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Republic BancorpRBCAA +3.64%67 EV-to-FCF is 12.75 as of Jul. 28, 2026, which is 20% above its 10-year median of 10.60. GuruFocus rates RBCAA with a GF Score™ of 67/100 and a GF Value™ of $61.51 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,196 Banks companies, Republic Bancorp ranks worse than 67.47% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Republic Bancorp's Enterprise Value is $1,807.3 Mil.
Republic Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $141.7 Mil. Therefore, Republic Bancorp's EV-to-FCF for today is 12.75.
The historical rank and industry rank for Republic Bancorp's EV-to-FCF or its related term are showing as below:
RBCAA'
s EV-to-FCF Range Over the Past 10 Years
Min: -1.07 Med: 10.6 Max: 36.52
Current: 12.75
During the past 13 years, the highest EV-to-FCF of Republic Bancorp was 36.52. The lowest was -1.07. And the median was 10.60.
RBCAA's EV-to-FCF is ranked worse than 67.47% of 1196
companies
in the Banks industry
Industry Median: 6.875
vs RBCAA: 12.75
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Republic Bancorp's PE Ratio (TTM) for today is calculated as:
Republic Bancorp's share price for today is $100.64.
Republic Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.400.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Republic Bancorp EV-to-FCF Related Terms
Republic Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Republic Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Republic Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Republic Bancorp's EV-to-FCF falls into.
Republic Bancorp's current Enterprise Value is $1,807.3 Mil.
Republic Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $141.7 Mil.
* 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 EV-to-FCF of 12.75 as of Jul. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Republic Bancorp and its competitors. This is 20% above median its historical median of 10.60. According to the industry distribution chart, Republic Bancorp ranks #807 out of 1196 companies in the Banks industry, placing it in the top 67.5%.
Is Republic Bancorp's EV-to-FCF too high?
Republic Bancorp's current EV-to-FCF of 12.75 is 20% above median its 10-year median of 10.60. The Banks industry median EV-to-FCF is 6.88. Republic Bancorp's value of 12.75 is 85.5% above this industry median. Based on the distribution chart, Republic Bancorp ranks #807 out of 1196 companies in the Banks industry, which is below the industry midpoint. Overall, Republic Bancorp has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bancorp's EV-to-FCF compare to TFIN and GABC?
According to the Banks industry distribution chart, Republic Bancorp ranks #807 out of 1196 companies for EV-to-FCF. This places Republic Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.88. Republic Bancorp's value of 12.75 is 85.5% above this benchmark. While the company's 10-year median is 10.60 vs. the industry median of 6.88, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.88, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Republic Bancorp's current EV-to-FCF of 12.75 is 85.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Republic Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Bancorp's current EV-to-FCF is 12.75, which is 20% above median its own 10-year median of 10.60. 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 $61.51, compared to a current price of $100.64 — trading 63.6% above its estimated fair value. The current EV-to-FCF is 12.75, which is 20% above median its 10-year median of 10.60 and 85.5% above the Banks industry median of 6.88. Republic Bancorp's overall GF Score™ is 67/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Republic Bancorp (RBCAA), the current EV-to-FCF is 12.75 as of Jul. 28, 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 $100.64 is trading 63.6% above its estimated GF Value™ of $61.51.
GuruFocus considers Republic Bancorp to be Significantly Overvalued.
Key valuation signals for RBCAA:
EV-to-FCF: 12.75 (20% above median its 10-year median of 10.60)
GF Value™: $61.51 vs. price of $100.64 (63.6% above fair value)
Industry Position: 85.5% above the Banks median (#807 of 1196)
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.
67GF Score
Get the complete analysis for RBCAA
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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