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Republic BancorpRBCAA +1.02%65 5-Year Yield-on-Cost % is 3.15 as of Aug. 30, 2026, which is 20% below its 10-year median of 3.92. 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 1,247 Banks companies, Republic Bancorp ranks worse than 62.39% on this metric.
Republic Bancorp's yield on cost for the quarter that ended in Jun. 2026 was 3.15.
The historical rank and industry rank for Republic Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
RBCAA'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.93 Med: 3.92 Max: 6.2
Current: 3.15
During the past 13 years, Republic Bancorp's highest Yield on Cost was 6.20. The lowest was 2.93. And the median was 3.92.
RBCAA's 5-Year Yield-on-Cost % is ranked worse than 62.39% of 1247
companies
in the Banks industry
Industry Median: 3.83
vs RBCAA: 3.15
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Republic Bancorp 5-Year Yield-on-Cost % Related Terms
RBCAA vs TFIN, GABC, TCBK: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Republic Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Republic Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Republic Bancorp (RBCAA) has a 5-Year Yield-on-Cost % of 3.15 as of Aug. 30, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Republic Bancorp and its competitors. This is 20% below median its historical median of 3.92. Over the past decade, Republic Bancorp's 5-Year Yield-on-Cost % has ranged from 2.93 to 6.20. According to the industry distribution chart, Republic Bancorp ranks #778 out of 1247 companies in the Banks industry, placing it in the top 62.4%.
Is Republic Bancorp's 5-Year Yield-on-Cost % too high?
Republic Bancorp's current 5-Year Yield-on-Cost % of 3.15 is 20% below median its 10-year median of 3.92. Over the past 10 years, this metric has ranged from a low of 2.93 to a high of 6.20. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Republic Bancorp's value of 3.15 is 17.8% below this industry median. Based on the distribution chart, Republic Bancorp ranks #778 out of 1247 companies in the Banks industry, which is below 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 5-Year Yield-on-Cost % compare to TFIN and GABC?
According to the Banks industry distribution chart, Republic Bancorp ranks #778 out of 1247 companies for 5-Year Yield-on-Cost %. This places Republic Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. Republic Bancorp's value of 3.15 is 17.8% below this benchmark. Historically, Republic Bancorp's own 5-Year Yield-on-Cost % has ranged from 2.93 to 6.20 over the past decade. While the company's 10-year median is 3.92 vs. the industry median of 3.83, Republic Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,247 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Republic Bancorp's current 5-Year Yield-on-Cost % of 3.15 is 17.8% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Republic Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Bancorp's current 5-Year Yield-on-Cost % is 3.15, which is 20% below median its own 10-year median of 3.92. 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 5-Year Yield-on-Cost % is 3.15, which is 20% below median its 10-year median of 3.92 and 17.8% below the Banks industry median of 3.83. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Republic Bancorp (RBCAA), the current 5-Year Yield-on-Cost % is 3.15 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:
5-Year Yield-on-Cost %: 3.15 (20% below median its 10-year median of 3.92)
GF Value™: $65.37 vs. price of $94.98 (45.3% above fair value)
Industry Position: 17.8% below the Banks median (#778 of 1247)
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
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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