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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2364
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$1.4B
Steven E. Trager
Republic Bancorp, Inc. 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. As of January 28, 2022, it operated 42 full-service banking centers.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = RBCAA ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$RBCAA REPUBLIC BANCORP INC /KY/ | 48 | 30 | 44 | 50 | 10.4x | 8.0x | 12.4% | 1.9% | 0.0% | 42.5% | 32.6% | 7.7% | 2.5% | 547.0x | $1.4B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
REPUBLIC BANCORP INC /KY/ (RBCAA) receives a "Reduce" rating with a composite score of 47.7/100. It ranks #2364 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for RBCAA.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 30 | 0NEUTRAL |
| MOMENTUM | 50 | 52 | -2NEUTRAL |
| VALUATION | 44 | 52 | -8DRAG |
| INVESTMENT | 43 | 82 | -39DRAG |
| STABILITY | 66 | 73 | -7DRAG |
| SHORT INT | 66 | 81 | -15DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 12.4% (sector 9.0%)
GM 0% vs sector 78%, OM 43% vs sector 18%
Capital turnover N/A
Rev growth 8%, 10yr history
Interest coverage 1.4x, Net debt/EBITDA -0.9x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate REPUBLIC BANCORP INC /KY/ (RBCAA) as a Reduce with a composite score of 47.7/100 at a current price of $69.19. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
REPUBLIC BANCORP INC /KY/ holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 47.7/100 places it at rank #2364 in our full universe.
No Moat
High
Standard
Fair Value
Stable competitive position in a defensive sector.
Leverage of 547% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
REPUBLIC BANCORP INC /KY/ represents a reduce based on multi-factor quantitative performance.
REPUBLIC BANCORP INC /KY/ receives a Reduce rating from our analysis, with a composite score of 47.7/100 and 2 out of 5 stars, ranking #2364 out of 7,333 stocks. RBCAA's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
RBCAA's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 12.4% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 32.6% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 44/100, RBCAA appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 10.40x, an EV/EBITDA of 7.98x, a P/B ratio of 1.30x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 43/100, RBCAA exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 7.7% vs. a sector average of 10.7% and a return on assets of 1.9% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
RBCAA demonstrates moderate momentum with a score of 50/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 7.7% year-over-year, while a beta of 0.56 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
RBCAA shows good financial stability with a score of 66/100. Key stability metrics include a beta of 0.56 and a debt-to-equity ratio of 547.00x (sector avg: 0.5x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.
RBCAA carries a short interest score of 66/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 547.00x), small-cap liquidity risk. At $1.4B market cap (small-cap), REPUBLIC BANCORP INC /KY/ offers reasonable institutional liquidity.
RBCAA pays a solid dividend yield of 2.5%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
REPUBLIC BANCORP INC /KY/ is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2364 of 7,333 overall (68th percentile). Key comparisons include ROE of 12.4% exceeding the 9.0% sector median and operating margins of 42.5% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While RBCAA currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (30) would have the largest impact on the composite score.
EV/EBITDA IN LINE WITH SECTOR BENCHMARKS
ROE 38% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
As February begins, the U.S. stock market has shown a robust performance, with major indices like the Dow Jones Industrial Average and S&P 500 experiencing significant gains. Amid this positive market sentiment, investors are increasingly on the lookout for undiscovered gems within the small-cap sector that may offer solid potential for growth. Identifying promising stocks often involves assessing their fundamentals and how they align with current economic trends such as trade agreements or...
The traditional ways to plan for your retirement may mean income can no longer cover expenses post-employment. But what if there was another option that could provide a steady, reliable source of income in your nest egg years?
Republic Bancorp (RBCAA) possesses solid growth attributes, which could help it handily outperform the market.
The traditional ways to plan for your retirement may mean income can no longer cover expenses post-employment. But what if there was another option that could provide a steady, reliable source of income in your nest egg years?
Republic Bancorp (RBCAA) could produce exceptional returns because of its solid growth attributes.