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Louisville, Kentucky bank combining traditional banking with a large seasonal tax-refund and tax-solutions business.
Louisville, Kentucky bank combining traditional banking with a large seasonal tax-refund and tax-solutions business.
Makes money two ways: ordinary loan interest from its Kentucky and other branches, and a seasonal business that pays out tax refunds and advances small loans against them, so earnings bunch up early in the year. The Trager family controls the company through a separate class of shares.
Moat: narrow (scale, process know-how). Scale in tax-refund advance processing is a differentiated, high-volume seasonal business few banks run.
Headquarters: Louisville, Kentucky, US · Founded: 1974 · Employees: 973
Size Republic Bancorp (RBCAA) is a United States Financials company (Regional Banks) with a market value of $1.59B, the 1950th largest of 3,117 United States companies the cockpit tracks. Shares closed at $90.91 on 6 Nov 2026.
Performance Over six months the shares gained 17.5%, against +0.1% for the median peer and -1.1% for the United States market (cap-weighted) — 2nd highest of 21 in its peer set.
Growth Revenue fell 1.7% over the last twelve months (peer median +7.3%); the operating margin is 39.9% (peer median 33.8%).
Valuation It trades at 1.52× book value against a peer median of 0.92× (4th most expensive of 21).
Price implies The share price implies a return on equity of about 10.1%; Republic Bancorp delivers 11.5%, so the price asks less than the business earns today.
Short interest Short interest is 2.8% of the free float (15 Oct 2026).
Next results Next results expected around 22 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $511M | $521M | $505M | $427M | $323M |
| Revenue growth | — | +3% | +18% | +32% | — |
| Net income | $129M | $131M | $101M | $90.4M | $91.1M |
| Free cash flow | n/a | $161M | $143M | $102M | $151M |
| Capital expenditure | n/a | $7.10M | $5.81M | $6.90M | $3.50M |
| Total debt | $225M | $627M | $535M | $513M | $350M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Republic Bancorp RBCAA | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% |
| Stock Yards Bancorp SYBT | $2.46B | +10% | +10% | 32% | 2.17× | n/a |
| H&R Block HRB | $6.45B | +43% | +5% | 707% | 55.69× | 221.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | RBCAA | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -1.6% | -0.6% | 10th lowest of 21 |
| 6-month return | +17.5% | +0.1% | 2nd highest of 21 |
| Return on equity | 11.5% | 9.7% | 5th highest of 21 |
| Price / book | 1.52× | 0.92× | 4th most expensive of 21 |
| ROE the price implies | 10.1% | 6.5% | 8th most demanding of 21 |
| ROE delivered | 11.5% | 9.9% | 5th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Republic Bancorp RBCAA | United States | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% | 11.5% |
| Keiyo Bank 8544.T | Japan | $1.58B | -1% | +19% | 6% | 0.78× | 6.9% | 5.7% |
| Zhejiang Shaoxing Ruifeng Rural Commercial Bank 601528.SS | China | $1.60B | +4% | -8% | 10% | 0.51× | 3.4% | 9.9% |
| Live Oak Bancshares LOB | United States | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% | 11.1% |
| Jiangsu Zhangjiagang Rural Commercial Bank 002839.SZ | China | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% | 10.6% |
| National Bank NBHC | United States | $1.63B | -14% | +14% | 4% | 1.01× | 9.0% | 3.6% |
| Yibin City Commercial Bank 2596.HK | Hong Kong | $1.55B | +2% | +6% | 6% | 0.91× | 5.1% | 5.5% |
| ConnectOne Bancorp CNOB | United States | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% | 9.6% |
| Bank First BFC | United States | $1.64B | +1% | +33% | 12% | 1.98× | 10.9% | 11.9% |
| Origin Bancorp OBK | United States | $1.64B | +14% | +5% | 10% | 1.29× | 10.1% | 10.4% |
| K Bank 279570.KS | South Korea | $1.53B | -18% | 0% | 6% | 0.93× | 5.3% | n/a |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |
| Bank of Tianjin 1578.HK | Hong Kong | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% | 5.2% |
| Bank of Nagoya 8522.T | Japan | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% | 7.3% |
| TriCo Bancshares TCBK | United States | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% | 10.6% |
| Lakeland Financial LKFN | United States | $1.51B | -1% | +2% | 15% | 2.07× | 14.8% | 15.4% |
| Jiangsu Suzhou Rural Commercial Bank 603323.SS | China | $1.50B | -1% | -7% | 11% | 0.49× | 2.3% | 10.7% |
| Byline Bancorp BY | United States | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% | 12.3% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |
| Musashino Bank 8336.T | Japan | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% | 5.8% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |