RBCAA

Republic BancorpB

Nasdaq / Banks

At close

2026-07-21

Current thesis

Core banking and warehouse lending showed strong underlying performance in Q1, with net interest income growth and resilient margins offsetting tax-solutions headwinds. Successful capital redeployment could support earnings and returns.

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.3.

What can break

An EVP and Chief Lending Officer reported a 3,000-share open-market sale on June 10 [#SEC-FORM4-2026-06-12].

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $86.00 · Bull $101.00 · Bear $72.00

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-20 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $80.00

Why

Momentum67 · Δ7d -8.6

Value59 · Δ7d -0.3

Sentiment49 · Δ7d +9.3

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-8.6

Δ21d

-2.8

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.3

Δ21d

-0.1

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+9.3

Δ21d

+9.6

Why this grade

Composite grade B. Momentum 67.2 / Value 59.1 / Sentiment 48.6

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$1.6B

Beta

0.61

Shares Out

19.42M

P/E (TTM)

10.7

P/S (TTM)

3.25

P/FCF (TTM)

11.54

Rev YoY

-12.0%

EPS YoY

-10.1%

Gross Margin

Op Margin

+39.0%

Net Debt

$406.9M

Current Ratio

0.13

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology