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

Berkshire Hills Bancorp, Inc.

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Byline Bancorp, Inc.

Bank First Corp.

Republic Bancorp, Inc. (Kentucky)

Peoples Bancorp, Inc. (Ohio)

Origin Bancorp, Inc.

Southside Bancshares, Inc.

Lakeland Bancorp, Inc.

PacWest Bancorp

Why is Republic Bancorp, Inc. (Kentucky) ?

High Profitability with a Net Interest Margin of 5.95%

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

Positive results in Mar 26

DIVIDEND PER SHARE(HY) Highest at USD 0
OPERATING PROFIT(Q) Highest at USD 57.7 MM
OPERATING PROFIT MARGIN(Q) Highest at 50.71 %

With ROA of 1.11%, it has a fair valuation with a 1.10 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 23.74%, its profits have risen by 29.5% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 30.51%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating performance in long term as well as near term

Along with generating 23.74% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Republic Bancorp, Inc. (Kentucky)

23.74%

2.73

26.69%

S&P 500

22.99%

1.78

12.93%

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)

5.83%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.71%

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

1.10

EV to EBIT

8.95

EV to EBITDA

8.26

EV to Capital Employed

1.08

EV to Sales

3.12

PEG Ratio

0.32

Dividend Yield

ROCE (Latest)

12.11%

ROE (Latest)

11.91%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

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

5What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT(Q)

Highest at USD 57.7 MM

OPERATING PROFIT MARGIN(Q)

Highest at 50.71 %

PRE-TAX PROFIT(Q)

At USD 57.7 MM has Grown at 39.28%

-2What is not working for the Company

GROSS NPA (%)

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)

Operating Profit

Highest at USD 57.7 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 50.71 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

At USD 57.7 MM has Grown at 39.28%

over average net sales of the previous four periods of USD 41.43 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

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

Non Performing Loans (%)

Highest at 0.59%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)