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Also traded in: USA

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.14
RBCAA's Cash to Debt is ranked lower than
90% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. RBCAA: 0.14 )
Ranked among companies with meaningful Cash to Debt only.
RBCAA' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.16 Max: N/A
Current: 0.14
Equity to Asset 0.13
RBCAA's Equity to Asset is ranked higher than
77% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RBCAA: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
RBCAA' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.17
Current: 0.13
0.07
0.17
Interest Coverage 3.26
RBCAA's Interest Coverage is ranked higher than
69% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. RBCAA: 3.26 )
Ranked among companies with meaningful Interest Coverage only.
RBCAA' s Interest Coverage Range Over the Past 10 Years
Min: 0.37  Med: 2.26 Max: 8.07
Current: 3.26
0.37
8.07
F-Score: 5
M-Score: -2.19
WACC vs ROIC
2.15%
3.15%
WACC
ROIC
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 (%) 31.21
RBCAA's Operating margin (%) is ranked higher than
51% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. RBCAA: 31.21 )
Ranked among companies with meaningful Operating margin (%) only.
RBCAA' s Operating margin (%) Range Over the Past 10 Years
Min: -126.94  Med: 29.67 Max: 56.75
Current: 31.21
-126.94
56.75
Net-margin (%) 20.58
RBCAA's Net-margin (%) is ranked lower than
56% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. RBCAA: 20.58 )
Ranked among companies with meaningful Net-margin (%) only.
RBCAA' s Net-margin (%) Range Over the Past 10 Years
Min: 15.95  Med: 19.8 Max: 83.38
Current: 20.58
15.95
83.38
ROE (%) 6.72
RBCAA's ROE (%) is ranked lower than
62% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. RBCAA: 6.72 )
Ranked among companies with meaningful ROE (%) only.
RBCAA' s ROE (%) Range Over the Past 10 Years
Min: 4.71  Med: 12.7 Max: 24.13
Current: 6.72
4.71
24.13
ROA (%) 0.92
RBCAA's ROA (%) is ranked higher than
53% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. RBCAA: 0.92 )
Ranked among companies with meaningful ROA (%) only.
RBCAA' s ROA (%) Range Over the Past 10 Years
Min: 0.75  Med: 0.97 Max: 3.5
Current: 0.92
0.75
3.5
Revenue Growth (3Y)(%) -18.90
RBCAA's Revenue Growth (3Y)(%) is ranked lower than
94% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. RBCAA: -18.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RBCAA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.1  Med: 13.3 Max: 87.1
Current: -18.9
-33.1
87.1
EBITDA Growth (3Y)(%) -31.60
RBCAA's EBITDA Growth (3Y)(%) is ranked lower than
96% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. RBCAA: -31.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RBCAA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.6  Med: 12.5 Max: 39
Current: -31.6
-31.6
39
EPS Growth (3Y)(%) -33.10
RBCAA's EPS Growth (3Y)(%) is ranked lower than
94% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. RBCAA: -33.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RBCAA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -80.5  Med: 11.6 Max: 486.7
Current: -33.1
-80.5
486.7
» RBCAA's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-22)


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

» Details

Guru Trades

Q3 2015

RBCAA Guru Trades in Q3 2015

Jim Simons 32,949 sh (+19.42%)
» More
Q4 2015

RBCAA Guru Trades in Q4 2015

Jim Simons 33,713 sh (+2.32%)
» More
Q1 2016

RBCAA Guru Trades in Q1 2016

Jim Simons 47,500 sh (+40.90%)
» More
Q2 2016

RBCAA Guru Trades in Q2 2016

Jim Simons 36,800 sh (-22.53%)
» More
» Details

Insider Trades

Latest Guru Trades with RBCAA

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CTBI, NAS:EFSC, NAS:UVSP, NAS:SBCF, NAS:TRST, NAS:TCBK, NAS:LBAI, NYSE:NBHC, NYSE:CUBI, NAS:GABC, NAS:WASH, NAS:MSFG, NAS:ORIT, NAS:GSBC, NAS:SASR, NAS:CNOB, NAS:SYBT, NAS:PPBI, NAS:CHCO, NAS:COBZ » details
Traded in other countries:RBCAB.USA,
Republic Bancorp, Inc., along with its subsidiaries, provides banking, tax refund solutions, and mortgage banking services. The Company's segments include: Traditional Banking, Mortgage Banking and Republic Processing Group.

