What is the 13F Pro Quality Score for RBCAA?

13F Pro ranks REPUBLIC BANCORP INC /KY/ (RBCAA) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View RBCAA's current score at https://13fpro.ai/research/RBCAA (free sign-up required for the full ranking).

Where does 13F Pro source RBCAA data?

All REPUBLIC BANCORP INC /KY/ fundamentals and ownership data come directly from SEC EDGAR. REPUBLIC BANCORP INC /KY/ files with the SEC under CIK 921557. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is RBCAA in?

REPUBLIC BANCORP INC /KY/ (RBCAA) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives RBCAA's revenue?

Per REPUBLIC BANCORP INC /KY/'s latest 10-Q filed with the SEC on 2026-05-07, the biggest revenue drivers are: Traditional Banking ($75.1M, +10% YoY); Tax Refund Solutions ($21.0M, -52% YoY); Republic Credit Solutions ($16.5M, -2% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/RBCAA.

What are RBCAA's largest expenses?

REPUBLIC BANCORP INC /KY/'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($32.1M, +3% YoY); Technology, equipment, and communication ($7.9M, -8% YoY); FHLB advances early termination penalties ($2.3M, N/A). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is RBCAA research updated on 13F Pro?

RBCAA's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

REPUBLIC BANCORP INC /KY/(RBCAA)Stock Analysis

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13F Pro Quality Score

66.9/100

Rank #494 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

52.8/100

Profitability

93.0/100

Balance Sheet

52.6/100

Earnings Quality

70.1/100

Free Cash Flow

91.3/100

Institutional Flow

73.9/100

Revenue Scale

34.8/100

Dilution Risk

74.8/100

RBCAA Stock Analysis & AI Quality Score

AI stock analysis and institutional research for REPUBLIC BANCORP INC /KY/ (RBCAA), a Financials sector company. 13F Pro's AI-powered ranking engine scores RBCAA at 66.9/100 on a 32-signal composite quality model, placing it at rank #494 of 2,879 stocks — the top 25% of the AI-ranked universe. RBCAA scores in the top quartile across profitability (93.0), free cash flow (91.3). Areas of concern include revenue scale (34.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), REPUBLIC BANCORP INC /KY/ reports quarterly revenue of $120.4M, net income of $42.6M, free cash flow of $68.1M. Top institutional holders of RBCAA by reported 13-F value include DIMENSIONAL FUND ADVISORS, BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. RBCAA trades on the Nasdaq exchange and files with the SEC under CIK 921557. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate RBCAA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for REPUBLIC BANCORP INC /KY/ directly from SEC EDGAR. REPUBLIC BANCORP INC /KY/'s 13F Pro composite quality score has ranged between 61 and 69 since 2024, currently 66.9 — an improving long-term trajectory across 15 quarterly and live scoring snapshots.

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Fun facts about REPUBLIC BANCORP INC /KY/

Quirks, history, and lore behind RBCAA — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. regional bank holding company · listed on Nasdaq · headquartered in Kentucky · focused on community banking.
2
The Numbers
Total assets in the range of $6–7 billion — big enough to matter in its home market, small enough that Wall Street mostly ignores it. Pays a consistent dividend that income investors quietly love.
3
The History
Traces its roots back to the late 1800s in Louisville, growing steadily through organic expansion rather than flashy mega-mergers — the tortoise, not the hare.
4
The Secret
Its tax refund solutions business — offering bank products tied to tax preparation — has been a distinctive and lucrative niche that sets it apart from plain-vanilla community banks.
5
The Lore
The founding family still holds significant voting control through a dual-class share structure, meaning this Louisville institution runs very much like a family business dressed in a suit and tie.
6
The Giveaway
It's a Louisville, Kentucky community bank with the word "Republic" in its name and a ticker that starts with RBC — the Bluegrass State's answer to a quiet banking dynasty.

