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Republic BancorpRBCAA +1.02%65 ROE % is 11.48% as of Jun. 2026, which is 8% above its 10-year median of 10.61. 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. Among 1,521 Banks companies, Republic Bancorp ranks better than 58.78% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Republic Bancorp ROE % Related Terms
Republic Bancorp ROE % Historical Data
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The historical data trend for Republic Bancorp's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Republic Bancorp's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Republic Bancorp (RBCAA) has a ROE % of 11.48% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Republic Bancorp and its competitors. This is near median its historical median of 10.61. Over the past decade, Republic Bancorp's ROE % has ranged from 7.38 to 12.61. According to the industry distribution chart, Republic Bancorp ranks #627 out of 1521 companies in the Banks industry, placing it in the top 41.2%.
Is Republic Bancorp's ROE % too high?
Republic Bancorp's current ROE % of 11.48% is near median its 10-year median of 10.61. Over the past 10 years, this metric has ranged from a low of 7.38 to a high of 12.61. The Banks industry median ROE % is 10.50. Republic Bancorp's value of 11.48% is 9.3% above this industry median. Based on the distribution chart, Republic Bancorp ranks #627 out of 1521 companies in the Banks industry, which is above the industry midpoint. 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 ROE % compare to TFIN and GABC?
According to the Banks industry distribution chart, Republic Bancorp ranks #627 out of 1521 companies for ROE %. This puts Republic Bancorp in the upper half of its industry. The industry median ROE % is 10.50. Republic Bancorp's value of 11.48% is 9.3% above this benchmark. Historically, Republic Bancorp's own ROE % has ranged from 7.38 to 12.61 over the past decade. While the company's 10-year median is 10.61 vs. the industry median of 10.50, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.50, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Republic Bancorp's current ROE % of 11.48% is 9.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Republic Bancorp and its competitors. For the Banks industry, the median ROE % is 10.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Bancorp's current ROE % is 11.48%, which is near median its own 10-year median of 10.61. 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 ROE % is 11.48%, which is near median its 10-year median of 10.61 and 9.3% above the Banks industry median of 10.50. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Republic Bancorp (RBCAA), the current ROE % is 11.48% 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 $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:
ROE %: 11.48% (near median its 10-year median of 10.61)
GF Value™: $65.37 vs. price of $94.98 (45.3% above fair value)
Industry Position: 9.3% above the Banks median (#627 of 1521)
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
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