Republic Bancorp Inc was incorporated on January 2, 1974. The Company is a bank holding and a parent company of Republic Bank & Trust Company or RB&T and Republic Bank or RB. The main business of the Company is directing, planning and coordinating the business activities of the Bank. The Company is divided into three business operating segments: Traditional Banking, Mortgage Banking and Republic Processing Group. With Traditional Banking segment it engages in Lending activities, which includes: Retail Mortgage Lending, Commercial Lending, Warehouse Lines of Credit, Construction and Land Development Lending, Consumer Lending, Private Banking, Treasury Management Services, Internet Banking, Internet Lending and Correspondent Lending. Mortgage Banking activities include 15, 20 and 30-year fixed-term single family, first lien residential real estate loans that are sold into the secondary market, mainly to the Federal Home Loan Mortgage Corporation. Republic Processing Group segment facilitates the receipt and payment of federal and state tax refund products under the TRS division. As of December 31, 2013, the Company had 45 full-service banking centers with 34 located in Kentucky; 4 located in Metropolitan Tampa, Florida; 3 located in Southern Indiana; 1 in Metropolitan Cincinnati, Ohio; 2 in Metropolitan Nashville, Tennesse and 1 in Metropolitan Minneapolis, Minnesota. The Company faces competition from other financial institution in areas like Traditional Banking, Warehouse Lending, Mortgage Banking. The Company and the Bank are regulated at both the federal and state levels and are subject to various routine and non-routine examinations by federal and state regulators.

