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RBCAA

Republic BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Second-quarter net income rose 4% year over year to $32.9 million, while Core Bank net interest income rose 7%; the new payment program could improve lower-cost funding if management's deposit expectation is realized. [#SEC-8K-2026-07-24] SEC exhibit
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.2.
What can break
Second-quarter loan growth and margin expansion may not persist if funding costs, loan pricing or credit quality worsen. [#SEC-8K-2026-07-24]
Momentum
59
Value
58
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $97.00 · Bull $105.00 · Bear $80.00Analysis 2026-10-21; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $95.00
Why
Momentum59 · Δ7d -5.9
Value58 · Δ7d +0.2
Sentiment58 · Δ7d -1.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.2.

Contradictions & invalidation

  • • Second-quarter loan growth and margin expansion may not persist if funding costs, loan pricing or credit quality worsen. [#SEC-8K-2026-07-24]
  • • The October 16 earnings date was an estimated calendar date; a third-quarter release, guidance change and earnings surprise were not verified.
  • • The scheduled October 16 follow-up has no verified third-quarter company release behind it.

Catalyst clock

2026-11-09

Confirm whether third-quarter results have been released

Lead driver: Value · See fundamentals
Momentum
59
8% active weight
Current posture
7d trendSoftening
Δ7d
-5.9
Δ21d
-13.0
Value
58
47% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+0.8
Sentiment
58
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.7
Δ21d
-2.5
Why this grade

Composite grade B. Momentum 58.8 / Value 58.0 / Sentiment 58.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-21. Scenario method

B+
Bull case
25%
Probability
Target price
$105.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$97.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$80.00
Analysis reference price unavailable
Analysis 2026-10-21 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$1.61B
Beta
0.61
Shares Out
19.44M
P/E (TTM)
10.7
P/S (TTM)
3.25
P/FCF (TTM)
11.54
Rev YoY
+2.0%
EPS YoY
+4.0%
Gross Margin
-
Op Margin
+32.8%
Net Debt
$406.9M
Current Ratio
0.09
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data