Republic Bancorp, Inc.
NASDAQ•RBCAA
CEO: Mr. Steven E. Trager
板块: Financial Services
行业: Banks - Regional
上市日期: 1998-07-22
Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in six segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit; and retail and commercial mortgage, construction and land development, consumer, aircraft, and marine loans. It also provides credit cards; title insurance and other financial products and services; and private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it offers short-term and revolving credit facilities to mortgage bankers through mortgage warehouse lines of credit; mortgage banking; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; payments-related products and services to consumers through third party service providers; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.
联系方式
市值
$1.24B
市盈率 (TTM)
10.7
14.6
股息率
2.6%
52周最高
$78.25
52周最低
$56.79
52周范围
排名32Top 23.6%
4.9
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
一般 • 4.9 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025
财务仪表盘
Q4 2025 数据
营业收入
$118.69M-100.00%
近4季度走势
每股收益
$1.16+9.28%
近4季度走势
自由现金流
$33.57M+0.00%
近4季度走势
2025 Annual 财报亮点
核心亮点
Strong Profit Growth Reported Total Net Income increased 30% to $131.3M in 2025; Diluted EPS grew 29% to $6.72 per Class A share.
NIM Expansion Driven by Costs Total Net Interest Margin expanded to 5.05% from 4.85% in 2024, primarily due to lower interest-bearing deposit costs.
Reduced Credit Provisioning Total Provision for Credit Losses significantly decreased to a net charge of $31.6M in 2025, down from $54.4M in 2024.
Core Bank Deposit Growth Core Bank deposits increased 4% to $4.81B by year-end 2025, driven by growth in interest-bearing balances.
关注风险
Major TRS Contract Expiration Largest Tax Provider contract expired October 2025; management does not expect replacement revenue for the 2026 Tax Season.
High Uninsured Deposit Ratio 41% of total deposits, approximately $2.2B, were uninsured as of December 31, 2025, posing potential liquidity risk.
Interest Rate Sensitivity Profile Asset-sensitive profile means falling interest rates negatively impact NII; deposit betas are assumed less favorable going forward.
High RCS Segment Credit Risk RCS segment loans carry higher credit risk; LOC II portfolio maintains a high ACLL coverage ratio of 70.63%.
前瞻展望
Uncertainty in TRS Revenue Management does not believe the net revenue lost from the expired TRS Tax Provider contract will be replaced during 2026.
Stable Traditional Banking NIM Traditional Banking NIM is expected to remain near current levels, dependent on stable funding costs and loan yields.
Continued Digital Investment Company expects strong competition from FinTechs, necessitating continued investment in digital capabilities and operational infrastructure.
Loan Portfolio Reclassification Sale of St. Louis-based RBF operations finalized in Q1 2026, resulting in a $6M gain, impacting future period comparability.
同行对比
营业收入 (TTM)
$1.39B
$676.39M
$629.49M
毛利率 (最新季度)
94.8%
73.2%
73.2%
关键指标
股票代码 | 市值 | 市盈率 (TTM) | 净资产收益率 (TTM) | 负债率 |
|---|---|---|---|---|
| WAFD | $2.42B | 10.0 | 8.0% | 9.1% |
| STBA | $1.62B | 12.2 | 9.3% | 3.1% |
| BFC | $1.53B | 18.7 | 11.3% | 2.7% |
长期趋势
近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
-9.7%
增长承压
4季度净利润复合增长率
-21.6%
盈利能力下滑
现金流稳定性
100%
现金流表现优异
深度研究
下次财报:2026年4月16日
每股收益:$1.88
|营业收入:$114.55M
财务数据
电话会议
财务报告
新闻
利润表
资产负债表
现金流量表
财务比率
变化率
利润表 | 过去12个月 |
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无数据