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What's Driving RBCAA's Business? Latest 10-Q Breakdown

✓ 21/21 datapoints verified

AI-extracted from REPUBLIC BANCORP INC /KY/'s 10-Q filed 2026-05-07 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income fell 10% YoY to $42.6M amid RPG headwinds, particularly a $8.4M after-tax hit from TRS's largest tax provider contract nonrenewal.

Biggest Revenue Drivers

Total revenue: $120.4M-11% YoY

Traditional Banking$75.1M+10% YoY

Net interest income grew 11% driven by higher average loans and improved asset yields; gain on RBF sale added $5.8M.

Tax Refund Solutions$21.0M-52% YoY

Largest tax provider contract not renewed for 2026 tax season; RA originations down 63% YoY to $246M.

Republic Credit Solutions$16.5M-2% YoY

Net interest income $12.8M; higher-yielding LOC portfolios driving portfolio mix improvement.

Warehouse Lending$3.9M+29% YoY

Average lines increased to $1.22B with 50% utilization; mortgage origination demand stable.

Republic Payment Solutions$3.8M-3% YoY

Prepaid card yields declined from 4.55% to 3.69% due to 75bp FFTR reduction; revenue share threshold not met.

Largest Expense Items

Salaries and employee benefits$32.1M+3% YoY

Increased headcount in core banking and RPG operations.

Technology, equipment, and communication$7.9M-8% YoY

2025 included $5.7M core system deconversion costs not repeated in 2026.

FHLB advances early termination penalties$2.3MN/A

Prepaid $220M of long-term fixed-rate FHLB advances at 4.57%; expected to recoup penalty in ~1.2 years.

Occupancy and other noninterest expense$11.2M-1% YoY

Largely flat; includes FDIC insurance, legal, and general administrative costs.

Margins: Total company NIM compressed 82bp YoY to 5.46%, driven primarily by $18.4M decline in TRS net interest income following contract nonrenewal. Traditional Banking NIM expanded to 4.10% from 3.79% despite FFTR reductions, benefiting from higher-yielding loan originations and improved deposit mix, though management expects FFTR cuts will pressure future margins.

Watch Items from the Filing

TRS revenue concentration risk: nonrenewal of largest tax provider contract eliminated $8.4M of net income (~18% of segment). Remaining RA originations down 63% YoY to $246M; era/RA volume entirely dependent on tax season marketing success.
Net interest margin vulnerability: 82bp YoY compression driven by rate cuts; traditional banking benefited from yield curve steepness but faces pressure from continued FFTR reductions and deposit beta management.
RPS revenue share uncertainty: largest prepaid marketer-servicer did not meet minimum contractual deposit thresholds in Q1 2026, eliminating revenue share; threshold levels near critical, making future realization uncertain.
Warehouse lending sensitivity: demand highly dependent on long-end mortgage rates; 16% QoQ loan decline reflects volatile origination activity despite increased committed line capacity to $1.22B.
Nonperforming assets deterioration: traditional banking nonperforming loans increased to 0.69% from 0.52% QoQ; delinquent loans surged to 0.72% from 0.31%, signaling potential credit stress ahead.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$120.4M

Net Income

Q1 2026

$42.6M

Free Cash Flow

Q1 2026

$68.1M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+8.5% YoY

$417.5MFY 2025

FY21 $309.3MFY23 $360.2MFY24 $384.8MFY25 $417.5M

Net Income

+29.5% YoY

$131.3MFY 2025

FY21 $87.6MFY23 $90.4MFY24 $101.4MFY25 $131.3M

Total Assets

+2.9% YoY

$7.04BFY 2025

FY21 $6.09BFY23 $6.59BFY24 $6.85BFY25 $7.04B

Op. Cash Flow

+12.9% YoY

$168.2MFY 2025

FY21 $100.3MFY23 $108.5MFY24 $149.0MFY25 $168.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2021	FY 2020	FY 2019
Revenue	$417.5M +8.5%	$384.8M +6.8%	$360.2M +16.5%	$309.3M -3.1%	$319.4M +2.6%	$311.1M
Net Income	$131.3M +29.5%	$101.4M +12.2%	$90.4M +3.2%	$87.6M +5.2%	$83.2M -9.2%	$91.7M
Total Assets	$7.04B +2.9%	$6.85B +3.8%	$6.59B +8.2%	$6.09B -1.2%	$6.17B +9.8%	$5.62B
Operating Cash Flow	$168.2M +12.9%	$149.0M +37.3%	$108.5M +8.3%	$100.3M +32.9%	$75.4M -28.3%	$105.2M

