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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 0.41
RBCAA's Cash-to-Debt is ranked lower than
80% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. RBCAA: 0.41 )
Ranked among companies with meaningful Cash-to-Debt only.
RBCAA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.18 Max: 1.57
Current: 0.41
0.05
1.57
Equity-to-Asset 0.13
RBCAA's Equity-to-Asset is ranked higher than
76% of the 1591 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: 0.05  Med: 0.08 Max: 0.16
Current: 0.13
0.05
0.16
Interest Coverage 4.07
RBCAA's Interest Coverage is ranked higher than
73% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. RBCAA: 4.07 )
Ranked among companies with meaningful Interest Coverage only.
RBCAA' s Interest Coverage Range Over the Past 10 Years
Min: 0.37  Med: 2.47 Max: 8.07
Current: 4.07
0.37
8.07
Beneish M-Score: -2.18
WACC vs ROIC
2.81%
4.21%
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 : 3/10

vs
industry
vs
history
Operating Margin % 31.40
RBCAA's Operating Margin % is ranked higher than
53% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. RBCAA: 31.40 )
Ranked among companies with meaningful Operating Margin % only.
RBCAA' s Operating Margin % Range Over the Past 10 Years
Min: 25.13  Med: 30.39 Max: 56.47
Current: 31.4
25.13
56.47
Net Margin % 20.90
RBCAA's Net Margin % is ranked lower than
54% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. RBCAA: 20.90 )
Ranked among companies with meaningful Net Margin % only.
RBCAA' s Net Margin % Range Over the Past 10 Years
Min: 15.78  Med: 19.81 Max: 36.64
Current: 20.9
15.78
36.64
ROE % 8.00
RBCAA's ROE % is ranked lower than
57% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. RBCAA: 8.00 )
Ranked among companies with meaningful ROE % only.
RBCAA' s ROE % Range Over the Past 10 Years
Min: 4.71  Med: 11.54 Max: 24.13
Current: 8
4.71
24.13
ROA % 1.04
RBCAA's ROA % is ranked higher than
59% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. RBCAA: 1.04 )
Ranked among companies with meaningful ROA % only.
RBCAA' s ROA % Range Over the Past 10 Years
Min: 0.75  Med: 0.98 Max: 3.5
Current: 1.04
0.75
3.5
3-Year Revenue Growth Rate 9.80
RBCAA's 3-Year Revenue Growth Rate is ranked higher than
76% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. RBCAA: 9.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
RBCAA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 10.9 Max: 52.7
Current: 9.8
0
52.7
3-Year EBITDA Growth Rate 22.40
RBCAA's 3-Year EBITDA Growth Rate is ranked higher than
77% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. RBCAA: 22.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
RBCAA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.4 Max: 39
Current: 22.4
0
39
3-Year EPS without NRI Growth Rate 22.10
RBCAA's 3-Year EPS without NRI Growth Rate is ranked higher than
80% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. RBCAA: 22.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
RBCAA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.2 Max: 486.7
Current: 22.1
0
486.7
GuruFocus has detected 6 Warning Signs with Republic Bancorp Inc $RBCAA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» RBCAA's 10-Y Financials

Financials (Next Earnings Date: 2017-07-22 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q3 2016

