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GuruFocus Financial Strength Rank measures how strong a company’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 : 6/10

vs
industry
vs
history
Cash to Debt 0.12
RBCAA's Cash to Debt is ranked higher than
51% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RBCAA: 0.12 )
RBCAA' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.12

Equity to Asset 0.16
RBCAA's Equity to Asset is ranked higher than
94% of the 1739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RBCAA: 0.16 )
RBCAA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.17
Current: 0.16

0.07
0.17
Interest Coverage 1.89
RBCAA's Interest Coverage is ranked higher than
75% of the 1607 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. RBCAA: 1.89 )
RBCAA' s 10-Year Interest Coverage Range
Min: 0.29   Max: 8.07
Current: 1.89

0.29
8.07
F-Score: 3
Z-Score: 0.37
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 : 5/10

vs
industry
vs
history
Operating margin (%) 24.88
RBCAA's Operating margin (%) is ranked higher than
69% of the 1765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.49 vs. RBCAA: 24.88 )
RBCAA' s 10-Year Operating margin (%) Range
Min: -202   Max: 56.47
Current: 24.88

-202
56.47
Net-margin (%) 15.57
RBCAA's Net-margin (%) is ranked higher than
64% of the 1772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.32 vs. RBCAA: 15.57 )
RBCAA' s 10-Year Net-margin (%) Range
Min: 15.78   Max: 83.38
Current: 15.57

15.78
83.38
ROE (%) 4.43
RBCAA's ROE (%) is ranked higher than
61% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. RBCAA: 4.43 )
RBCAA' s 10-Year ROE (%) Range
Min: 4.64   Max: 24.13
Current: 4.43

4.64
24.13
ROA (%) 0.71
RBCAA's ROA (%) is ranked higher than
71% of the 1779 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. RBCAA: 0.71 )
RBCAA' s 10-Year ROA (%) Range
Min: 0.27   Max: 3.5
Current: 0.71

0.27
3.5
ROC (Joel Greenblatt) (%) 118.44
RBCAA's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 1746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. RBCAA: 118.44 )
RBCAA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -156.33   Max: 541.99
Current: 118.44

-156.33
541.99
Revenue Growth (%) -12.90
RBCAA's Revenue Growth (%) is ranked higher than
55% of the 1528 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RBCAA: -12.90 )
RBCAA' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 87.1
Current: -12.9

0
87.1
EBITDA Growth (%) -26.80
RBCAA's EBITDA Growth (%) is ranked higher than
54% of the 1376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. RBCAA: -26.80 )
RBCAA' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 39
Current: -26.8

0
39
EPS Growth (%) -26.60
RBCAA's EPS Growth (%) is ranked higher than
55% of the 1375 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. RBCAA: -26.60 )
RBCAA' s 10-Year EPS Growth (%) Range
Min: 0   Max: 486.7
Current: -26.6

0
486.7
» RBCAA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

RBCAA Guru Trades in Q3 2013

Jim Simons 16,100 sh (-54.22%)
» More
Q4 2013

RBCAA Guru Trades in Q4 2013

Jim Simons 30,800 sh (+91.3%)
» More
Q1 2014

RBCAA Guru Trades in Q1 2014

Jim Simons 47,730 sh (+54.97%)
» More
Q2 2014

RBCAA Guru Trades in Q2 2014

Jim Simons 58,000 sh (+21.52%)
» More
» Details

Insider Trades

Latest Guru Trades with RBCAA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 13.40
RBCAA's P/E(ttm) is ranked higher than
78% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.00 vs. RBCAA: 13.40 )
RBCAA' s 10-Year P/E(ttm) Range
Min: 3.53   Max: 23.37
Current: 13.4

3.53
23.37
P/B 0.86
RBCAA's P/B is ranked higher than
84% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. RBCAA: 0.86 )
RBCAA' s 10-Year P/B Range
Min: 0.75   Max: 2.88
Current: 0.86

0.75
2.88
P/S 3.10
RBCAA's P/S is ranked higher than
72% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. RBCAA: 3.10 )
RBCAA' s 10-Year P/S Range
Min: 1.25   Max: 15.98
Current: 3.1

