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Market Price

45.48 

0.29 0.6%

as of Apr 09 '21

52 Week Range:

27.22 47.47


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Republic Bancorp, Inc., a financial holding company, provides banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, savings, time, and brokered and other certificates of deposits; and money market and individual retirement accounts. Its loan products include single family, first lien residential real estate, and adjustable rate mortgage loans; commercial and industrial, commercial real estate, construction and development, and multi-family loans, as well as equipment financing; construction and land development loans; Internet and correspondent lending; home improvement and home equity, and secured and unsecured personal loans; and dealer floor plan, consumer indirect automobile, and consumer aircraft loans. The company also offers credit cards; title insurance and other financial products and services; and memory banking, 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 provides short-term and revolving credit facilities to mortgage bankers; 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; and general purpose reloadable prepaid cards through third party program managers. Further, the company offers consumer credit products; and property and casualty insurance services. As of March 5, 2018, it operated 45 banking centers, including 33 banking centers in 12 Kentucky communities, 3 in southern Indiana, 6 in Florida, 2 in Tennessee, and 1 in Ohio, as well as 1 loan production office in Tennessee. Republic Bancorp, Inc. was founded in 1974 and is headquartered in Louisville, Kentucky.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 17.74
21.62
25.60
26.22
26.73
27.50
28.79
30.38
32.40
39.73
38.78
growth rate 21.9% 18.4% 2.4% 2.0% 2.9% 4.7% 5.5% 6.7% 22.6% -2.4%
Earnings BIT 98.43
144.20
183.95
40.50
60.01
67.33
80.84
88.84
237.95
258.44
260.15
growth rate 46.5% 27.6% -78.0% 48.2% 12.2% 20.1% 9.9% 167.8% 8.6% 0.7%
Avg.PE 7.69
5.11
3.72
20.16
17.80
15.06
15.75
17.57
17.64
17.64
17.64
growth rate -33.6% -27.2% 441.9% -11.7% -15.4% 4.6% 11.6% 0.4% 0.0% 0.0%
ROA 1.72
2.67
3.50
0.75
0.81
0.88
1.01
0.92
1.51
1.69
1.41
growth rate 55.2% 31.1% -78.6% 8.0% 8.6% 14.8% -8.9% 64.1% 11.9% -16.6%
ROE 18.84
22.86
24.13
4.71
5.23
6.20
7.77
7.38
11.77
12.61
10.49
growth rate 21.3% 5.6% -80.5% 11.0% 18.6% 25.3% -5.0% 59.5% 7.1% -16.8%
ROIC 9.01
9.47
10.53
3.36
3.33
growth rate 5.1% 11.2% -68.1% -0.9%
Leverage 9.75
7.56
6.32
6.21
6.71
7.34
7.97
8.04
7.60
7.35
7.49
growth rate -22.5% -16.4% -1.7% 8.1% 9.4% 8.6% 0.9% -5.5% -3.3% 1.9%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Payable 2,058.18
2,487.48
3,160.69
3,433.16
3,456.15
3,786.01
4,733.18
growth rate 20.9% 27.1% 8.6% 0.7% 9.5% 25.0%
Cur.Assets 100.88
225.44
319.14
332.18
354.28
388.49
488.67
growth rate 123.5% 41.6% 4.1% 6.7% 9.7% 25.8%
Total Assets 3,622.70
3,419.99
3,394.40
3,371.90
3,747.01
4,230.29
4,816.31
5,085.36
5,240.40
5,620.32
6,168.33
growth rate -5.6% -0.8% -0.7% 11.1% 12.9% 13.9% 5.6% 3.1% 7.3% 9.8%
Cash 786.40
1,062.97
650.32
682.74
71.88
208.08
287.31
296.35
348.47
382.30
482.59
growth rate 35.2% -38.8% 5.0% -89.5% 189.5% 38.1% 3.2% 17.6% 9.7% 26.2%
Inventory 11.24
1.22
1.39
0.12
0.16
0.11
2.50
growth rate -89.2% 14.0% -91.7% 39.1% -29.4% 2,111.5%
Cur.Liabilities 2,613.59
3,034.76
3,620.11
3,968.29
120.00
30.00
10.00
growth rate 16.1% 19.3% 9.6% -97.0% -75.0% -66.7%
Liabilities 3,251.30
2,967.62
2,857.70
2,829.11
3,188.28
3,653.74
4,211.90
4,452.94
4,550.47
4,856.08
5,345.00
growth rate -8.7% -3.7% -1.0% 12.7% 14.6% 15.3% 5.7% 2.2% 6.7% 10.1%
LT Debt 2,010.00
2,011.00
2,012.00
2,013.00
551.23
590.74
559.13
448.83
341.24
591.24
41.24
growth rate 0.1% 0.1% 0.1% -72.6% 7.2% -5.4% -19.7% -24.0% 73.3% -93.0%
Equity 371.40
452.37
536.70
542.79
558.73
576.55
604.41
632.42
689.93
764.24
823.32
growth rate 21.8% 18.6% 1.1% 2.9% 3.2% 4.8% 4.6% 9.1% 10.8% 7.7%
Common Shares 21.00
21.00
21.00
21.00
21.00
21.00
21.00
21.00
20.89
18.74
20.90
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -0.5% -10.3% 11.5%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 4.30
