RBCAA Stock - Republic Bancorp, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $499.79M | $421.56M | $316.22M | $310.02M | $335.01M |
| Gross Profit | $324.58M | $306.65M | $286.38M | $289.55M | $283.79M |
| Gross Margin | 64.9% | 72.7% | 90.6% | 93.4% | 84.7% |
| Operating Income | $127.70M | $113.21M | $116.84M | $111.44M | $102.63M |
| Net Income | $101.37M | $90.37M | $91.11M | $87.61M | $83.25M |
| Net Margin | 20.3% | 21.4% | 28.8% | 28.3% | 24.8% |
| EPS | $5.21 | $4.61 | $4.59 | $4.25 | $3.99 |
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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| June 27th 2025 | Raymond James | Initiation | Market Perform | - |
| April 25th 2025 | Hovde Group | Reiterated | Market Perform | $69← $64 |
| January 27th 2025 | Hovde Group | Reiterated | Market Perform | $70← $72 |
| November 13th 2024 | Hovde Group | Downgrade | Market Perform | $80← $78 |
| October 18th 2024 | Hovde Group | Reiterated | Outperform | $78← $68 |
| March 4th 2024 | Hovde Group | Resumed | Outperform | - |
| July 25th 2022 | Piper Sandler | Downgrade | Neutral | - |
Earnings History & Surprises
RBCAAEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 23, 2026 | $1.30 | — | — | — |
Q4 2025 | Oct 17, 2025 | $1.38 | $1.52 | +10.1% | ✓ BEAT |
Q3 2025 | Jul 18, 2025 | $1.42 | $1.61 | +13.4% | ✓ BEAT |
Q2 2025 | Apr 24, 2025 | $1.86 | $2.42 | +30.1% | ✓ BEAT |
Q1 2025 | Jan 24, 2025 | $1.20 | $0.98 | -18.3% | ✗ MISS |
Q4 2024 | Oct 18, 2024 | $1.21 | $1.37 | +13.2% | ✓ BEAT |
Q3 2024 | Jul 19, 2024 | $1.33 | $1.30 | -2.3% | ✗ MISS |
Q2 2024 | Apr 25, 2024 | $1.63 | $1.58 | -3.1% | ✗ MISS |
Q1 2024 | Mar 14, 2024 | — | $1.00 | — | — |
Q4 2023 | Oct 20, 2023 | $0.98 | $1.10 | +12.2% | ✓ BEAT |
Q3 2023 | Jul 21, 2023 | $1.15 | $1.07 | -7.0% | ✗ MISS |
Q2 2023 | Apr 20, 2023 | $1.76 | $1.42 | -19.3% | ✗ MISS |
Q1 2023 | Jan 27, 2023 | $0.94 | $0.94 | 0.0% | = MET |
Q4 2022 | Oct 21, 2022 | $0.74 | $0.99 | +33.8% | ✓ BEAT |
Q3 2022 | Jul 22, 2022 | $0.92 | $1.20 | +30.4% | ✓ BEAT |
Q2 2022 | Apr 21, 2022 | $1.22 | $1.40 | +14.8% | ✓ BEAT |
Q1 2022 | Jan 28, 2022 | $0.80 | $0.84 | +5.0% | ✓ BEAT |
Q4 2021 | Oct 22, 2021 | $0.90 | $0.99 | +10.0% | ✓ BEAT |
Q3 2021 | Jul 23, 2021 | $1.11 | $0.08 | -92.8% | ✗ MISS |
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