RBCAA (Republic Bancorp) Margin of Safety % (DCF Earnings Based): 21.18% (As of Aug. 30, 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

RBCAA Republic Bancorp Inc RBCAA
65 GF Score
Price $94.98
GF Value $65.37
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Republic Bancorp Margin of Safety % (DCF Earnings Based)?

Republic Bancorp RBCAA +1.02% 65 Margin of Safety % (DCF Earnings Based) is 21.18% as of Aug. 30, 2026. GuruFocus rates RBCAA with a GF Score™ of 65/100 and a GF Value™ of $65.37 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-08-30), Republic Bancorp's Predictability Rank is 4.5-Stars. Republic Bancorp's intrinsic value calculated from the Discounted Earnings model is $120.51 and current share price is $94.98. Consequently,

Republic Bancorp's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 21.18%.

RBCAA vs TFIN, GABC, TCBK: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Republic Bancorp's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Republic Bancorp's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Republic Bancorp's Margin of Safety % (DCF Earnings Based) falls into.


RBCAA
65GF Score
Republic Bancorp Inc RBCAA
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Republic Bancorp Margin of Safety % (DCF Earnings Based) Calculation

Republic Bancorp's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(120.51-94.98)/120.51
=21.18 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 21.18% mean?
Republic Bancorp (RBCAA) has a Margin of Safety % (DCF Earnings Based) of 21.18% as of Aug. 30, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Republic Bancorp.
Is Republic Bancorp's Margin of Safety % (DCF Earnings Based) too high?
Republic Bancorp's current Margin of Safety % (DCF Earnings Based) is 21.18%. 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 Margin of Safety % (DCF Earnings Based) compare to TFIN and GABC?
Republic Bancorp's Margin of Safety % (DCF Earnings Based) of 21.18% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Republic Bancorp. Republic Bancorp's current Margin of Safety % (DCF Earnings Based) is 21.18%. 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 $65.37, compared to a current price of $94.98 — trading 45.3% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 21.18%. Republic Bancorp's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Republic Bancorp (RBCAA), the current Margin of Safety % (DCF Earnings Based) is 21.18% as of Aug. 30, 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 $94.98 is trading 45.3% above its estimated GF Value™ of $65.37. GuruFocus considers Republic Bancorp to be Significantly Overvalued.

Key valuation signals for RBCAA:

  • Margin of Safety % (DCF Earnings Based): 21.18%
  • GF Value™: $65.37 vs. price of $94.98 (45.3% above fair value)
  • GF Score™: 65/100 with 7 warning signs

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 Business Description

Address 601 West Market Street, Republic Corporate Center, Louisville, KY, USA, 40202
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

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$94.98
Price
$65.37
GF Value