RBCAA (Republic Bancorp) Scaled Net Operating Assets: 0.04 (As of Jun. 2026)

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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 Scaled Net Operating Assets?

Republic Bancorp RBCAA +1.02% 65 Scaled Net Operating Assets is 0.04 as of Jun. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Republic Bancorp's operating assets for the quarter that ended in Jun. 2026 was $5,997.7 Mil. Republic Bancorp's operating liabilities for the quarter that ended in Jun. 2026 was $5,718.0 Mil. Republic Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $7,253.3 Mil. Therefore, Republic Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.04.

RBCAA
65GF Score
Republic Bancorp Inc RBCAA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Republic Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Republic Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(6822.089-5401.398)/6846.667
=0.21

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7042.061 - 219.972
=6822.089

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5939.768 - 538.37 - 0
=5401.398

Republic Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(5997.728-5717.955)/7253.279
=0.04

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7061.829 - 1064.101
=5997.728

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5905.032 - 187.077 - 0
=5717.955

* 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.

What does a Scaled Net Operating Assets of 0.04 mean?
Republic Bancorp (RBCAA) has a Scaled Net Operating Assets of 0.04 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Republic Bancorp and its competitors.
Is Republic Bancorp's Scaled Net Operating Assets too high?
Republic Bancorp's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets compare to TFIN and GABC?
Republic Bancorp's Scaled Net Operating Assets of 0.04 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Republic Bancorp and its competitors. Republic Bancorp's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Republic Bancorp (RBCAA), the current Scaled Net Operating Assets is 0.04 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:

  • Scaled Net Operating Assets: 0.04
  • 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$94.98
Price
$65.37
GF Value