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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 0.10
RBCAA's Cash to Debt is ranked higher than
50% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. RBCAA: 0.10 )
RBCAA' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 0.1

Equity to Asset 0.15
RBCAA's Equity to Asset is ranked higher than
92% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RBCAA: 0.15 )
RBCAA' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.17
Current: 0.15

0.07
0.17
Interest Coverage 1.89
RBCAA's Interest Coverage is ranked higher than
75% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 4
Z-Score: 0.36
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 (%) 25.38
RBCAA's Operating margin (%) is ranked higher than
69% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. RBCAA: 25.38 )
RBCAA' s 10-Year Operating margin (%) Range
Min: -202   Max: 56.47
Current: 25.38

-202
56.47
Net-margin (%) 16.02
RBCAA's Net-margin (%) is ranked higher than
65% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. RBCAA: 16.02 )
RBCAA' s 10-Year Net-margin (%) Range
Min: 15.78   Max: 83.38
Current: 16.02

15.78
83.38
ROE (%) 4.52
RBCAA's ROE (%) is ranked higher than
60% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. RBCAA: 4.52 )
RBCAA' s 10-Year ROE (%) Range
Min: 4.64   Max: 24.13
Current: 4.52

4.64
24.13
ROA (%) 0.72
RBCAA's ROA (%) is ranked higher than
70% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RBCAA: 0.72 )
RBCAA' s 10-Year ROA (%) Range
Min: 0.27   Max: 3.5
Current: 0.72

0.27
3.5
ROC (Joel Greenblatt) (%) 120.75
RBCAA's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. RBCAA: 120.75 )
RBCAA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -156.33   Max: 541.99
Current: 120.75

-156.33
541.99
Revenue Growth (3Y)(%) -12.90
RBCAA's Revenue Growth (3Y)(%) is ranked higher than
55% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RBCAA: -12.90 )
RBCAA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 87.1
Current: -12.9

0
87.1
EBITDA Growth (3Y)(%) -26.80
RBCAA's EBITDA Growth (3Y)(%) is ranked higher than
54% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. RBCAA: -26.80 )
RBCAA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 39
Current: -26.8

0
39
EPS Growth (3Y)(%) -26.60
RBCAA's EPS Growth (3Y)(%) is ranked higher than
55% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. RBCAA: -26.60 )
RBCAA' s 10-Year EPS Growth (3Y)(%) 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

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
Q3 2014

RBCAA Guru Trades in Q3 2014

Jim Simons 40,800 sh (-29.66%)
» 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 Guru Trades Found!
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Ratios

vs
industry
vs
history
P/E(ttm) 14.30
RBCAA's P/E(ttm) is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. RBCAA: 14.30 )
RBCAA' s 10-Year P/E(ttm) Range
Min: 3.53   Max: 23.37
Current: 14.3

3.53
23.37
P/B 0.94
RBCAA's P/B is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. RBCAA: 0.94 )
RBCAA' s 10-Year P/B Range
Min: 0.75   Max: 2.78
Current: 0.94

0.75
2.78
P/S 3.38
RBCAA's P/S is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. RBCAA: 3.38 )
RBCAA' s 10-Year P/S Range
Min: 1.25   Max: 15.98
Current: 3.38

1.25
15.98
PFCF 21.45
RBCAA's PFCF is ranked higher than
77% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. RBCAA: 21.45 )
RBCAA' s 10-Year PFCF Range
Min: 2.49   Max: 155.61
Current: 21.45

2.49
155.61
EV-to-EBIT 29.30
RBCAA's EV-to-EBIT is ranked higher than
65% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. RBCAA: 29.30 )
RBCAA' s 10-Year EV-to-EBIT Range
Min: -34.8   Max: 33.3
Current: 29.3

-34.8
33.3
Shiller P/E 7.65
RBCAA's Shiller P/E is ranked higher than
98% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. RBCAA: 7.65 )
RBCAA' s 10-Year Shiller P/E Range
Min: 6.13   Max: 25.03
Current: 7.65

6.13
25.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.94
RBCAA's Dividend Yield is ranked higher than
66% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. RBCAA: 2.94 )
RBCAA' s 10-Year Dividend Yield Range
Min: 0.95   Max: 3.5
Current: 2.94

0.95
3.5
Dividend Payout 0.61
RBCAA's Dividend Payout is ranked higher than
63% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. RBCAA: 0.61 )
RBCAA' s 10-Year Dividend Payout Range
Min: 0.04   Max: 4.17
Current: 0.61

0.04
4.17
Dividend growth (3y) 7.30
RBCAA's Dividend growth (3y) is ranked higher than
80% of the 1127 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) 4.33
RBCAA's Yield on cost (5-Year) is ranked higher than
74% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. RBCAA: 4.33 )
RBCAA' s 10-Year Yield on cost (5-Year) Range
Min: 1.37   Max: 5.05
Current: 4.33

1.37
5.05
Share Buyback Rate 0.10
RBCAA's Share Buyback Rate is ranked higher than
87% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 0.95
RBCAA's Price/Tangible Book is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. RBCAA: 0.95 )
RBCAA' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 2.41
Current: 0.95

0.84
2.41
Price/DCF (Projected) 0.49
RBCAA's Price/DCF (Projected) is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. RBCAA: 0.49 )
RBCAA' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 2.47
Current: 0.49

0.3
2.47
Price/Median PS Value 1.15
RBCAA's Price/Median PS Value is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. RBCAA: 1.15 )
RBCAA' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 6.59
Current: 1.15

0.45
6.59
Price/Graham Number 0.94
RBCAA's Price/Graham Number is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. RBCAA: 0.94 )
RBCAA' s 10-Year Price/Graham Number Range
Min: 0.37   Max: 1.4
Current: 0.94

0.37
1.4
Earnings Yield (Greenblatt) 3.40
RBCAA's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. RBCAA: 3.40 )
RBCAA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3   Max: 622.2
Current: 3.4

3
622.2
Forward Rate of Return (Yacktman) -4.78
RBCAA's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. RBCAA: -4.78 )
RBCAA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.8   Max: 54.2
Current: -4.78

-4.8
54.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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 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.
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