AI Insight: RBCAA Financial Trends

Republic Bancorp shows volatile quarterly performance with Q1 spikes in revenue and earnings but inconsistent operating cash flow generation.

• Revenue spiked to $136M in Q1 2025 and $120M in Q1 2026, well above the $88-94M baseline quarters.

• Net income followed similar pattern, jumping to $47M in Q1 2025 and $43M in Q1 2026 versus $19-31M in other quarters.

• Equity steadily increased from $955M in Q2 2024 to $1,133M in Q1 2026, representing 19% growth.

⚠ Operating cash flow remains highly volatile, ranging from $3M to $93M across quarters with no clear trend.

⚠ Strong Q1 performance appears seasonal but sustainability of elevated revenue levels outside Q1 periods unclear.

AI Insight: RBCAA Ratio Trends

Republic Bancorp shows extreme Q1-Q4 seasonal volatility with Q1 2026 operating margin hitting 46.0% while Q4 quarters consistently underperform.

• Operating margin surged from 29.3% in Q4 2025 to 46.0% in Q1 2026, marking the strongest Q1 performance in the dataset.

• ROE jumped from 8.3% in Q4 2025 to 15.0% in Q1 2026, following a consistent seasonal pattern of Q4 weakness.

• ROIC expanded from 10.0% in Q4 2025 to 19.6% in Q1 2026, though below the 23.2% peak in Q1 2025.

⚠ Q4 quarters consistently show 40-50% margin compression versus Q1 peaks, suggesting significant seasonal earnings volatility.

⚠ Q1 2026 ROIC of 19.6% trails Q1 2025's 23.2%, indicating potential year-over-year profitability moderation.

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Available Research

13F Pro tracks comprehensive data for REPUBLIC BANCORP INC /KY/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of RBCAA

DIMENSIONAL FUND ADVISORS LP
$65.5M928,367 sh
BlackRock, Inc.
$53.5M758,921 sh
VANGUARD CAPITAL MANAGEMENT LLC
$26.9M381,736 sh
MORGAN STANLEY
$24.7M350,043 sh
AMERICAN CENTURY COMPANIES INC
$21.3M302,294 sh
STATE STREET CORP
$18.5M261,272 sh
GEODE CAPITAL MANAGEMENT, LLC
$17.1M241,746 sh
GENDELL JEFFREY L
$10.1M142,916 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$9.0M127,608 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$7.4M104,991 sh

Fund	Value	Shares
DIMENSIONAL FUND ADVISORS LP	$65.5M	928,367
BlackRock, Inc.	$53.5M	758,921
VANGUARD CAPITAL MANAGEMENT LLC	$26.9M	381,736
MORGAN STANLEY	$24.7M	350,043
AMERICAN CENTURY COMPANIES INC	$21.3M	302,294
STATE STREET CORP	$18.5M	261,272
GEODE CAPITAL MANAGEMENT, LLC	$17.1M	241,746
GENDELL JEFFREY L	$10.1M	142,916
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$9.0M	127,608
VANGUARD PORTFOLIO MANAGEMENT LLC	$7.4M	104,991

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Is RBCAA a good stock to buy?

13F Pro's AI-powered analysis of REPUBLIC BANCORP INC /KY/ (RBCAA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for RBCAA are available on the RBCAA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own RBCAA?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling RBCAA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of REPUBLIC BANCORP INC /KY/'s investment landscape.