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Republic Bancorp, Inc. (Kentucky)

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: US7602812049
USD
68.95
0.74 (1.08%)

Dec 04

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
German American Bancorp, Inc.
Peoples Bancorp, Inc. (Ohio)
Bank First Corp.
Dime Community Bancshares, Inc.
Byline Bancorp, Inc.
Republic Bancorp, Inc. (Kentucky)
Southside Bancshares, Inc.
Lakeland Bancorp, Inc.
Berkshire Hills Bancorp, Inc.
Origin Bancorp, Inc.
PacWest Bancorp
Why is Republic Bancorp, Inc. (Kentucky) ?
1
High Profitability with a Net Interest Margin of 5.55%
2
The Bank has a high Capital Adequacy Ratio of 16.51% signifying high buffers against its risk based assets
3
The company declared positive results in Mar'25 after negative results in Dec'24
  • OPERATING CASH FLOW(Y) Highest at USD 176.43 MM
  • ROCE(HY) Highest at 1.83%
  • DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 1.03%, it has a very attractive valuation with a 1.18 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 -11.31%, its profits have risen by 26.9% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 29.64%
  • These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
  • Along with generating -11.31% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
stock-recommendationReal-Time Research Report
Verdict Report
How much should you hold?
  1. Overall Portfolio exposure to Republic Bancorp, Inc. (Kentucky) should be less than 10%
  2. 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)
-8.89%
1.45
26.56%
S&P 500
13.22%
0.61
20.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
10.03%
EBIT Growth (5y)
7.10%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
31.42%
Pledged Shares
0
Institutional Holding
29.64%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.18
EV to EBIT
5.60
EV to EBITDA
5.11
EV to Capital Employed
1.33
EV to Sales
1.76
PEG Ratio
0.39
Dividend Yield
NA
ROCE (Latest)
23.77%
ROE (Latest)
11.41%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

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

7What is working for the Company
OPERATING CASH FLOW(Y)

Highest at USD 176.43 MM

ROCE(HY)

Highest at 1.83%

DIVIDEND PER SHARE(HY)

Highest at USD 0

DIVIDEND PAYOUT RATIO(Y)

Highest at 56.12%

-3What is not working for the Company
ROCE(HY)

Lowest at 1.83%

CREDIT DEPOSIT RATIO(HY)

Lowest at 101.05%

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 Cash Flow
Highest at USD 176.43 MM
in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Dividend Payout Ratio
Highest at 56.12%
in the last five years
MOJO Watch
Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA
Highest at 16.63%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Republic Bancorp, Inc. (Kentucky)
Credit Deposit Ratio
Lowest at 101.05%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

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