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Republic Bancorp Inc. (Class A) (RBCAA) — RQD Stock Rating Cockpit

$91.71 +0.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Republic Bancorp Inc. (Class A) (RBCAA) earns a Roarable Rating of B (Buy) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $1.80B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+6.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RBCAA)Realized 20D OHLCV Swing Band: ±4.9%

RSI-14 MOMENTUMNEUTRAL RANGE

41.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE73% OF RANGE

L: $64$91.71H: $102

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 31 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on RBCAA

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

11.9% ROIC with 42.0% gross margin and 8.95% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (77)

28/40 institutional & smart-money positioning score with 18/20 macro alignment.

Bull Case: Why Buyers Like RBCAA

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (RBCAA Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
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RBCAA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.10%▼ DESCENDING CHANNEL

2026-10-30O $91.85H $92.36L $89.99C $91.71VOL 110.9K

RES: $94.80SUP: $87.81SMA50: $93.47SMA200: $83.34

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RBCAA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RBCAA Butterfly Map → + Track RBCAA →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.3%/yr Implied 5Y Growth

vs. +8.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RBCAA today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RBCAA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RBCAA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RBCAA)

Financials Rank #94 of 1096 ⚔️ STBA vs RBCAA Full Matrix →

1. Head-to-Head Financials Peer Comparison (RBCAA vs. STBA, FSUN, CNOB, BY)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Republic Bancorp Inc. (Class A) (RBCAA) ranks #94 by composite RQD confidence (72/100, grade B) and #447 by equity capitalization ($1.80B). Within this direct 5-issuer industry benchmark cohort, STBA leads on earnings valuation at 13.4x trailing P/E, while RBCAA leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. RBCAA currently leads its immediate peer cohort in composite quantitative strength at 72/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RBCAA ACTIVE Republic Bancorp Inc. (Class A)	B	72/100	13.7x	—	11.9%	+0.30%	$1.80B	Benchmark Subject
STBA S&T Bancorp Inc.	C	63/100	13.4x	—	9.2%	+1.21%	$1.80B	/stba-vs-rbcaa →
FSUN FirstSun Capital Bancorp	C-	60/100	18.3x	—	8.5%	+0.69%	$1.79B	/fsun-vs-rbcaa →
CNOB ConnectOne Bancorp Inc.	C-	61/100	22.0x	—	5.1%	+0.12%	$1.77B	/cnob-vs-rbcaa →
BY Byline Bancorp Inc.	C-	61/100	13.5x	—	10.3%	+0.75%	$1.76B	/by-vs-rbcaa →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000921557

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Republic Bancorp Inc. (Class A) (RBCAA) reported GAAP revenue of $417.5M (+8.5% vs. FY2024 revenue of $384.8M , and +15.9% cumulative change since FY2023) , GAAP net income of $131.3M, operating cash flow of $168.2M, and free cash flow of $161.1M (+12.5% YoY). On the balance sheet, RBCAA closed FY2025 with $7.04B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$417.5M	$131.3M	$168.2M	$161.1M	$7.04B	—
FY2024 (FY)	2024-12-31	$384.8M	$101.4M	$149.0M	$143.2M	$6.85B	—
FY2023 (FY)	2023-12-31	$360.2M	$90.4M	$108.5M	$108.5M	—	—

3. RBCAA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RBCAA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Republic Bancorp Inc. (Class A) (NASDAQ: RBCAA) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $91.71 (+0.30% 1D, market cap $1.80B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, RBCAA ranks #94 in composite RQD confidence.

How does RBCAA compare to STBA and FSUN in the Financials sector?

Within the Financials sector (Major Banks), RBCAA carries a Roarable B (72/100 RQD), trailing P/E of 13.7x, gross margin of —, and ROIC of 11.9%. By comparison, STBA (S&T Bancorp Inc.) holds a C grade (63/100 RQD, P/E 13.4x, ROIC 9.2%, cap $1.80B) and FSUN (FirstSun Capital Bancorp) posts a C- grade (60/100 RQD, P/E 18.3x, ROIC 8.5%, cap $1.79B). Among the 5-stock peer group, STBA leads on earnings multiple (13.4x) while RBCAA leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RBCAA?

Per RBCAA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000921557), Republic Bancorp Inc. (Class A) generated $417.5M in revenue (+8.5% YoY), $131.3M in net income, and $161.1M in free cash flow against $7.04B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RBCAA trading relative to its 50-day, 200-day, and 52-week technical levels?

RBCAA last traded at $91.71 (+0.30% on volume of 103,719 shares), positioning the stock -1.88% below its 50-day simple moving average ($93.47) and +10.04% above its 200-day simple moving average ($83.34). Across its 52-week range of $63.97 to $102.22, RBCAA sits at the 72.5% percentile with a 14-day RSI of 41.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($87.22 to $96.20).

RBCAA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell RBCAA stock right now?

Republic Bancorp Inc. (Class A) (RBCAA) currently earns a Roarable Rating of B (Buy — BUY) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.

What is RBCAA's 12-month price target and RQD AI Jury consensus?

RBCAA's 12-month base price target is $97.49 (range $75.2 to $115.04), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: RBCAA RQD Cockpit RBCAA 12M Forecast RBCAA Earnings & Move RBCAA Dividends & DRIP RBCAA Insiders & 13F RBCAA Whale Options RBCAA Profit Sankey RBCAA News & Why