Republic Bancorp, Inc. (Kentucky) (RBCAA) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Republic Bancorp, Inc. (Kentucky)

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Lakeland Bancorp, Inc.

PacWest Bancorp

Why is Republic Bancorp, Inc. (Kentucky) ?

High Profitability with a Net Interest Margin of 5.92%

The Bank has a high Capital Adequacy Ratio of 16.51% signifying high buffers against its risk based assets

The company declared positive results in Mar'25 after negative results in Dec'24

ROCE(HY) Highest at 1.89%
DIVIDEND PER SHARE(HY) Highest at USD 0
CREDIT DEPOSIT RATIO(HY) Highest at 104.67%

With ROA of 1.53%, it has a fair valuation with a 1.12 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 4.70%, its profits have risen by 24.9% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 30.51%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.76% over the previous quarter.

Underperformed the market in the last 1 year

The stock has generated a return of 4.70% in the last 1 year, much lower than market (S&P 500) returns of 17.45%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Republic Bancorp, Inc. (Kentucky) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Republic Bancorp, Inc. (Kentucky) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Republic Bancorp, Inc. (Kentucky)

3.18%

1.44

26.53%

S&P 500

17.78%

0.90

19.38%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.69%

EBIT Growth (5y)

6.06%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.90%

Pledged Shares

Institutional Holding

30.51%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.12

EV to EBIT

7.38

EV to EBITDA

6.92

EV to Capital Employed

1.13

EV to Sales

2.54

PEG Ratio

0.39

Dividend Yield

ROCE (Latest)

15.35%

ROE (Latest)

11.76%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

ROCE(HY)

Highest at 1.89%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 104.67%

-9What is not working for the Company

ROCE(HY)

Lowest at 1.89%

PRE-TAX PROFIT(Q)

At USD 27.59 MM has Fallen at -31.51%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

NET PROFIT(Q)

At USD 22.82 MM has Fallen at -28.41%

EPS(Q)

Lowest at USD 0

Here's what is working for Republic Bancorp, Inc. (Kentucky)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 104.67%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Republic Bancorp, Inc. (Kentucky)

Pre-Tax Profit

At USD 27.59 MM has Fallen at -31.51%

over average net sales of the previous four periods of USD 40.29 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Non Performing Loans (%)

Highest at 0.44%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Profit

At USD 22.82 MM has Fallen at -28.41%

over average net sales of the previous four periods of USD 31.88 MM

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Dividend Payout Ratio

Lowest at 0%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)