RBCAA Guru Trades in Q3 2016

Jim Simons 52,700 sh (+43.21%)
» More
Q4 2016

RBCAA Guru Trades in Q4 2016

Jim Simons 82,800 sh (+57.12%)
» 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%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:HFWA, NAS:TRST, NAS:PFBC, NAS:GABC, NAS:FBNC, NAS:GBNK, NAS:CNOB, NAS:GSBC, NAS:ORIT, NAS:CUNB, NAS:COBZ, NAS:MSFG, NAS:OPB, NAS:UVSP, NAS:BDGE, NAS:CAC, NAS:CTBI, NAS:TCBK, NAS:SGBK, NAS:TSC » details
Traded in other countries:RBCAB.USA,
Headquarter Location:USA
Republic Bancorp Inc along with its subsidiaries, provides banking, tax refund solutions, and mortgage banking services. The Company's segments are Traditional Banking, Warehouse Lending, 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
PE Ratio 15.52
RBCAA's PE Ratio is ranked lower than
55% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. RBCAA: 15.52 )
Ranked among companies with meaningful PE Ratio only.
RBCAA' s PE Ratio Range Over the Past 10 Years
Min: 3.52  Med: 13.83 Max: 23.35
Current: 15.52
3.52
23.35
PE Ratio without NRI 15.52
RBCAA's PE Ratio without NRI is ranked lower than
55% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. RBCAA: 15.52 )
Ranked among companies with meaningful PE Ratio without NRI only.
RBCAA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.52  Med: 13.81 Max: 48.3
Current: 15.52
3.52
48.3
Price-to-Owner-Earnings 17.99
RBCAA's Price-to-Owner-Earnings is ranked lower than
62% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. RBCAA: 17.99 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
RBCAA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.08  Med: 15.11 Max: 145.27
Current: 17.99
3.08
145.27
PB Ratio 1.22
RBCAA's PB Ratio is ranked higher than
51% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RBCAA: 1.22 )
Ranked among companies with meaningful PB Ratio only.
RBCAA' s PB Ratio Range Over the Past 10 Years
Min: 0.75  Med: 1.06 Max: 2.58
Current: 1.22
0.75
2.58
PS Ratio 3.56
RBCAA's PS Ratio is ranked higher than
51% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. RBCAA: 3.56 )
Ranked among companies with meaningful PS Ratio only.
RBCAA' s PS Ratio Range Over the Past 10 Years
Min: 1.25  Med: 2.82 Max: 4.24
Current: 3.56
1.25
4.24
Price-to-Free-Cash-Flow 18.60
RBCAA's Price-to-Free-Cash-Flow is ranked lower than
73% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. RBCAA: 18.60 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
RBCAA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.97  Med: 9.56 Max: 93.06
Current: 18.6
1.97
93.06
Price-to-Operating-Cash-Flow 15.84
RBCAA's Price-to-Operating-Cash-Flow is ranked lower than
71% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. RBCAA: 15.84 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
RBCAA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.42  Med: 8.8 Max: 53.35
Current: 15.84
2.42
53.35
EV-to-EBIT 17.26
RBCAA's EV-to-EBIT is ranked lower than
69% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. RBCAA: 17.26 )
Ranked among companies with meaningful EV-to-EBIT only.
RBCAA' s EV-to-EBIT Range Over the Past 10 Years
Min: -1  Med: 18.5 Max: 35.3
Current: 17.26
-1
35.3
EV-to-EBITDA 15.72
RBCAA's EV-to-EBITDA is ranked lower than
68% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. RBCAA: 15.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBCAA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.8  Med: 16.7 Max: 30.3
Current: 15.72
-0.8
30.3
Shiller PE Ratio 13.09
RBCAA's Shiller PE Ratio is ranked higher than
81% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. RBCAA: 13.09 )
Ranked among companies with meaningful Shiller PE Ratio only.
RBCAA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.67  Med: 9.78 Max: 25.56
Current: 13.09
4.67
25.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.31
RBCAA's Dividend Yield % is ranked lower than
56% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. RBCAA: 2.31 )
Ranked among companies with meaningful Dividend Yield % only.
RBCAA' s Dividend Yield % Range Over the Past 10 Years
Min: 1.33  Med: 2.68 Max: 3.5
Current: 2.31
1.33
3.5
Dividend Payout Ratio 0.37
RBCAA's Dividend Payout Ratio is ranked lower than
52% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. RBCAA: 0.37 )
Ranked among companies with meaningful Dividend Payout Ratio only.
RBCAA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.32 Max: 0.57
Current: 0.37
0.11
0.57
3-Year Dividend Growth Rate 6.00
RBCAA's 3-Year Dividend Growth Rate is ranked lower than
54% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. RBCAA: 6.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
RBCAA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.6 Max: 47.7
Current: 6
0
47.7
Forward Dividend Yield % 2.26
RBCAA's Forward Dividend Yield % is ranked lower than
61% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. RBCAA: 2.26 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.15
RBCAA's 5-Year Yield-on-Cost % is ranked higher than
50% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. RBCAA: 3.15 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
RBCAA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.81  Med: 3.65 Max: 4.77
Current: 3.15
1.81
4.77
3-Year Average Share Buyback Ratio -0.10
RBCAA's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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: -25.1  Med: -0.1 Max: 0
Current: -0.1
-25.1
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.24
RBCAA's Price-to-Tangible-Book is ranked higher than
53% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. RBCAA: 1.24 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
RBCAA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.84  Med: 1.4 Max: 2.39
Current: 1.24
0.84
2.39
Price-to-Intrinsic-Value-Projected-FCF 0.75
RBCAA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
57% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. RBCAA: 0.75 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
RBCAA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.29  Med: 0.66 Max: 1.07
Current: 0.75
0.29
1.07
Price-to-Median-PS-Value 1.25
RBCAA's Price-to-Median-PS-Value is ranked higher than
50% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. RBCAA: 1.25 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
RBCAA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.48  Med: 1.07 Max: 2.85
Current: 1.25
0.48
2.85
Price-to-Graham-Number 0.92
RBCAA's Price-to-Graham-Number is ranked higher than
54% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. RBCAA: 0.92 )
Ranked among companies with meaningful Price-to-Graham-Number only.
RBCAA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.37  Med: 0.93 Max: 15.52
Current: 0.92
0.37
15.52
Earnings Yield (Greenblatt) % 5.76
RBCAA's Earnings Yield (Greenblatt) % is ranked lower than
53% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. RBCAA: 5.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
RBCAA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.8  Med: 5.3 Max: 599.4
Current: 5.76
2.8
599.4
Forward Rate of Return (Yacktman) % -12.73
RBCAA's Forward Rate of Return (Yacktman) % is ranked lower than
91% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. RBCAA: -12.73 )
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: -18.7  Med: 14.7 Max: 55
Current: -12.73
-18.7
55

More Statistics

Revenue (TTM) (Mil) $230.6
EPS (TTM) $ 2.32
Beta0.32
Short Percentage of Float0.37%
52-Week Range $26.04 - 40.74
Shares Outstanding (Mil)20.85
» 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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