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/company/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/company/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

58.5/100

Rank #1,010 of 2,962 stocksTOP 50%

View Financials peers →

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

Revenue Growth

43.0/100

Profitability

90.3/100

Balance Sheet

51.5/100

Earnings Quality

42.9/100

Free Cash Flow

86.7/100

Institutional Flow

88.4/100

Revenue Scale

33.7/100

Dilution Risk

74.9/100

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Why RBCAA Scores 59/100

exact factor attribution · 2026-09-11

RBCAA's composite is driven by profitability and free cash flow, held back by scale and revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.1 pts

90th pct

Free cash flow

+5.5 pts

87th pct

Institutional flow

+2.6 pts

88th pct

Shareholder dilution

+1.7 pts

75th pct

Earnings growth

+1.1 pts

67th pct

Capital efficiency

+0.2 pts

52th pct

Earnings quality

-0.7 pts

43th pct

Revenue growth

-1.9 pts

43th pct

Scale

-3.3 pts

34th pct

Latest change (2026-08-07): 67 → 63 · ↓ Revenue growth 53→42; ↓ Earnings growth 70→53

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

RBCAA Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 58.5/100 on a 32-signal composite quality model, placing it at rank #1,010 of 2,962 stocks — the top half of the AI-ranked universe. RBCAA scores in the top quartile across profitability (90.3), institutional flow (88.4), free cash flow (86.7). Areas of concern include revenue scale (33.7), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), REPUBLIC BANCORP INC /KY/ reports quarterly revenue of $101.3M, net income of $32.9M, free cash flow of $-120.0K. 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 56 and 69 since 2024, currently 58.5 — a declining long-term trajectory across 55 quarterly and live scoring snapshots.

✦

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

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.

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

Q2 2026

$101.3M

Net Income

Q2 2026

$32.9M

Free Cash Flow

Q2 2026

$-120.0K

ROIC

Q2 2026

14.7%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+8.5% YoY

$417.5MFY 2025

FY22 $326.5MFY23 $360.2MFY24 $384.8MFY25 $417.5M

Net Income

+29.5% YoY

$131.3MFY 2025

FY22 $91.1MFY23 $90.4MFY24 $101.4MFY25 $131.3M

Total Assets

+2.9% YoY

$7.04BFY 2025

FY22 $5.84BFY23 $6.59BFY24 $6.85BFY25 $7.04B

Op. Cash Flow

+12.9% YoY

$168.2MFY 2025

FY22 $154.8MFY23 $108.5MFY24 $149.0MFY25 $168.2M

Free Cash Flow

+12.5% YoY

$161.1MFY 2025

FY22 $151.3MFY23 $101.6MFY24 $143.2MFY25 $161.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$417.5M +8.5%	$384.8M +6.8%	$360.2M +10.3%	$326.5M +5.6%	$309.3M -3.1%	$319.4M
Net Income	$131.3M +29.5%	$101.4M +12.2%	$90.4M -0.8%	$91.1M +4.0%	$87.6M +5.2%	$83.2M
Total Assets	$7.04B +2.9%	$6.85B +3.8%	$6.59B +13.0%	$5.84B -4.2%	$6.09B -1.2%	$6.17B
Operating Cash Flow	$168.2M +12.9%	$149.0M +37.3%	$108.5M -29.9%	$154.8M +54.4%	$100.3M +32.9%	$75.4M
Free Cash Flow	$161.1M +12.5%	$143.2M +40.9%	$101.6M -32.8%	$151.3M +60.1%	$94.5M +31.5%	$71.8M

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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
$84.4M933,059 sh
BlackRock, Inc.
$71.5M790,340 sh
VANGUARD CAPITAL MANAGEMENT LLC
$56.8M628,312 sh
AMERICAN CENTURY COMPANIES INC
$35.9M397,375 sh
MORGAN STANLEY
$31.0M342,254 sh
STATE STREET CORP
$30.6M336,448 sh
GEODE CAPITAL MANAGEMENT, LLC
$22.8M252,432 sh
GENDELL JEFFREY L
$12.9M142,916 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$11.9M131,458 sh
TWO SIGMA INVESTMENTS, LP
$10.4M114,638 sh

Fund	Value	Shares
DIMENSIONAL FUND ADVISORS LP	$84.4M	933,059
BlackRock, Inc.	$71.5M	790,340
VANGUARD CAPITAL MANAGEMENT LLC	$56.8M	628,312
AMERICAN CENTURY COMPANIES INC	$35.9M	397,375
MORGAN STANLEY	$31.0M	342,254
STATE STREET CORP	$30.6M	336,448
GEODE CAPITAL MANAGEMENT, LLC	$22.8M	252,432
GENDELL JEFFREY L	$12.9M	142,916
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$11.9M	131,458
TWO SIGMA INVESTMENTS, LP	$10.4M	114,638

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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. RBCAA is classified as a small company.

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.