Lumida
/RBCAA
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Republic Bancorp Inc

Republic Bancorp Inc

RBCAA
$96.27USD-1.00%-0.97 today

MARKET CAP

1.7B

P/E (TTM)

15.0x

FWD P/E

15.0x

DAY RANGE

$96 – $99

52W RANGE

$64
$102

AI Summary

Stalk
TrimMedium

We maintain a medium-term bearish stance in response to the post-parabola collapse and price below the short-term EMAs, with no clear exhaustion and support at the 50 SMA. The long-term uptrend remains intact above the 200 DMA. We will wait for a failed bounce into the 9/20 EMA region before initiating further selling.

  • Q2 EPS $1.68 vs est. $1.55; revenue $101.27M vs est. $97.60M
  • Net interest income rose to $81.7M from $76.2M YoY, easing funding costs
  • Net income marginally rose to $32.9M YoY; negative growth trend persists
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$315.0M$334.0M$427.5M$505.6M$521.3M
YoY %-7.2%+6.0%+28.0%+18.3%+3.1%
P / Sales3.3x2.4x2.5x2.7x2.6x
EV / Sales17.6x16.4x15.1x13.4x13.6x
Gross Profit, Adj.$309.3M$326.5M$360.2M$384.8M$417.5M
YoY %-3.1%+5.6%+10.3%+6.8%+8.5%
Margin %98.2%97.8%84.3%76.1%80.1%
EV / Gross Profit17.9x16.8x17.9x17.6x16.9x
EBITDA, Adj.$111.4M$116.8M$115.4M$127.7M$165.7M
YoY %+6.4%+4.8%-1.3%+10.7%+29.7%
Margin %35.4%35.0%27.0%25.3%31.8%
EV / EBITDA49.7x46.9x55.8x53.1x42.7x
EBIT$111.4M$116.8M$113.2M$127.7M$165.7M
YoY %+8.6%+4.8%-3.1%+12.8%+29.8%
Margin %35.4%35.0%26.5%25.3%31.8%
EV / EBIT49.7x46.9x56.9x53.1x42.7x
Net Income$87.6M$91.1M$90.4M$101.4M$131.3M
YoY %+5.2%+4.0%-0.8%+12.2%+29.5%
Net Margin27.8%27.3%21.1%20.0%25.2%
EPS (GAAP)$4.28$4.59$4.62$5.21$6.72
YoY %+7.3%+7.2%+0.7%+12.8%+29.0%