Republic Bancorp has followed the market’s trajectory closely, rising in tandem with the S&P 500 over the past six months. The stock has climbed by 9.4% to $75.48 per share while the index has gained 5.6%.

Is now a good time to buy RBCAA? Find out in our full research report, it’s free.

Why Does Republic Bancorp Spark Debate?

With roots dating back to 1974 and operating across multiple states including Kentucky, Indiana, Florida, Ohio, and Tennessee, Republic Bancorp (NASDAQGS:RBCA.A) is a Kentucky-based financial holding company that operates a bank offering traditional banking, mortgage services, and specialized financial products.

Two Positive Attributes:

1. Skyrocketing Revenue Shows Strong Momentum

Long-term growth is the most important, but within financials, a stretched historical view may miss recent interest rate changes and market returns. Republic Bancorp’s annualized revenue growth of 10.3% over the last two years is above its four-year trend, suggesting its demand recently accelerated. Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.

2. Outstanding Long-Term EPS Growth

We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable.

Republic Bancorp’s full-year EPS grew at a spectacular 9.7% compounded annual growth rate over the last five years, better than the broader bank sector.

One Reason to be Careful:

Net Interest Income Points to Soft Demand

While banks generate revenue from multiple sources, investors view net interest income as the cornerstone - its predictable, recurring characteristics stand in sharp contrast to the volatility of non-interest income.

Republic Bancorp’s net interest income has grown at a 6.4% annualized rate over the last four years, slightly worse than the broader bank industry. Its growth was driven by both an increase in its outstanding loans and net interest margin, which represents how much a bank earns in relation to its outstanding loan book.

Final Judgment

Republic Bancorp has huge potential even though it has some open questions, but at $75.48 per share (or 1.4× forward P/B), is now the right time to buy the stock? See for yourself in our full research report, it’s free.

Stocks We Like Even More Than Republic Bancorp

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