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Upturn AI SWOT - About
RBCAA 
Republic Bancorp Inc (RBCAA)
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Upturn Advisory Summary
04/01/2025: RBCAA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -4.1% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.24B USD | Price to earnings Ratio 12.24 | 1Y Target Price 70 |
Price to earnings Ratio 12.24 | 1Y Target Price 70 | ||
Volume (30-day avg) 25148 | Beta 0.48 | 52 Weeks Range 45.57 - 79.66 | Updated Date 04/1/2025 |
52 Weeks Range 45.57 - 79.66 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.82% | Basic EPS (TTM) 5.21 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.68% | Operating Margin (TTM) 31.06% |
Management Effectiveness
Return on Assets (TTM) 1.51% | Return on Equity (TTM) 10.64% |
Valuation
Trailing PE 12.24 | Forward PE - | Enterprise Value 1346162816 | Price to Sales(TTM) 3.76 |
Enterprise Value 1346162816 | Price to Sales(TTM) 3.76 | ||
Enterprise Value to Revenue 4.42 | Enterprise Value to EBITDA - | Shares Outstanding 17340400 | Shares Floating 8809327 |
Shares Outstanding 17340400 | Shares Floating 8809327 | ||
Percent Insiders 52.07 | Percent Institutions 28.54 |
Analyst Ratings
Rating 3 | Target Price 72 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Republic Bancorp Inc
Company Overview
History and Background
Republic Bancorp Inc. was founded in 1981 and has grown through strategic acquisitions and organic expansion, focusing on community banking and specialized financial services.
Core Business Areas
- Traditional Banking: Offers a full range of banking products and services, including checking, savings, loans, and mortgages, primarily serving individuals and small to medium-sized businesses.
- Warehouse Lending: Provides short-term financing to mortgage originators.
- Private Wealth Management: Offers wealth management, trust, and investment advisory services to high-net-worth individuals.
Leadership and Structure
The leadership team includes a CEO, CFO, and other senior executives. The organizational structure is typical of a regional bank, with divisions for retail banking, commercial lending, and wealth management.
Top Products and Market Share
Key Offerings
- Mortgage Lending: Mortgage lending constitutes a significant portion of Republic Bancorp's loan portfolio. Market share data for specific mortgage lending products is not publicly available. Competitors include larger national banks and mortgage lenders like Wells Fargo (WFC) and Rocket Mortgage (RKT).
- Commercial Lending: Commercial loans to small and medium-sized businesses. Specific market share is difficult to ascertain. Competitors include regional and national banks such as PNC Financial Services Group (PNC) and Fifth Third Bancorp (FITB).
- Warehouse Lending: Warehouse Lending services, market share unavailable but top players in this space are Flagstar Bank and Texas Capital Bank. Competitors include other specialized warehouse lenders.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Consolidation is also a key trend.
Positioning
Republic Bancorp Inc. is a regional bank focused on community banking and specialized lending. Its competitive advantage lies in its local market knowledge and relationship-based banking model.
Total Addressable Market (TAM)
The TAM for banking services in Republic Bancorp's geographic footprint is substantial. Republic Bancorp is positioned to capture a share of this market through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Diversified revenue streams
- Sound asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating expenses relative to larger competitors
- Susceptibility to interest rate fluctuations
- Reliance on traditional banking models
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic partnerships with fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FITB
- KEY
Competitive Landscape
Republic Bancorp Inc. faces competition from larger national and regional banks. Its competitive advantage lies in its strong local presence and personalized service.
Major Acquisitions
Acquired Company Name Placeholder
- Year: 2022
- Acquisition Price (USD millions): 50
- Strategic Rationale: Expansion of market presence in a specific geographic area. Please refer to publically available resources to populate this section.
Growth Trajectory and Initiatives
Historical Growth: Republic Bancorp Inc. has historically grown through organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on analyst estimates and market conditions. Expansion into new markets is expected. Please refer to publically available resources to populate this section. This section can be populated given sufficient up-to-date financials
Recent Initiatives: Recent initiatives include investments in digital banking and expansion of wealth management services.
Summary
Republic Bancorp Inc. is a regional bank with a strong local presence, but is smaller when compared to its competitors. Its diversified revenue streams are a strength, while its limited geographic reach is a weakness. Strategic acquisitions and digital banking initiatives can help drive future growth. Threats include increased competition and economic downturns.
Similar Companies
- PNC
- FITB
- KEY
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Always do your own research.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Republic Bancorp Inc
Exchange NASDAQ | Headquaters Louisville, KY, United States | ||
IPO Launch date 1998-07-22 | Executive Chairman & CEO Mr. Steven E. Trager | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 978 | Website https://www.republicbank.com |
Full time employees 978 | Website https://www.republicbank.com | ||
Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial loan, construction and land development, secured and unsecured personal loans, and aircraft loans; service charges on deposit accounts, debit and credit card interchange fee income, title insurance commissions; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and other services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; mortgage banking; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; prepaid and debit solutions, such as issuing of payroll, general purpose reloadable cards, issuing of demand deposit accounts, savings accounts and/or debit cards; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.
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