Republic Bancorp

RBCAA

Banks - Regional · Financial Services

Price

$90.91

-1.41 (-1.53%)

Market Cap

$1.59B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−3.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 20.6M (2021) → 19.8M (2025)

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 devel

Winston Score History

Score breakdown

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Quality

Gross Margin

76.2%

Premium pricing power — 76.2% gross margin

Operating Margin

39.8%

Excellent — 39.8% operating margin

ROCE

3.5%

Weak — 3.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-2.8%

Shrinking sales (-2.8% YoY)

EPS YoY

+6.4%

Modest earnings growth (6.4% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

117%

Turns 117% of profit into real cash

FCF Margin

27.7%

Converts sales into free cash efficiently (27.7%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.40

Conservative — low debt load (0.40)

Interest Cover

1.61x

Dangerous — barely covers interest (1.6x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

14.1x

Attractive valuation — P/E 14.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.6

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

2.07%

Moderate income — 2.07% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+10.3%

Dividend growing fast (10.3% YoY)

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