Republic Bancorp Inc/KY (RBCAA)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$91.13-1.78%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · RBCAA
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 14.4% |
| Our one-year growth estimate | diamond | 6.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
RBCAA — earnings miss
Dated 2026-10-23
Results of Operations and Financial Condition. On October 23, 2026, Republic Bancorp, Inc. announced its results of operations for the quarter and nine months ended September 30, 2026. The public announcement was made by means of an earnings release, the text of which is set forth in Exhibit 99.1 hereto. A financial supplement to this earnings release is attached as Exhibit 99.2 hereto.
Why it matters: Core Bank net interest margin rose to 4.03% in Q3. Another gain would extend a key source of earnings growth.
Supportive ifQ4 Core Bank net interest margin is above 4.03%, and net interest income is above $66.1 million.
Worry ifQ4 Core Bank net interest margin falls below 4.03% or net interest income falls below $66.1 million.
Why it matters: Loan growth is a stated focus and has helped lift Core Bank income. A slowdown would weaken that growth signal.
Supportive ifTraditional Banking average loans top $4.70 billion in the next report.
Worry ifTraditional Banking average loans are $4.70 billion or less in the next report.
Why it matters: The recent earnings notice labels Q3 an earnings miss, while reported net income rose 4% year over year. Q4 results can test that mixed signal.
Watch forQ4 net income is above $31.1 million, the Q3 2026 result.
Also watch forQ4 net income is below $31.1 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$89 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $205 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,033 loss on $10,000 · 10.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.