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Republic BancorpRBCAA -0.67%65 Equity-to-Asset is 0.16 as of Jun. 2026, which is 14% above its 10-year median of 0.14. GuruFocus rates RBCAA with a GF Score™ of 65/100 and a GF Value™ of $64.77 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,518 Banks companies, Republic Bancorp ranks better than 89.26% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Republic Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $1,156.8 Mil. Republic Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $7,061.8 Mil.
Therefore, Republic Bancorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.16.
The historical rank and industry rank for Republic Bancorp's Equity-to-Asset or its related term are showing as below:
RBCAA'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.14 Max: 0.16
Current: 0.16
During the past 13 years, the highest Equity to Asset Ratio of Republic Bancorp was 0.16. The lowest was 0.12. And the median was 0.14.
RBCAA's Equity-to-Asset is ranked better than 89.26% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs RBCAA: 0.16
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Republic Bancorp Equity-to-Asset Related Terms
Republic Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Republic Bancorp's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
RBCAA vs FSUN, LOB, GABC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Republic Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Republic Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Republic Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Republic Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Republic Bancorp (RBCAA) has a Equity-to-Asset of 0.16 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Republic Bancorp and its competitors. This is 14% above median its historical median of 0.14. Over the past decade, Republic Bancorp's Equity-to-Asset has ranged from 0.12 to 0.16. According to the industry distribution chart, Republic Bancorp ranks #163 out of 1518 companies in the Banks industry, placing it in the top 10.7%.
Is Republic Bancorp's Equity-to-Asset too high?
Republic Bancorp's current Equity-to-Asset of 0.16 is 14% above median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.16. The Banks industry median Equity-to-Asset is 0.10. Republic Bancorp's value of 0.16 is 60% above this industry median. Based on the distribution chart, Republic Bancorp ranks #163 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Republic Bancorp has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bancorp's Equity-to-Asset compare to FSUN and LOB?
According to the Banks industry distribution chart, Republic Bancorp ranks #163 out of 1518 companies for Equity-to-Asset. This places Republic Bancorp in the top 11% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Republic Bancorp's value of 0.16 is 60% above this benchmark. Historically, Republic Bancorp's own Equity-to-Asset has ranged from 0.12 to 0.16 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.10, Republic Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Republic Bancorp's current Equity-to-Asset of 0.16 is 60% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Republic Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Bancorp's current Equity-to-Asset is 0.16, which is 14% above median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Republic Bancorp (RBCAA) is currently considered Significantly Overvalued. The stock's GF Value™ is $64.77, compared to a current price of $96.50 — trading 49% above its estimated fair value. The current Equity-to-Asset is 0.16, which is 14% above median its 10-year median of 0.14 and 60% above the Banks industry median of 0.10. Republic Bancorp's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Republic Bancorp (RBCAA), the current Equity-to-Asset is 0.16 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Republic Bancorp (RBCAA) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bancorp stock appears to be overvalued.
The current stock price of $96.50 is trading 49% above its estimated GF Value™ of $64.77.
GuruFocus considers Republic Bancorp to be Significantly Overvalued.
Key valuation signals for RBCAA:
Equity-to-Asset: 0.16 (14% above median its 10-year median of 0.14)
GF Value™: $64.77 vs. price of $96.50 (49% above fair value)
Industry Position: 60% above the Banks median (#163 of 1518)
No single metric tells the full story. See the RBCAA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bancorp Inc operates as a financial institution that provides both traditional and non-traditional banking products through five reportable segments. It has traditional banking, which generates the majority of revenue, Warehouse Lending, Tax Refund Solutions (TRS), Republic Payment Solutions segment, and Republic Credit Solutions (RCS) business segments. The business activities of these segments include retail mortgage and commercial lending, construction and land development lending, internet lending, correspondent and indirect lending, and also private banking, treasury management services, internet, and mobile banking, bank acquisitions, short-term revolving credit facilities, fixed-term residential real estate loans, and receipt and payment of federal.
65GF Score
Get the complete analysis for RBCAA
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