3.73
3.89
5.02
7.76
5.32
7.03
12.38
9.82
12.88
3.58
growth rate -13.3% 4.3% 29.2% 54.5% -31.5% 32.2% 76.1% -20.7% 31.2% -72.2%
Cash Dividends 11.40
12.32
36.12
14.01
14.93
15.84
16.77
17.66
-19.50
-21.38
-23.20
growth rate 8.0% 193.3% -61.2% 6.6% 6.1% 5.9% 5.3% -100.0% 0.0% 0.0%
Cash From OA 89.20
123.60
86.28
22.26
26.71
50.05
47.67
77.78
119.21
97.25
68.43
growth rate 38.6% -30.2% -74.2% 20.0% 87.4% -4.7% 63.2% 53.3% -18.4% -29.6%
FCF per Share 4.05
5.77
4.09
0.30
1.17
1.40
2.13
3.14
4.04
3.93
4.40
growth rate 42.5% -29.1% -92.7% 290.0% 19.7% 52.1% 47.4% 28.7% -2.7% 12.0%
Sale Purchase of Stock -0.05
-1.52
-3.63
1.10
1.14
0.08
0.07
growth rate 0.0% 0.0% 100.0% 3.0% -93.0% -15.0%
FCF 85.00
120.00
86.00
20.00
19.00
45.00
41.00
65.00
110.00
84.00
65.00
growth rate 41.2% -28.3% -76.7% -5.0% 136.8% -8.9% 58.5% 69.2% -23.6% -22.6%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 244.50
314.74
346.92
180.80
152.43
166.44
198.88
228.06
289.48
311.13
319.37
growth rate 28.7% 10.2% -47.9% -15.7% 9.2% 19.5% 14.7% 26.9% 7.5% 2.7%
Op.Income 98.40
94.15
119.34
25.42
47.20
56.06
72.09
80.15
237.95
258.44
260.15
growth rate -4.3% 26.8% -78.7% 85.7% 18.8% 28.6% 11.2% 196.9% 8.6% 0.7%
IBT 98.43
144.20
183.95
40.50
44.32
53.24
68.96
78.39
94.26
113.19
102.63
growth rate 46.5% 27.6% -78.0% 9.4% 20.2% 29.5% 13.7% 20.3% 20.1% -9.3%
Net Income 64.80
94.15
119.34
25.42
28.79
35.17
45.90
45.63
77.85
91.70
83.25
growth rate 45.3% 26.8% -78.7% 13.2% 22.2% 30.5% -0.6% 70.6% 17.8% -9.2%
EPS 3.10
4.49
5.69
1.22
1.38
1.70
2.22
2.20
3.74
4.39
3.99
growth rate 44.8% 26.7% -78.6% 13.1% 23.2% 30.6% -0.9% 70.0% 17.4% -9.1%
Gross Profit 152.43
166.44
198.88
228.06
288.05
309.31
315.61
growth rate 9.2% 19.5% 14.7% 26.3% 7.4% 2.0%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 60.28
89.53
56.55
57.93
56.15
growth rate 48.5% -36.8% 2.5% -3.1%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Payable 3,786.01
4,071.46
5,018.09
4,992.33
4,733.18
growth rate 7.5% 23.3% -0.5% -5.2%
Cur.Assets 388.49
319.07
563.21
345.10
488.67
growth rate -17.9% 76.5% -38.7% 41.6%
Total Assets 5,620.32
5,722.03
6,460.58
6,240.45
6,168.33
growth rate 1.8% 12.9% -3.4% -1.2%
Cash 382.30
316.26
560.20
342.03
482.59
growth rate -17.3% 77.1% -38.9% 41.1%
Inventory 0.11
0.09
2.19
2.06
2.50
growth rate -24.8% 2,481.2% -6.3% 21.6%
Cur.Liabilities 30.00
30.00
30.00
30.00
10.00
growth rate 0.0% 0.0% 0.0% -66.7%
Liabilities 4,856.08
4,937.99
5,664.96
5,430.08
5,345.00
growth rate 1.7% 14.7% -4.2% -1.6%
LT Debt 111.24
111.24
111.24
111.24
41.24
growth rate 0.0% 0.0% 0.0% -62.9%
Equity 764.24
784.05
795.62
810.36
823.32
growth rate 2.6% 1.5% 1.9% 1.6%
Common Shares 21.13
18.69
20.91
20.92
20.90
growth rate -11.6% 11.9% 0.0% -0.1%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 3.78
1.11
1.03
0.57
0.87
growth rate -70.7% -7.1% -44.5% 52.3%
Cash Dividends -5.46
-5.46
-5.92
-5.91
-5.91
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 37.32
28.18
13.19
20.67
6.39
growth rate -24.5% -53.2% 56.7% -69.1%
Sale Purchase of Stock
growth rate
FCF 33.54
27.07
12.16
20.10
5.52
growth rate -19.3% -55.1% 65.2% -72.5%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 74.05
103.31
70.96
72.85
72.26
growth rate 39.5% -31.3% 2.7% -0.8%
Op.Income 60.28
89.53
56.55
57.93
56.15
growth rate 48.5% -36.8% 2.5% -3.1%
IBT 32.30
33.58
19.60
25.83
23.63
growth rate 4.0% -41.6% 31.8% -8.5%
Net Income 25.77
26.70
15.80
20.39
20.36
growth rate 3.6% -40.8% 29.0% -0.2%
EPS
growth rate
Gross Profit 73.50
102.72
69.95
71.74
71.20
growth rate 39.8% -31.9% 2.6% -0.8%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (38.22)

YOY Growth Grade:

D (37.72)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 17.64 16.31 13.82
EPS / Growth 18.2% 2.79 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 7.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 7.5% 11.9% 11.9%
Future PE 13.82 18.41 18.41
Future EPS 5.75 8.57 8.57
Value Price
MOS %
19.63
-56.8%
39.02
-14.2%
39.02
-14.2%
MOS Price 9.81 19.51 19.51
IRT 10.50 8.95 8.95

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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