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23.36 (1y: +13%)
Market Cap 486.19 M P/E(ttm) 9.50
Enterprise Value 1.1 B P/B 0.90
RBCAA- NAS (USA)
Republic Bancorp, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$23.36
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry		 vs
history
Cash to Debt 0.236
RBCAA's Cash to Debt is ranked lower than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. RBCAA: 0.236 )
RBCAA' s 10-Year Cash to Debt Range
Min: 0.09   Max: 1.57
Current: 0.24
0.09
1.57
Equity to Asset 0.155
RBCAA's Equity to Asset is ranked higher than
91% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RBCAA: 0.155 )
RBCAA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.16
Current: 0.16
0.07
0.16
Interest Coverage No Debt
RBCAA's Interest Coverage is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. RBCAA: No Debt )
RBCAA' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 2
Z-Score: 0.51
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry		 vs
history
Operating margin (%) 56.50
RBCAA's Operating margin (%) is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. RBCAA: 56.50 )
RBCAA' s 10-Year Operating margin (%) Range
Min: 28.9   Max: 56.5
Current: 56.5
28.9
56.5
Net-margin (%) 36.6
RBCAA's Net-margin (%) is ranked higher than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. RBCAA: 36.6 )
RBCAA' s 10-Year Net-margin (%) Range
Min: 18.8   Max: 36.6
Current: 36.6
18.8
36.6
ROE (%) 22.2
RBCAA's ROE (%) is ranked higher than
88% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. RBCAA: 22.2 )
RBCAA' s 10-Year ROE (%) Range
Min: 10   Max: 22.2
Current: 22.2
10
22.2
ROA (%) 3.5
RBCAA's ROA (%) is ranked higher than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RBCAA: 3.5 )
RBCAA' s 10-Year ROA (%) Range
Min: 0.8   Max: 3.5
Current: 3.5
0.8
3.5
Revenue Growth (%) 9.9
RBCAA's Revenue Growth (%) is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. RBCAA: 9.9 )
RBCAA' s 10-Year Revenue Growth (%) Range
Min: 1.3   Max: 16.8
Current: 9.9
1.3
16.8
EBITDA Growth (%) 25.9
RBCAA's EBITDA Growth (%) is ranked higher than
93% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. RBCAA: 25.9 )
RBCAA' s 10-Year EBITDA Growth (%) Range
Min: -7.3   Max: 28
Current: 25.9
-7.3
28
EPS Growth (%) 29.6
RBCAA's EPS Growth (%) is ranked higher than
94% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. RBCAA: 29.6 )
RBCAA' s 10-Year EPS Growth (%) Range
Min: -5.5   Max: 29.6
Current: 29.6
-5.5
29.6
ยป RBCAA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2012

RBCAA Guru Trades in Q2 2012

Murray Stahl Sold Out
Jim Simons 53,700 sh (-15.03%)
» More
Q3 2012

RBCAA Guru Trades in Q3 2012

Jim Simons 36,200 sh (-32.59%)
» More
Q4 2012

RBCAA Guru Trades in Q4 2012

Jim Simons 40,185 sh (+11.01%)
» More
Q1 2013

RBCAA Guru Trades in Q1 2013

Jim Simons 29,108 sh (-27.57%)
» More
» Details

Insider Trades

Latest Guru Trades with RBCAA



No Insider Trades Found!

Top Ranked Articles about Republic Bancorp, Inc.

Top 5 Highly Predictable Companies with Historically Low P/B Ratios
November 26, 2012
- Top 5 Highly Predictable Companies With Historically Low P/B Ratios
Below are five companies that GuruFocus ranks 5 stars in Business Predictability, maintaining consistency in revenue and earnings growth in the past decade, and are trading at or close to their historical low P/B ratios, according to GuruFocus Historical Low P/B Company Screener. [b] Read more...

Ratios

vs
industry		 vs
history
P/E(ttm) 9.50
RBCAA's P/E(ttm) is ranked higher than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. RBCAA: 9.50 )
RBCAA' s 10-Year P/E(ttm) Range
Min: 3.53   Max: 20.32
Current: 9.5
3.53
20.32
P/B 0.90
RBCAA's P/B is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. RBCAA: 0.90 )
RBCAA' s 10-Year P/B Range
Min: 0.75   Max: 2.81
Current: 0.9
0.75
2.81
P/S 2.49
RBCAA's P/S is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. RBCAA: 2.49 )
RBCAA' s 10-Year P/S Range
Min: 1.25   Max: 4.73
Current: 2.49
1.25
4.73
PFCF 5.70
RBCAA's PFCF is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. RBCAA: 5.70 )
RBCAA' s 10-Year PFCF Range
Min: 2.49   Max: 27.17
Current: 5.7
2.49
27.17
EV-to-EBIT 14.7
RBCAA's EV-to-EBIT is ranked higher than
94% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. RBCAA: 14.7 )
RBCAA' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 32.6
Current: 14.7
0.2
32.6
PEG 0.3
RBCAA's PEG is ranked higher than
100% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. RBCAA: 0.3 )
RBCAA' s 10-Year PEG Range
Min: 0.1   Max: 12.78
Current: 0.3
0.1
12.78
Shiller P/E 7.2
RBCAA's Shiller P/E is ranked higher than
94% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. RBCAA: 7.2 )
RBCAA' s 10-Year Shiller P/E Range
Min: 6.21   Max: 25.03
Current: 7.2
6.21
25.03