Ratios

vs
industry
vs
history
P/E(ttm) 16.56
RBCAA's P/E(ttm) is ranked lower than
66% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. RBCAA: 16.56 )
Ranked among companies with meaningful P/E(ttm) only.
RBCAA' s P/E(ttm) Range Over the Past 10 Years
Min: 3.52  Med: 12.99 Max: 23.35
Current: 16.56
3.52
23.35
PE(NRI) 16.56
RBCAA's PE(NRI) is ranked lower than
66% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. RBCAA: 16.56 )
Ranked among companies with meaningful PE(NRI) only.
RBCAA' s PE(NRI) Range Over the Past 10 Years
Min: 3.52  Med: 13.59 Max: 49.58
Current: 16.56
3.52
49.58
Price/Owner Earnings (ttm) 15.10
RBCAA's Price/Owner Earnings (ttm) is ranked lower than
61% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. RBCAA: 15.10 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
RBCAA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.08  Med: 13.45 Max: 54.92
Current: 15.1
3.08
54.92
P/B 1.09
RBCAA's P/B is ranked lower than
52% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. RBCAA: 1.09 )
Ranked among companies with meaningful P/B only.
RBCAA' s P/B Range Over the Past 10 Years
Min: 0.75  Med: 1.08 Max: 2.58
Current: 1.09
0.75
2.58
P/S 3.45
RBCAA's P/S is ranked lower than
58% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. RBCAA: 3.45 )
Ranked among companies with meaningful P/S only.
RBCAA' s P/S Range Over the Past 10 Years
Min: 1.25  Med: 2.95 Max: 15.41
Current: 3.45
1.25
15.41
PFCF 15.24
RBCAA's PFCF is ranked lower than
69% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. RBCAA: 15.24 )
Ranked among companies with meaningful PFCF only.
RBCAA' s PFCF Range Over the Past 10 Years
Min: 2.49  Med: 10.46 Max: 7002.5
Current: 15.24
2.49
7002.5
POCF 13.42
RBCAA's POCF is ranked lower than
70% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. RBCAA: 13.42 )
Ranked among companies with meaningful POCF only.
RBCAA' s POCF Range Over the Past 10 Years
Min: 2.42  Med: 9.21 Max: 123.39
Current: 13.42
2.42
123.39
EV-to-EBIT 25.91
RBCAA's EV-to-EBIT is ranked lower than
80% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. RBCAA: 25.91 )
Ranked among companies with meaningful EV-to-EBIT only.
RBCAA' s EV-to-EBIT Range Over the Past 10 Years
Min: -35  Med: 15.85 Max: 29
Current: 25.91
-35
29
EV-to-EBITDA 22.71
RBCAA's EV-to-EBITDA is ranked lower than
80% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. RBCAA: 22.71 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBCAA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -38.7  Med: 13.9 Max: 24.6
Current: 22.71
-38.7
24.6
Shiller P/E 11.52
RBCAA's Shiller P/E is ranked higher than
82% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. RBCAA: 11.52 )
Ranked among companies with meaningful Shiller P/E only.
RBCAA' s Shiller P/E Range Over the Past 10 Years
Min: 7.56  Med: 9.92 Max: 25.56
Current: 11.52
7.56
25.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.62
RBCAA's Dividend Yield is ranked lower than
56% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. RBCAA: 2.62 )
Ranked among companies with meaningful Dividend Yield only.
RBCAA' s Dividend Yield Range Over the Past 10 Years
Min: 1.33  Med: 2.67 Max: 3.5
Current: 2.62
1.33
3.5
Dividend Payout 0.42
RBCAA's Dividend Payout is ranked lower than
65% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. RBCAA: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
RBCAA' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.24 Max: 6.05
Current: 0.42
0.04
6.05
Dividend Growth (3y) 6.40
RBCAA's Dividend Growth (3y) is ranked lower than
56% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. RBCAA: 6.40 )
Ranked among companies with meaningful Dividend Growth (3y) only.
RBCAA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 12.5 Max: 47.7
Current: 6.4
0
47.7
Forward Dividend Yield 2.77
RBCAA's Forward Dividend Yield is ranked lower than
59% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. RBCAA: 2.77 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.64
RBCAA's Yield on cost (5-Year) is ranked higher than
52% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. RBCAA: 3.64 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RBCAA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.85  Med: 3.71 Max: 4.86
Current: 3.64
1.85
4.86
3-Year Average Share Buyback Ratio 0.10
RBCAA's 3-Year Average Share Buyback Ratio is ranked higher than
77% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. RBCAA: 0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RBCAA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -29  Med: -0.3 Max: 2.1
Current: 0.1
-29
2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
RBCAA's Price/Tangible Book is ranked higher than
51% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. RBCAA: 1.12 )
Ranked among companies with meaningful Price/Tangible Book only.
RBCAA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.38 Max: 2.39
Current: 1.12
0.84
2.39
Price/Projected FCF 0.71
RBCAA's Price/Projected FCF is ranked lower than
52% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. RBCAA: 0.71 )
Ranked among companies with meaningful Price/Projected FCF only.
RBCAA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.3  Med: 0.64 Max: 1.63
Current: 0.71
0.3
1.63
Price/Median PS Value 1.16
RBCAA's Price/Median PS Value is ranked lower than
67% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. RBCAA: 1.16 )
Ranked among companies with meaningful Price/Median PS Value only.
RBCAA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 1.03 Max: 6.01
Current: 1.16
0.44
6.01
Price/Graham Number 0.91
RBCAA's Price/Graham Number is ranked lower than
55% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. RBCAA: 0.91 )
Ranked among companies with meaningful Price/Graham Number only.
RBCAA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.37  Med: 0.86 Max: 1.77
Current: 0.91
0.37
1.77
Earnings Yield (Greenblatt) (%) 3.89
RBCAA's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. RBCAA: 3.89 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RBCAA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.4  Med: 5.8 Max: 599.4
Current: 3.89
3.4
599.4
Forward Rate of Return (Yacktman) (%) -18.78
RBCAA's Forward Rate of Return (Yacktman) (%) is ranked lower than
91% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. RBCAA: -18.78 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RBCAA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -18.9  Med: 11.2 Max: 55.6
Current: -18.78
-18.9
55.6

More Statistics

Revenue (TTM) (Mil) $190.1
EPS (TTM) $ 1.88
Beta0.15
Short Percentage of Float1.35%
52-Week Range $23.00 - 33.26
Shares Outstanding (Mil)20.86
» More Articles for RBCAA

Headlines

Articles On GuruFocus.com
The Top 10 Undervalued Predictable Companies Trading at 52-Week Lows Dec 05 2012 
Top 5 Highly Predictable Companies with Historically Low P/B Ratios Nov 26 2012 
Eight Companies That Just Raised Their Dividends May 21 2012 
The Cheapest Dividend Contenders with Lowest PEG Ratios Feb 09 2012 
Murray Stahl Includes Some Risk with His Top Three New Stocks Feb 03 2012 
Republic Bancorp: Not as Cheap as It Seems Oct 12 2011 
Cheapest Dividend Contenders With Best EPS Growth Sep 10 2011 
Notable Dividend Hikes: RBCAA, TWGP, NHC, PL, MCGC May 09 2011 
Four Financials at Historical Low Price/Book Ratios: HCBK, RBCAA, TMP, HCC Mar 03 2011 
Refund Anticipation Loan Crackdown: Be Wary of Republic Bancorp Feb 14 2011 

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