1.25
15.98
PFCF 13.34
RBCAA's PFCF is ranked higher than
78% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 227.00 vs. RBCAA: 13.34 )
RBCAA' s 10-Year PFCF Range
Min: 2.49   Max: 90.35
Current: 13.34

2.49
90.35
EV-to-EBIT 27.76
RBCAA's EV-to-EBIT is ranked higher than
70% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.15 vs. RBCAA: 27.76 )
RBCAA' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 32.8
Current: 27.76

0.2
32.8
Shiller P/E 6.95
RBCAA's Shiller P/E is ranked higher than
97% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.31 vs. RBCAA: 6.95 )
RBCAA' s 10-Year Shiller P/E Range
Min: 6.13   Max: 26.07
Current: 6.95

6.13
26.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.20
RBCAA's Dividend Yield is ranked higher than
65% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.39 vs. RBCAA: 3.20 )
RBCAA' s 10-Year Dividend Yield Range
Min: 0.9   Max: 3.5
Current: 3.2

0.9
3.5
Dividend Payout 0.62
RBCAA's Dividend Payout is ranked higher than
59% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. RBCAA: 0.62 )
RBCAA' s 10-Year Dividend Payout Range
Min: 0.04   Max: 4.17
Current: 0.62

0.04
4.17
Dividend growth (3y) 7.30
RBCAA's Dividend growth (3y) is ranked higher than
80% of the 1033 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. RBCAA: 7.30 )
RBCAA' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 47.7
Current: 7.3

0
47.7
Yield on cost (5-Year) 4.62
RBCAA's Yield on cost (5-Year) is ranked higher than
73% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. RBCAA: 4.62 )
RBCAA' s 10-Year Yield on cost (5-Year) Range
Min: 1.3   Max: 5.05
Current: 4.62

1.3
5.05
Share Buyback Rate 0.10
RBCAA's Share Buyback Rate is ranked higher than
88% of the 1304 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. RBCAA: 0.10 )
RBCAA' s 10-Year Share Buyback Rate Range
Min: 0   Max: -26.7
Current: 0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.88
RBCAA's Price/Tangible Book is ranked higher than
86% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. RBCAA: 0.88 )
RBCAA' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 2.41
Current: 0.88

0.84
2.41
Price/DCF (Projected) 0.44
RBCAA's Price/DCF (Projected) is ranked higher than
90% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. RBCAA: 0.44 )
RBCAA' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 2.47
Current: 0.44

0.29
2.47
Price/Median PS Value 1.06
RBCAA's Price/Median PS Value is ranked higher than
76% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. RBCAA: 1.06 )
RBCAA' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 6.59
Current: 1.06

0.45
6.59
Price/Graham Number 0.88
RBCAA's Price/Graham Number is ranked higher than
78% of the 1916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. RBCAA: 0.88 )
RBCAA' s 10-Year Price/Graham Number Range
Min: 0.37   Max: 1.4
Current: 0.88

0.37
1.4
Earnings Yield (Greenblatt) 3.60
RBCAA's Earnings Yield (Greenblatt) is ranked higher than
63% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. RBCAA: 3.60 )
RBCAA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.1   Max: 622.2
Current: 3.6

3.1
622.2
Forward Rate of Return (Yacktman) -0.53
RBCAA's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.57 vs. RBCAA: -0.53 )
RBCAA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.3   Max: 52.3
Current: -0.53

1.3
52.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Republic Bancorp, Inc., is incorporated in Kentucky. It is a bank holding and a parent company of Republic Bank & Trust Company ("RB&T") and Republic Bank ("RB") (collectively referred together as the "Bank"), and Republic Invest Co. Republic Invest Co. includes its subsidiary, Republic Capital LLC. The main business of the company 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, 2012, Republic had 44 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. The TRS division's primary tax-related products have historically included RTs and RALs. Substantially all of the business generated by the TRS division occurs in the first quarter of the year. The Bank competes with mortgage bankers, mortgage brokers and financial institutions for the origination and funding of mortgage loans.
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