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Republic Bancorp

RBCAA
71
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
71
Winston is happy
A high-quality business with solid fundamentals.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Exceptional
Growth
Mixed
Capital Strength
Exceptional
Asset Quality
Strong
Valuation
Good
Dividends
Mixed
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Winston Score History

The full picture

Republic Bancorp is a regional bank holding company based in Louisville, Kentucky. It offers everyday banking services like checking accounts, savings accounts, and loans to individuals and small businesses. The company is best known for its Tax Refund Solutions business, which processes tax refund advance loans for tax preparers across the United States.

Republic Bancorp makes money primarily through interest income on loans and fees from its banking and tax services. It operates mainly in Kentucky, Florida, Tennessee, Indiana, Ohio, and a handful of other states, with roughly $7 billion in total assets. The Tax Refund Solutions segment gives the company a somewhat unique niche compared to typical community banks, but that business is seasonal and concentrated among a small number of tax preparation partners, which creates meaningful revenue concentration risk if those relationships change.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+17.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-232.7% YoY

YoY Growth Rate

Earnings declining

Insider Activity

48.9%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$6.8B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Republic Bancorp is a rare growth stock that's already generating positive cash flow while growing at 18%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money
Return on Equity
16.3%
no trend
Exceptional — 16.3% return on equity

15-25% on shareholder equity is strong — clearly beating cost of capital.

Profit on lending
Net Interest Margin
5.48%
no trend
Wide spread — 5.48% net interest margin
Cost of running the bank
Efficiency Ratio
45.6%
no trend
Very lean — spends 45.6¢ to earn a dollar

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Growth

Sales growth
Sales YoY
+0.6%
Nearly flat sales (+0.6% YoY)
Profit growth
EPS YoY
-57.9%
Earnings shrinking (-57.9% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion
Capital Ratio
16.4%
no trend
Fortress balance sheet — 16.4% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.59%
no trend
Clean loan book — 0.59% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.24%
no trend
Minimal losses — 0.24% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
14.5x
no trend
Attractive valuation — P/E 14.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+0.5
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
1.90%
no trend
Small dividend — 1.90% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+10.0%
no trend
Dividend growing modestly (10.0% YoY)

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