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Republic Bancorp Inc/KY (RBCAA)
NASDAQFinancialsBanks - RegionalSnapshot 2026-06-15
Intact
$85.21-2.79%
Close 2026-06-15 · 1-day change
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
The bottom line
Recent financial performance is strong, but earnings quality and management's track record are neutral. Risk is moderate, and the sector backdrop is a headwind, although RBCAA is performing above typical compared to sector peers. Peer multiples imply a price about 12% below where it trades (it looks expensive on this basis); the read is fair. The outlook hinges on sector trends, particularly if bellwethers like HDB, IBN, and PNC continue to beat earnings and guide higher. This read is provisional.
as of 2026-06-15
Quick facts
- Exchange
- NASDAQ
- Sector
- Financials
- Industry
- Banks - Regional
- Market cap
- $1.72B
- Employees
- 973
- IPO date
- 1996-05-15
- Next earnings
- 2026-07-17
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 5 valuation methods, at three horizons. Current price $85.21. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfull
$76.43consensus
Range $71.18 – $79.20
vs price: +11% above
Method agreement — · 5 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearfull
$80.04consensus
Range $79.43 – $85.50
vs price: +6% above
Method agreement — · 3 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearfair
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Aligned with peershigh confidence
At $85 RBCAA trades at 14× p/e, in line with its 12× p/e peer median. Our $76 fair value reflects that, high confidence. Not investment advice.
Multiple (P/E)
13.5x
peer 12.2x · own history —
Premium
1.1x peer
Growth the price needs
11%
our forecast 0%
Our fair value
$76.43
range $71.06 – $79.20
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
fullfair12-month view
What's priced inStretched
The market is pricing in roughly 11% near-term growth, ahead of our forecast of about 0%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
strongOperating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 54% for the rest of the cohort, n=3733).
79th pctl · Financials
Earnings quality
neutralOver the trailing year it converted 1.20x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
48th pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity.
Management & capital allocation
neutralEarnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
BullishEPS revised +9.9% / 30d, n=1for period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $1.41 → $1.55 (+9.9% / 30d). 1 raised, 1 cut, 1 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d. 0% of analysts rate Buy.
Material events
0 positive, 0 negative / 30d.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Secular epoch: by revenue growth.Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: strong
- Capital allocation
- strong
- Earnings discipline
- neutral
- Margin discipline
- strong
- Balance sheet
- neutral
- Post-call reaction
- weak
A guidance track record builds as the company issues and delivers on guidance.
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$98.
How much price usually moves either way.
On a bad day, this stock has moved -$258.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,597.
Deepest peak-to-trough drop in the last year.
moderateas of 2026-06-15
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- Either wayHigh confidenceWeeksactive 4d
Watch for FOMC decisions on June 17
Why it matters: FOMC decisions change interest rates and lending rules. These changes can affect how much money banks make.
What confirms / what disproves
Confirms one read:FOMC raises interest rates by 25 basis points.
Confirms the other:FOMC keeps interest rates unchanged or lowers them.
Sector context
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for RBCAA yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like HDB, IBN, and PNC keep beating earnings and guiding higher, the Financials sector momentum should keep lifting RBCAA and other Financials names. Worth watching these names for early signals.
- If RBCAA beats again next quarter like it did this past one (a solid beat of +11% on the 2026-03-31 print), the momentum tends to extend, with Street estimates ratcheting up and the stock typically following.
Downside triggers
- If sector bellwethers like HDB, IBN, and PNC start missing or guiding lower, the Financials tailwind helping RBCAA and other Financials names could fade. Watch these names for early warning.
- If the Fed starts cutting rates from the current 3.62%, that would weigh on RBCAA and other Financials names, since the sector usually outperforms when rates stay high.
- If GDP growth slows materially from the current 2.6% (say, below 2%), it hits RBCAA and other Financials names harder than the average stock, since the sector is growth-sensitive.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-2028d agoItem 7.01
REGULATION FD DISCLOSURE. On May 20, 2026, Republic Bancorp, Inc. announced its second quarter 2026 cash dividend. The public announcement was made by means of a news release, the text of which is set forth in Exhibit 99.1 hereto.
Capital allocationneutral
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
+14 vs last weeklatest as of 2026-06-16
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.