Switch to:
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 : 6/10

vs
industry
vs
history
Cash to Debt 0.36
RBCAA's Cash to Debt is ranked lower than
77% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. RBCAA: 0.36 )
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: 0.36
Equity to Asset 0.14
RBCAA's Equity to Asset is ranked higher than
81% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RBCAA: 0.14 )
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: 0.14
0.07
0.17
Interest Coverage 3.23
RBCAA's Interest Coverage is ranked higher than
69% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. RBCAA: 3.23 )
Ranked among companies with meaningful Interest Coverage only.
RBCAA' s Interest Coverage Range Over the Past 10 Years
Min: 0.37  Med: 2.08 Max: 8.07
Current: 3.23
0.37
8.07
F-Score: 6
M-Score: -2.27
WACC vs ROIC
3.11%
3.37%
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 (%) 32.08
RBCAA's Operating margin (%) is ranked higher than
52% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. RBCAA: 32.08 )
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: 32.08
25.13
56.47
Net-margin (%) 21.22
RBCAA's Net-margin (%) is ranked lower than
55% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. RBCAA: 21.22 )
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: 21.22
15.78
36.64
ROE (%) 6.78
RBCAA's ROE (%) is ranked lower than
62% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. RBCAA: 6.78 )
Ranked among companies with meaningful ROE (%) only.
RBCAA' s ROE (%) Range Over the Past 10 Years
Min: 4.71  Med: 12.70 Max: 24.13
Current: 6.78
4.71
24.13
ROA (%) 0.95
RBCAA's ROA (%) is ranked higher than
55% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. RBCAA: 0.95 )
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: 0.95
0.75
3.5
Revenue Growth (3Y)(%) -19.10
RBCAA's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. RBCAA: -19.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RBCAA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.1  Med: 11.50 Max: 23.1
Current: -19.1
-19.1
23.1
EBITDA Growth (3Y)(%) -31.70
RBCAA's EBITDA Growth (3Y)(%) is ranked lower than
95% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. RBCAA: -31.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RBCAA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.7  Med: 13.50 Max: 39
Current: -31.7
-31.7
39
EPS Growth (3Y)(%) -33.40
RBCAA's EPS Growth (3Y)(%) is ranked lower than
95% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. RBCAA: -33.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RBCAA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.4  Med: 14.30 Max: 41.2
Current: -33.4
-33.4
41.2
» RBCAA's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-17)


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

» Details

Guru Trades

Q2 2015

RBCAA Guru Trades in Q2 2015

Jim Simons 27,590 sh (+155.53%)
» More
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
» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LTXB, NAS:NBTB, NAS:WSBC, NAS:WABC, NAS:OPB, NAS:FFBC » 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) 14.96
RBCAA's P/E(ttm) is ranked lower than
61% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. RBCAA: 14.96 )
Ranked among companies with meaningful P/E(ttm) only.
RBCAA' s P/E(ttm) Range Over the Past 10 Years
Min: 3.53  Med: 12.78 Max: 23.37
Current: 14.96
3.53
23.37
PE(NRI) 15.04
RBCAA's PE(NRI) is ranked lower than
61% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. RBCAA: 15.04 )
Ranked among companies with meaningful PE(NRI) only.
RBCAA' s PE(NRI) Range Over the Past 10 Years
Min: 3.53  Med: 13.90 Max: 33.36
Current: 15.04
3.53
33.36
Price/Owner Earnings (ttm) 13.84
RBCAA's Price/Owner Earnings (ttm) is ranked lower than
58% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. RBCAA: 13.84 )
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: 18.87 Max: 388.89
Current: 13.84
3.08
388.89
P/B 1.00
RBCAA's P/B is ranked higher than
56% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. RBCAA: 1.00 )
Ranked among companies with meaningful P/B only.
RBCAA' s P/B Range Over the Past 10 Years
Min: 0.75  Med: 1.11 Max: 2.58
Current: 1
0.75
2.58
P/S 3.19
RBCAA's P/S is ranked lower than
55% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. RBCAA: 3.19 )
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: 3.19
1.25
15.41
PFCF 11.02
RBCAA's PFCF is ranked lower than
55% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. RBCAA: 11.02 )
Ranked among companies with meaningful PFCF only.
RBCAA' s PFCF Range Over the Past 10 Years
Min: 2.49  Med: 10.58 Max: 7002.5
Current: 11.02
2.49
7002.5
POCF 9.93
RBCAA's POCF is ranked lower than
58% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. RBCAA: 9.93 )
Ranked among companies with meaningful POCF only.
RBCAA' s POCF Range Over the Past 10 Years
Min: 2.42  Med: 9.31 Max: 123.39
Current: 9.93
2.42
123.39
EV-to-EBIT 16.01
RBCAA's EV-to-EBIT is ranked lower than
62% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. RBCAA: 16.01 )
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: 32.8
Current: 16.01
-35
32.8
EV-to-EBITDA 14.02
RBCAA's EV-to-EBITDA is ranked lower than
60% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. RBCAA: 14.02 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBCAA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -38.7  Med: 13.90 Max: 30.3
Current: 14.02
-38.7
30.3
Shiller P/E 10.37
RBCAA's Shiller P/E is ranked higher than
86% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. RBCAA: 10.37 )
Ranked among companies with meaningful Shiller P/E only.
RBCAA' s Shiller P/E Range Over the Past 10 Years
Min: 7.58  Med: 9.75 Max: 25.37
Current: 10.37
7.58
25.37

