Republic Bancorp Financials

RBCAA Stock  USD 76.28  1.08  1.40%   
Based on the analysis of Republic Bancorp's profitability, liquidity, and operating efficiency, Republic Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Republic Bancorp's Short and Long Term Debt Total is projected to decrease significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 958.4 M, whereas Total Assets are forecasted to decline to about 3.6 B. Key indicators impacting Republic Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.330.2907
Moderately Up
Slightly volatile
Return On Assets0.00980.0137
Way Down
Pretty Stable
Return On Equity0.130.099
Significantly Up
Pretty Stable
Debt Equity Ratio0.420.4433
Notably Down
Slightly volatile
Operating Income106.1 M115.4 M
Significantly Down
Very volatile
Current Ratio1.461.5409
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for Republic Bancorp includes many different criteria found on its balance sheet. An individual investor should monitor Republic Bancorp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Republic Bancorp.

Net Income

46.73 Million

  
Understanding current and past Republic Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Republic Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Republic Bancorp's assets may result in an increase in income on the income statement.
Please note, the presentation of Republic Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Republic Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Republic Bancorp's management manipulating its earnings.

Republic Bancorp Stock Summary

Republic Bancorp competes with First Community, Community West, First Financial, First Northwest, and Home Federal. Republic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky. Republic Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1009 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS7602812049
CUSIP760281204 760281105
LocationKentucky; U.S.A
Business Address601 West Market
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.republicbank.com
Phone502 584 3600
CurrencyUSD - US Dollar

Republic Bancorp Key Financial Ratios

Republic Bancorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets5.6B6.2B6.1B5.8B6.6B3.6B
Other Current Liab4.8B(6.1M)2.0B(75.3M)83.7M79.5M
Net Debt442.5M(165.0M)(692.3M)(180.9M)196.6M191.0M
Other Assets4.1B4.5B4.2B4.8B(1.6B)(1.5B)
Total Liab827.8M320.6M64.7M5.0B5.7B6.0B
Short Term Debt236.9M255.4M330.6M303.0M134.6M262.5M
Retained Earnings614.2M666.3M687.7M742.3M786.5M825.8M
Cash385.3M485.6M757.0M313.7M316.6M285.4M
Net Receivables14.0M10.0M8.5M10.4M87.5M91.9M
Total Current Assets870.7M1.0B1.3B934.9M336.4M319.6M
Common Stock4.9M4.9M4.7M4.6M4.6M5.0M
Accounts Payable3.8B4.7B4.8B4.5B5.2B5.5B
Other Liab71.6M80.2M63.3M82.9M95.3M100.1M
Inventory(399.2M)(501.0M)(768.6M)1.6M229.0M240.5M
Other Current Assets399.2M501.0M768.6M328.8M317.9M302.0M
Net Tangible Assets748.2M807.0M817.9M840.3M966.4M706.5M
Capital Surpluse142.1M143.6M140.0M141.7M162.9M151.7M

Republic Bancorp Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense44.8M19.9M5.7M7.5M67.3M70.6M
Total Revenue298.4M315.1M302.5M308.7M310.9M176.7M
Gross Profit298.4M315.1M302.5M308.7M310.9M176.7M
Operating Income113.2M102.6M110.3M119.3M115.4M106.1M
Ebit124.1M102.6M111.4M116.8M113.2M107.4M
Ebitda124.2M112.4M120.4M124.4M128.2M112.9M
Income Before Tax113.2M102.6M110.3M116.8M113.2M66.6M
Net Income91.7M83.2M87.6M91.1M90.4M46.7M
Income Tax Expense21.5M19.4M23.6M25.7M22.8M19.9M
Tax Provision21.5M19.4M23.6M25.7M24.0M25.0M
Net Interest Income236.1M232.3M220.6M236.7M285.1M234.1M
Interest Income280.9M252.3M226.3M244.2M331.8M259.9M

Republic Bancorp Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash33.8M100.3M271.4M(443.3M)2.9M2.7M
Free Cash Flow84.4M64.9M93.6M151.3M101.6M56.6M
Depreciation11.1M13.5M12.4M9.9M15.0M8.1M
Other Non Cash Items(1.5M)3.3M13.3M54.4M30.7M35.6M
Dividends Paid21.4M23.2M24.7M26.1M28.4M29.8M
Capital Expenditures12.9M3.6M5.8M3.5M6.9M7.3M
Net Income91.7M83.2M86.8M91.1M90.4M50.9M
End Period Cash Flow385.3M485.6M757.0M313.7M316.6M292.3M
Investments(174.7M)(167.3M)242.3M(689.1M)(685.7M)(651.5M)
Change Receivables1.0M(14K)3.0M(3.7M)(3.3M)(3.2M)
Net Borrowings(75.4M)(471.6M)(170.1M)(4.0M)(3.6M)(3.8M)
Change To Netincome2.9M(807K)20.6M37.8M43.5M25.2M

Republic Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Republic Bancorp's current stock value. Our valuation model uses many indicators to compare Republic Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Republic Bancorp competition to find correlations between indicators driving Republic Bancorp's intrinsic value. More Info.
Republic Bancorp is rated below average in return on equity category among its peers. It is rated third in return on asset category among its peers reporting about  0.14  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Republic Bancorp is roughly  6.98 . At present, Republic Bancorp's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Republic Bancorp's earnings, one of the primary drivers of an investment's value.

Republic Bancorp Systematic Risk

Republic Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Republic Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Republic Bancorp correlated with the market. If Beta is less than 0 Republic Bancorp generally moves in the opposite direction as compared to the market. If Republic Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Republic Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Republic Bancorp is generally in the same direction as the market. If Beta > 1 Republic Bancorp moves generally in the same direction as, but more than the movement of the benchmark.

Republic Bancorp Thematic Clasifications

Republic Bancorp is part of several thematic ideas from Corona Opportunity to Millennials Best. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Republic Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Republic Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Republic Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

28.82

At present, Republic Bancorp's Price Earnings To Growth Ratio is projected to increase significantly based on the last few years of reporting.

Republic Bancorp December 1, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Republic Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Republic Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Republic Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Republic Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Republic Bancorp's daily price indicators and compare them against related drivers.

Complementary Tools for Republic Stock analysis

When running Republic Bancorp's price analysis, check to measure Republic Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Republic Bancorp is operating at the current time. Most of Republic Bancorp's value examination focuses on studying past and present price action to predict the probability of Republic Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Republic Bancorp's price. Additionally, you may evaluate how the addition of Republic Bancorp to your portfolios can decrease your overall portfolio volatility.
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