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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 73% of 52W Range • RSI-14 at 41.6 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)
Even with a 72/100 (B) 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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($93.47) or 200D SMA ($83.34) invalidates the momentum regime and cuts Target Base ($97.49) toward Bear Floor ($75.20).
Republic Bancorp Inc. (Class A) (RBCAA) advanced +0.30% to $91.71, trading at 73% of its 52-week range ($63.97 – $102.22). High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.
Republic Bancorp has delivered a 33% gain over the past year, driven by improved balance sheet mix and low-cost deposit growth. Learn more about RBCAA stock here.
Republic Bancorp just posted its Q3 2026 scorecard, and the share price barely flinched. The stock eased 0.7% today, even as the bank printed US$1.57 in basic earnings per share and held its net interest margin at 5.08%.
Stability is great, but low-volatility stocks may struggle to deliver market-beating returns over time as they sometimes underperform during bull markets.
Republic Bancorp (RBCAA) delivered earnings and revenue surprises of -4.22% and +4.35%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
(RBCAA) on Friday reported net income of $31.The Louisville, Kentucky-based bank said it had earnings of $1.
LOUISVILLE, Ky., October 23, 2026--Republic Bancorp, Inc. ("Republic" or the "Company") reported third quarter 2026 net income and Diluted Earnings per Class A Common Share ("Diluted EPS") of $31.1 million and $1.59, rep
Republic Bancorp (NASDAQ:RBCAA) reported quarterly earnings of $1.59 per share which missed the analyst consensus estimate of $1.66 by 4.22 percent. This is a 4.61 percent increase over earnings of $1.52 per share from
Amerant Bancorp (AMTB) delivered earnings and revenue surprises of +14.04% and +5.38%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +8.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on RBCAA today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for RBCAA. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why RBCAA Stock advanced +0.30% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Paper Trading Arena account.