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.83
RBCAA's Dividend Yield is ranked lower than
52% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. RBCAA: 2.83 )
Ranked among companies with meaningful Dividend Yield only.
RBCAA' s Dividend Yield Range Over the Past 10 Years
Min: 1.29  Med: 2.63 Max: 3.5
Current: 2.83
1.29
3.5
Dividend Payout 0.42
RBCAA's Dividend Payout is ranked lower than
63% of the 1315 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: 4.7
Current: 0.42
0.04
4.7
Dividend Growth (3y) 6.40
RBCAA's Dividend Growth (3y) is ranked lower than
54% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 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: 12.50 Max: 47.7
Current: 6.4
0
47.7
Forward Dividend Yield 2.99
RBCAA's Forward Dividend Yield is ranked lower than
57% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. RBCAA: 2.99 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.92
RBCAA's Yield on cost (5-Year) is ranked higher than
57% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. RBCAA: 3.92 )
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: 1.79  Med: 3.65 Max: 4.86
Current: 3.92
1.79
4.86
3-Year Average Share Buyback Ratio 0.10
RBCAA's 3-Year Average Share Buyback Ratio is ranked higher than
76% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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: -0.30 Max: 2.1
Current: 0.1
-29
2.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
RBCAA's Price/Tangible Book is ranked higher than
58% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. RBCAA: 1.01 )
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: 1.01
0.84
2.39
Price/Projected FCF 0.62
RBCAA's Price/Projected FCF is ranked higher than
55% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. RBCAA: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
RBCAA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.3  Med: 0.78 Max: 2.3
Current: 0.62
0.3
2.3
Price/Median PS Value 1.08
RBCAA's Price/Median PS Value is ranked lower than
61% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. RBCAA: 1.08 )
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: 1.02 Max: 6.01
Current: 1.08
0.44
6.01
Price/Graham Number 0.82
RBCAA's Price/Graham Number is ranked higher than
52% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. RBCAA: 0.82 )
Ranked among companies with meaningful Price/Graham Number only.
RBCAA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.37  Med: 0.90 Max: 1.76
Current: 0.82
0.37
1.76
Earnings Yield (Greenblatt) (%) 6.29
RBCAA's Earnings Yield (Greenblatt) (%) is ranked lower than
56% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. RBCAA: 6.29 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RBCAA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.1  Med: 5.80 Max: 599.4
Current: 6.29
3.1
599.4
Forward Rate of Return (Yacktman) (%) -14.34
RBCAA's Forward Rate of Return (Yacktman) (%) is ranked lower than
90% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. RBCAA: -14.34 )
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: -15.1  Med: 9.10 Max: 55.6
Current: -14.34
-15.1
55.6

More Statistics

Revenue (TTM) (Mil) $184.3
EPS (TTM) $ 1.87
Beta0.42
Short Percentage of Float1.89%
52-Week Range $23.00 - 28.43
Shares Outstanding (Mil)20.90
» 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 

More From Other Websites
Republic Bank Offers Free $50 Deposit To Ease Transition For New Graduates May 20 2016
REPUBLIC BANCORP INC /KY/ Financials May 19 2016
Republic Bancorp, Inc. Increases its Common Stock Cash Dividends for the 17th Consecutive Year May 18 2016
Why this bank leader is calling a St. Pete deal a win for all May 18 2016
REPUBLIC BANCORP INC /KY/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 18 2016
Republic Bancorp, Inc. Increases its Common Stock Cash Dividends for the 17th Consecutive Year May 18 2016
Republic Bancorp, Inc. Completes Acquisition of Cornerstone Bancorp, Inc. May 17 2016
REPUBLIC BANCORP INC /KY/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 17 2016
Republic Bancorp, Inc. Completes Acquisition of Cornerstone Bancorp, Inc. May 17 2016
Two St. Pete bank names move closer to disappearing May 13 2016
REPUBLIC BANCORP INC /KY/ Files SEC form 10-Q, Quarterly Report May 10 2016
Feds give go-ahead for a Tampa Bay bank deal May 02 2016
REPUBLIC BANCORP INC /KY/ Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 22 2016
Republic Bancorp, Inc. Reports 29% Year-Over-Year Increase in First Quarter Net Income Apr 21 2016
Republic Bancorp posts 1Q profit Apr 21 2016
Republic Bancorp posts 1Q profit Apr 21 2016
REPUBLIC BANCORP INC /KY/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Apr 21 2016
Republic Bancorp, Inc. Reports 29% Year-Over-Year Increase in First Quarter Net Income Apr 21 2016
Bank expands in Cincinnati with first full-service Ohio branch Apr 20 2016
Republic Bank Opening New Banking Center in Cincinnati Apr 19 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)