | 0.29 | -2.52 | 788.00% | -411.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.79 | — | 1.44 | 0.07 |
| QCRH | QCR Holdings, Inc. | $86.50 | 1.46B | +21% | +3% | +11% | -15% | 11.59 | 1.33 | 2.47 | 14.83 | 96.03 | 1.53 | 57.72% | 22.77% | 21.31% | 12.06% | 9.41% | 1.37% | 0.56 | 0.58 | 28.87 | 28.87 | 3.98 | 1207.00% | 153.00% | -8608.00% | 3.78% | 21.02 | 4.12% | 0.00% | 0.00% | 0.00% | 14.83 | 36.19 | 3.38 | 0.22 |
| STBA | S&T Bancorp, Inc. | $41.81 | 1.6B | -9% | -13% | -40% | -28% | 12.34 | 1.13 | 2.91 | 11.44 | 466.07 | 1.52 | 69.43% | 29.54% | 23.61% | 9.44% | 12.62% | 1.37% | 0.18 | 1.01 | 0.03 | 0.00 | 1.58 | 265.00% | 63.00% | -2437.00% | 7.78% | 0.03 | 12.11% | 3.19% | 39.40% | 5.38% | 11.44 | 14.91 | 3.38 | -0.39 |
| WABC | Westamerica Bancorporatio… | $50.65 | 1.26B | -31% | +46% | -45% | — | 10.93 | 1.36 | 4.67 | -16.15 | — | 1.56 | 95.16% | 57.64% | 42.74% | 12.74% | -5.99% | 1.93% | 0.15 | 11.43 | 0.95 | 0.95 | -2.64 | -1288.00% | -1264.00% | -1282.00% | 9.60% | 0.02 | -6.29% | 3.70% | 40.40% | 3.70% | -16.78 | -21.57 | -9.67 | 0.38 |
| WAFD | WaFd, Inc. | $31.16 | 2.38B | +7% | +11% | -9% | -40% | 11.31 | 0.84 | 1.81 | 3.68 | 217.42 | 0.98 | 50.90% | 20.54% | 16.03% | 7.49% | 15.33% | 0.83% | 0.60 | 0.42 | 0.15 | 0.15 | 3.87 | 520.00% | -158.00% | -4977.00% | 8.15% | 0.01 | 14.12% | 3.88% | 43.90% | 7.87% | 3.80 | 5.29 | 0.78 | -0.62 |
About Republic Bancorp, Inc.
Republic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit. Its loan products include residential real estate, commercial real estate, construction and land development, home improvement and home equity, secured and unsecured personal, and aircraft loans. The company also offers credit cards; title insurance and other financial products and services; and memory banking, private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it provides short-term and revolving credit facilities to mortgage bankers; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; and general purpose reloadable prepaid cards through third party service providers. Further, the company offers consumer credit products; and property and casualty insurance products. As of January 28, 2022, it operated 42 full-service banking centers. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.
- CEO
- Steven E. Trager
- Employees
- 981
- Beta
- 0.59
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($76.32 ÷ $76.28) − 1 = +0.05% (DCF, example).