profit from every $100 of sales.
$0$100
Republic Bancorp
$91.25+0.02% today
+36.3% in 1 year
1-year low $64.961-year high $100.64
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $13.63 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Republic Bancorp sold, what it kept, and what it did with the cash.
Sales went from $309 million in 2022 to $411 million in 2025, with $131 million of profit last year.
SalesProfit
Republic Bancorp handed back 21% of the cash it generated last year.
$34M
Free cash flow 2025$161M
Bought back its own shares$72,000
Paid as dividends$34M
Cash vs. debt$220M vs. $538M
Republic Bancorp vs. similar companies
Republic Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Republic Bancorp | 13.6× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Republic Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 309 | 354 | 379 | 411 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 91 | 90 | 101 | 131 | |
| 4.59 | 4.62 | 5.21 | 6.72 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.5% | 25.5% | 26.7% | 31.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 5,836 | 6,595 | 6,847 | 7,042 |
| Cash | 314 | 317 | 432 | 220 |
| Total debt | 133 | 416 | 432 | 538 |
| Total liabilities | 4,979 | 5,682 | 5,855 | 5,940 |
| 857 | 913 | 992 | 1,102 | |
| 20 | 20 | 20 | 20 | |
| – | – | – | – | |
| 10.6% | 9.9% | 10.2% | 11.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 155 | 109 | 149 | 168 | |
| 4 | 7 | 6 | 7 | |
| 151 | 102 | 143 | 161 | |
| Dividends paid | 26 | 28 | 31 | 34 |
| 13 | 20 | 0 | 0 | |
| 3 | 3 | 3 | 3 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.6×
- 13.4×
- 1.01
- 1.4×
- 4.4×
- 7.3%
- 2.3%
Profitability
- 31.9%
- 1.7%
- 7.1%
- 11.6%
- 1.7%
Growth
- +10.0%
- +13.5%
- +9.5%
- −0.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 33%of 754
Top 30%of 605
Top 50%of 883
Top 48%of 880
Top 27%of 929
What analysts expect
- Average price target
- $51.00
- Range
- $51.00 – $51.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 2.04 | 1.84 | +10.9% |
| Jan 30, 2026 | 1.17 | 1.30 | −10.0% |
| Oct 17, 2025 | 1.52 | 1.41 | +7.8% |
| Jul 18, 2025 | 1.61 | 1.44 | +11.8% |
| Apr 24, 2025 | 2.42 | 1.86 | +30.1% |
| Mar 6, 2025 | 0.96 | – | – |
| Oct 18, 2024 | 1.37 | 1.21 | +13.2% |
| Jul 19, 2024 | 1.30 | 1.33 | −2.3% |
2.3%of the share price, paid each year
On $1,000 invested$23a year at today's yield, before tax
+9.5%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.78 in 2015 → $1.80 in 2025
How safe it looks
25.8% of its profit
Room to growStretchedMore than it earns: 21.0%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
74Pass
Benjamin Graham
83Pass
Philip Fisher
79Pass
Peter Lynch
66Pass
Joel Greenblatt
16No pass
Charlie Munger
67Pass
Terry Smith
67Pass
Questions about Republic Bancorp
Is Republic Bancorp a good stock to buy?
A strong, very profitable business, and the price looks low. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Republic Bancorp AI analysis
What does Republic Bancorp do?
Republic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. It is in Banks - Regional.
Does Republic Bancorp pay a dividend?
Yes. At today's price the dividend is 2.3% a year, about 26% of its yearly profit. In 2025 it paid out $33.9 million in dividends.
Is Republic Bancorp stock halal?
No. Republic Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Republic Bancorp stock done over the past year?
Up 36.3% over the past twelve months, to $91.25. It traded between $64.96 and $100.64 and is 9.3% below its high.
Who are Republic Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Republic Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.