Stock Ratings / Financials / RBCAA / dividends

STBA (67) FSUN (63) CNOB (67) BY (67) ⌘ Pro Terminal →

Republic Bancorp Inc. (Class A) (RBCAA) Dividend Safety Gauge & 10-Year DRIP Compounder

$90.30 -1.54% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $89.88

Republic Bancorp Inc. (Class A) (RBCAA) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.80B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RBCAA Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RBCAA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Republic Bancorp Inc. (Class A) (NASDAQ: RBCAA) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $90.30 (-1.54% 1D, market cap $1.80B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, RBCAA ranks #216 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RBCAA compare to STBA and FSUN in the Financials sector?

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Within the Financials sector (Major Banks), RBCAA carries a Roarable C+ (67/100 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 (67/100 RQD, P/E 13.4x, ROIC 9.2%, cap $1.80B) and FSUN (FirstSun Capital Bancorp) posts a C grade (63/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RBCAA?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $89.88 (-0.47%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 38.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

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+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RBCAA)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY RBCAA SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)

FRED Regime × Technicals: 69% of 52W Range • RSI-14 at 48 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$92.13-1.6% Next Q

Q2 (-2Q)

Grade B$90.68+2.2% Next Q

Q3 (-1Q)

Grade B$92.64-2.5% Next Q

Current

Grade C+$90.30+1.6% Hist 90D α

Trajectory: B+ (75) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RBCAA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, RBCAA faces multiple-compression risk if 13.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($93.42) or 200D SMA ($83.43) invalidates the momentum regime and cuts Target Base ($93.96) toward Bear Floor ($73.29).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RBCAA• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RBCAA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.68% Total Yield

1.88% Cash ($1.70/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

14% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $22,402

Est. Year-10 Shareholder Yield: $824/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.8K

Yr 2

$12.7K

Yr 3

$13.8K

Yr 4

$15.0K

Yr 5

$16.2K

Yr 6

$17.6K

Yr 7

$19.1K

Yr 8

$20.7K

Yr 9

$22.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in RBCAA & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on RBCAA and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

RBCAA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.11%▼ DESCENDING CHANNEL

2026-11-02O $91.44H $91.71L $90.30C $90.30VOL 103.7K

RES: $94.68SUP: $87.70SMA50: $93.42SMA200: $83.43

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 #216 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 #216 by composite RQD confidence (67/100, grade C+) 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 67/100 (C+).

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)	C+	67/100	13.7x	—	11.9%	-1.54%	$1.80B	Benchmark Subject
STBA S&T Bancorp Inc.	C+	67/100	13.4x	—	9.2%	-1.06%	$1.80B	/stba-vs-rbcaa →
FSUN FirstSun Capital Bancorp	C	63/100	18.3x	—	8.5%	-0.46%	$1.79B	/fsun-vs-rbcaa →
CNOB ConnectOne Bancorp Inc.	C+	67/100	22.0x	—	5.1%	-1.53%	$1.77B	/cnob-vs-rbcaa →
BY Byline Bancorp Inc.	C+	67/100	13.5x	—	10.3%	-1.18%	$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?

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

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

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

RBCAA last traded at $90.30 (-1.54% on volume of 110,878 shares), positioning the stock -3.34% below its 50-day simple moving average ($93.42) and +8.23% above its 200-day simple moving average ($83.43). Across its 52-week range of $63.97 to $102.22, RBCAA sits at the 68.8% percentile with a 14-day RSI of 48.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.8% ($85.97 to $94.63).

RBCAA Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does RBCAA pay a dividend and is it safe?

Republic Bancorp Inc. (Class A) (RBCAA) offers a 1.88% cash dividend yield ($1.70 annualized) and 3.68% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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