Republic Bancorp, Inc. Fundamental Analysis (NASDAQ: RBCAA)
Republic Bancorp, Inc. Fundamental Analysis (NASDAQ: RBCAA)
Republic Bancorp, Inc. (NASDAQ: RBCAA) shows strong financial fundamentals with a PE ratio of 14.67, profit margin of 25.36%, and ROE of 11.44%. The company generates $0.4B in annual revenue with moderate year-over-year growth of 4.31%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 68.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze RBCAA's fundamental strength across five key dimensions:
Efficiency Score
WeakRBCAA struggles to generate sufficient returns from assets.
Valuation Score
ModerateRBCAA shows balanced valuation metrics.
Growth Score
ModerateRBCAA shows steady but slowing expansion.
Financial Health Score
ExcellentRBCAA maintains a strong and stable balance sheet.
Profitability Score
ModerateRBCAA maintains healthy but balanced margins.
Key Financial Metrics
Is RBCAA Expensive or Cheap?
P/E Ratio
RBCAA trades at 14.67 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, RBCAA's PEG of 8.52 indicates potential overvaluation.
Price to Book
The market values Republic Bancorp, Inc. at 1.63 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.75 times EBITDA. This is generally considered low.
How Well Does RBCAA Make Money?
Net Profit Margin
For every $100 in sales, Republic Bancorp, Inc. keeps $25.36 as profit after all expenses.
Operating Margin
Core operations generate 33.65 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.44 in profit for every $100 of shareholder equity.
ROA
Republic Bancorp, Inc. generates $1.81 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Republic Bancorp, Inc. generates strong operating cash flow of $124.21M, reflecting robust business health.
Free Cash Flow
Republic Bancorp, Inc. generates strong free cash flow of $116.88M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $6.69 in free cash annually.
FCF Yield
RBCAA converts 7.95% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.67
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
8.52
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.63
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.30
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.22
vs 25 benchmark
Current Ratio
Current assets to current liabilities
3.81
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How RBCAA Stacks Against Its Sector Peers
| Metric | RBCAA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.67 | 21.07 | Better (Cheaper) |
| ROE | 11.44% | 647.00% | Weak |
| Net Margin | 25.36% | -1594.00% (disorted) | Strong |
| Debt/Equity | 0.22 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 3.81 | 912.43 | Strong Liquidity |
| ROA | 1.81% | -579.00% (disorted) | Weak |
RBCAA outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Republic Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
64.25%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
66.49%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
135.37%
Industry Style: Value, Dividend, Cyclical
High Growth