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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.28
RBCAA's Cash to Debt is ranked lower than
78% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. RBCAA: 0.28 )
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: 0.28
Equity to Asset 0.14
RBCAA's Equity to Asset is ranked higher than
81% of the 1578 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 2.88
RBCAA's Interest Coverage is ranked higher than
65% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. RBCAA: 2.88 )
Ranked among companies with meaningful Interest Coverage only.
RBCAA' s Interest Coverage Range Over the Past 10 Years
Min: 0.37  Med: 1.89 Max: 8.07
Current: 2.88
0.37
8.07
F-Score: 6
WACC vs ROIC
3.16%
2.89%
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 (%) 30.96
RBCAA's Operating margin (%) is ranked higher than
50% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. RBCAA: 30.96 )
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: 30.96
-126.94
56.75
Net-margin (%) 20.45
RBCAA's Net-margin (%) is ranked lower than
57% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. RBCAA: 20.45 )
Ranked among companies with meaningful Net-margin (%) only.
RBCAA' s Net-margin (%) Range Over the Past 10 Years
Min: 15.95  Med: 22.82 Max: 83.38
Current: 20.45
15.95
83.38
ROE (%) 6.16
RBCAA's ROE (%) is ranked lower than
66% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. RBCAA: 6.16 )
Ranked among companies with meaningful ROE (%) only.
RBCAA' s ROE (%) Range Over the Past 10 Years
Min: 4.71  Med: 13.53 Max: 24.13
Current: 6.16
4.71
24.13
ROA (%) 0.88
RBCAA's ROA (%) is ranked higher than
52% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. RBCAA: 0.88 )
Ranked among companies with meaningful ROA (%) only.
RBCAA' s ROA (%) Range Over the Past 10 Years
Min: 0.75  Med: 1.03 Max: 3.5
Current: 0.88
0.75
3.5
Revenue Growth (3Y)(%) -18.20
RBCAA's Revenue Growth (3Y)(%) is ranked lower than
86% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. RBCAA: -18.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RBCAA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.1  Med: 14.60 Max: 87.1
Current: -18.2
-33.1
87.1
EBITDA Growth (3Y)(%) -29.40
RBCAA's EBITDA Growth (3Y)(%) is ranked lower than
87% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. RBCAA: -29.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RBCAA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.4  Med: 13.25 Max: 39
Current: -29.4
-29.4
39
EPS Growth (3Y)(%) -32.50
RBCAA's EPS Growth (3Y)(%) is ranked lower than
86% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. RBCAA: -32.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RBCAA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -80.5  Med: 12.00 Max: 486.5
Current: -32.5
-80.5
486.5
» RBCAA's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2014