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.83
RBCAA's Dividend Yield is ranked higher than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. RBCAA: 2.83 )
RBCAA' s 10-Year Dividend Yield Range
Min: 0.95   Max: 3.5
Current: 2.83
0.95
3.5
Dividend Payout 0.2759
RBCAA's Dividend Payout is ranked higher than
90% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. RBCAA: 0.2759 )
RBCAA' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.35
Current: 0.28
0.11
0.35
Dividend growth (3y) 5.8
RBCAA's Dividend growth (3y) is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. RBCAA: 5.8 )
RBCAA' s 10-Year Dividend growth (3y) Range
Min: 5.8   Max: 15.5
Current: 5.8
5.8
15.5
Yield on cost (5-Year) 4.15
RBCAA's Yield on cost (5-Year) is ranked higher than
92% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. RBCAA: 4.15 )
RBCAA' s 10-Year Yield on cost (5-Year) Range
Min: 1.41   Max: 5.19
Current: 4.15
1.41
5.19
Share Buyback Rate -0.2
RBCAA's Share Buyback Rate is ranked higher than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. RBCAA: -0.2 )
RBCAA' s 10-Year Share Buyback Rate Range
Min: 2   Max: -2.2
Current: -0.2

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
RBCAA's Price/Tangible Book is ranked higher than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. RBCAA: 0.9 )
RBCAA' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 2.5
Current: 0.9
0.8
2.5
Price/DCF (Projected) 0.3
RBCAA's Price/DCF (Projected) is ranked higher than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. RBCAA: 0.3 )
RBCAA' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.9
Current: 0.3
0.3
0.9
Price/Median PS Value 1
RBCAA's Price/Median PS Value is ranked lower than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RBCAA: 1 )
RBCAA' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.8
Current: 1
0.6
1.8
Price/Peter Lynch Fair Value 0.4
RBCAA's Price/Peter Lynch Fair Value is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. RBCAA: 0.4 )
RBCAA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.1   Max: 2.4
Current: 0.4
0.1
2.4
Price/Graham Number 0.4
RBCAA's Price/Graham Number is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RBCAA: 0.4 )
RBCAA' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.3
Current: 0.4
0.4
1.3
Earnings Yield (Greenblatt) 6.80
RBCAA's Earnings Yield (Greenblatt) is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. RBCAA: 6.80 )
RBCAA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.1   Max: 622.2
Current: 6.8
3.1
622.2
Forward Rate of Return (Yacktman) 43.99
RBCAA's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. RBCAA: 43.99 )
RBCAA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.1   Max: 55.2
Current: 43.99
5.1
55.2

Business Description

Republic Bancorp, Inc. is a bank holding company. It is the parent company of Republic Bank & Trust Company or RB&T and Republic Bank collectively referred together with RB&T as the Bank, Republic Funding Company and Republic Invest Co. Republic Invest Co. includes its subsidiary, Republic Capital LLC. The main business of Republic is directing, planning and coordinating the business activities of the Bank. The company is divided into three distinct business operating segments: Traditional Banking, Tax Refund Solutions and Mortgage Banking. As of December 31, 2011, Republic had 42 full-service banking centers with 34 located in Kentucky, four located in metropolitan Tampa, Florida, three located in southern Indiana and one located in metropolitan Cincinnati, Ohio. Effective January 27, 2012, RB&T assumed substantially all of the deposits and certain other liabilities and acquired certain assets of Tennessee Commerce Bank ("TCB"), headquartered in Franklin, Tennessee from the FDIC, as receiver for TCB. This acquisition represents a single banking center located in the Nashville MSA and represents RB&T's initial entrance into the Tennessee market. Mortgage Banking activities primarily include 15, 20 and 30-year fixed-term single family first lien residential rate real estate loans that are sold into the secondary market, primarily to FHLMC. The Bank typically retains servicing on loans sold into the secondary market. The company through its Tax Refund Solutions segment facilitates the payment of federal and state tax refund products through third-party tax preparers located throughout the U.S., as well as tax-preparation software providers. TRS's three primary tax-related products include: ERCs, ERDs and RALs. Substantially all of the business generated by TRS occurs in the first quarter of the year. During the years ended December 31, 2011, 2010 and 2009, net income from the TRS segment accounted for approximately 72%, 68% and 47% of the Company's total net income. The company is a Kentucky-chartered commercial banking and trust corporation and as such, it is subject to supervision and regulation by the Federal Deposit Insurance Corporation and the Kentucky Department of Financial Institutions.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for RBCAA

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