REPUBLIC BANCORP INC CLASS A (RBCAA)
Financials · Regional bank holding company (community banking + specialized lending) · NASDAQ
A Kentucky-based community bank with $7 billion in assets balancing traditional retail and commercial lending with high-growth tax refund financial services and mortgage warehouse lending operations.
What REPUBLIC BANCORP INC CLASS A does
Republic Bancorp is a Kentucky-based financial holding company headquartered in Louisville operating as the second-largest Kentucky FHC by assets. Through its subsidiary Republic Bank & Trust Company, it provides traditional banking services (deposits, loans, investment securities) across its regional footprint and operates four specialized non-traditional business segments: Warehouse Lending (mortgage warehouse lines), Tax Refund Solutions (ERAs, RAs, RTs), Republic Payment Solutions (payment processing), and Republic Credit Solutions (credit participation products). The company operates 47 banking centers across Kentucky, Indiana, Ohio, Florida, and Tennessee.
Themes: ["Regional community banking / Kentucky FHC","Tax refund financial services","Mortgage warehouse lending","Payment processing / merchant services","Credit participation and specialty lending","Commercial and real estate lending"]
Fundamentals
- Price$88.50 as of 2026-07-09 close
- Market cap$1.5B as of 2026-07-10
- 1-year return+16.1% as of 2026-07-09 close
- P/E12.21 as of 2026-07-10
- Net margin+25.4% as of 2026-07-10
- ROE+11.6% as of 2026-07-10
- Debt / equity0.07 as of 2026-07-10
- Revenue growth (YoY)+44.9% as of 2026-07-10
- Revenue CAGR (3y)+8.5% SEC XBRL
- Beta0.58 as of 2026-07-10
Dividend: yield +2.3%; pays a dividend.
Key risks (from latest filing)
["Seasonal concentration in tax refund business (TRS segment depends on December–February tax seasons; revenue growth of 45% YoY suggests strong seasonal volatility)","Geographic concentration in Kentucky, Indiana, Ohio, Florida, and Tennessee limits diversification and exposes the bank to regional economic downturns","Mortgage warehouse lending segment exposure to interest rate volatility and mortgage origination volume fluctuations affecting demand for warehouse lines"]
Competitors & peers
- PNC Financial Services Group
- Fifth Third Bancorp
- Regions Financial Corporation
- Cullen/Frost Bankers
- BancorpSouth
- CNB Financial Group
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.