RBCAA Guru Trades in Q4 2014

Jim Simons 15,600 sh (-61.76%)
» More
Q1 2015

RBCAA Guru Trades in Q1 2015

Jim Simons 10,797 sh (-30.79%)
» More
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
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 16.30
RBCAA's P/E(ttm) is ranked lower than
71% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. RBCAA: 16.30 )
Ranked among companies with meaningful P/E(ttm) only.
RBCAA' s P/E(ttm) Range Over the Past 10 Years
Min: 3.53  Med: 12.66 Max: 23.37
Current: 16.3
3.53
23.37
Forward P/E 14.25
RBCAA's Forward P/E is ranked lower than
83% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. RBCAA: 14.25 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.30
RBCAA's PE(NRI) is ranked lower than
71% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. RBCAA: 16.30 )
Ranked among companies with meaningful PE(NRI) only.
RBCAA' s PE(NRI) Range Over the Past 10 Years
Min: 3.53  Med: 13.80 Max: 33.36
Current: 16.3
3.53
33.36
P/B 0.93
RBCAA's P/B is ranked higher than
56% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. RBCAA: 0.93 )
Ranked among companies with meaningful P/B only.
RBCAA' s P/B Range Over the Past 10 Years
Min: 0.75  Med: 1.18 Max: 2.58
Current: 0.93
0.75
2.58
P/S 3.22
RBCAA's P/S is ranked lower than
60% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. RBCAA: 3.22 )
Ranked among companies with meaningful P/S only.
RBCAA' s P/S Range Over the Past 10 Years
Min: 1.25  Med: 2.96 Max: 15.98
Current: 3.22
1.25
15.98
PFCF 18.24
RBCAA's PFCF is ranked lower than
81% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. RBCAA: 18.24 )
Ranked among companies with meaningful PFCF only.
RBCAA' s PFCF Range Over the Past 10 Years
Min: 2.49  Med: 8.40 Max: 63.97
Current: 18.24
2.49
63.97
POCF 15.22
RBCAA's POCF is ranked lower than
82% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. RBCAA: 15.22 )
Ranked among companies with meaningful POCF only.
RBCAA' s POCF Range Over the Past 10 Years
Min: 2.42  Med: 7.30 Max: 121.78
Current: 15.22
2.42
121.78
EV-to-EBIT 24.03
RBCAA's EV-to-EBIT is ranked lower than
79% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. RBCAA: 24.03 )
Ranked among companies with meaningful EV-to-EBIT only.
RBCAA' s EV-to-EBIT Range Over the Past 10 Years
Min: -34.8  Med: 16.30 Max: 32.8
Current: 24.03
-34.8
32.8
EV-to-EBITDA 20.72
RBCAA's EV-to-EBITDA is ranked lower than
78% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. RBCAA: 20.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
RBCAA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -38.5  Med: 14.20 Max: 30.3
Current: 20.72
-38.5
30.3
Shiller P/E 9.68
RBCAA's Shiller P/E is ranked higher than
86% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. RBCAA: 9.68 )
Ranked among companies with meaningful Shiller P/E only.
RBCAA' s Shiller P/E Range Over the Past 10 Years
Min: 7.56  Med: 9.67 Max: 25.56
Current: 9.68
7.56
25.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.04
RBCAA's Dividend Yield is ranked higher than
50% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. RBCAA: 3.04 )
Ranked among companies with meaningful Dividend Yield only.
RBCAA' s Dividend Yield Range Over the Past 10 Years
Min: 1.25  Med: 2.60 Max: 3.5
Current: 3.04
1.25
3.5
Dividend Payout 0.49
RBCAA's Dividend Payout is ranked lower than
66% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. RBCAA: 0.49 )
Ranked among companies with meaningful Dividend Payout only.
RBCAA' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.22 Max: 4.17
Current: 0.49
0.04
4.17
Dividend Growth (3y) 6.80
RBCAA's Dividend Growth (3y) is ranked higher than
56% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. RBCAA: 6.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
RBCAA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 14.05 Max: 47.7
Current: 6.8
0
47.7
Forward Dividend Yield 3.08
RBCAA's Forward Dividend Yield is ranked higher than
81% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. RBCAA: 3.08 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.31
RBCAA's Yield on cost (5-Year) is ranked higher than
61% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. RBCAA: 4.31 )
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: 1.78  Med: 3.70 Max: 4.98
Current: 4.31
1.78
4.98
3-Year Average Share Buyback Ratio 0.10
RBCAA's 3-Year Average Share Buyback Ratio is ranked higher than
78% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 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: -26.7  Med: -0.20 Max: 1.2
Current: 0.1
-26.7
1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.95
RBCAA's Price/Tangible Book is ranked higher than
60% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. RBCAA: 0.95 )
Ranked among companies with meaningful Price/Tangible Book only.
RBCAA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 1.40 Max: 2.39
Current: 0.95
0.84
2.39
Price/Projected FCF 0.52
RBCAA's Price/Projected FCF is ranked higher than
64% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. RBCAA: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
RBCAA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.3  Med: 0.68 Max: 2.47
Current: 0.52
0.3
2.47
Price/Median PS Value 1.09
RBCAA's Price/Median PS Value is ranked lower than
68% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. RBCAA: 1.09 )
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: 1.01 Max: 6.04
Current: 1.09
0.44
6.04
Price/Graham Number 0.83
RBCAA's Price/Graham Number is ranked lower than
55% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. RBCAA: 0.83 )
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: 0.83
0.37
1.76
Earnings Yield (Greenblatt) (%) 4.20
RBCAA's Earnings Yield (Greenblatt) (%) is ranked lower than
71% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. RBCAA: 4.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RBCAA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.1  Med: 5.40 Max: 622.2
Current: 4.2
3.1
622.2
Forward Rate of Return (Yacktman) (%) -14.64
RBCAA's Forward Rate of Return (Yacktman) (%) is ranked lower than
90% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. RBCAA: -14.64 )
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: -15.2  Med: 10.60 Max: 55.6
Current: -14.64
-15.2
55.6

More Statistics

Revenue(Mil) $172
EPS $ 1.58
Beta0.40
Short Percentage of Float1.70%
52-Week Range $23.00 - 27.56
Shares Outstanding(Mil)20.85

Analyst Estimate

Dec15
Revenue(Mil)
EPS($) 1.67
EPS without NRI($) 1.67

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:RBCAB.USA,
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.
» More Articles for RBCAA

Headlines

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