Republic Bancorp, Inc. Class A (RBCAA)

Over the past six months, Republic Bancorp's stock (RBCAA) has fluctuated between a 52-week high of $78.25 and a low of $56.79, with a closing price of $74.41 as of February 5, 2026. Key events include a Q4 CY2025 earnings report exceeding revenue expectations but falling short on non-GAAP profit, a dividend increase marking the 28th consecutive year, and the appointment of a new Managing Director of Retail Banking and a new Chief Investment Officer.

Demand seasonality affects Republic Bancorp's business. The Warehouse Lending segment was impacted by a decline in mortgage demand in Q4 2023, while demand for traditional bank loans remained strong. The Tax Refund Solutions division likely experiences heightened demand during tax season.

Republic Bancorp, Inc. (Kentucky) (RBCAA) is a financial holding company based in Louisville, Kentucky, operating through its subsidiary, Republic Bank & Trust Company. It offers a range of banking products and services to individuals, small businesses, and middle-market clients through six key business segments: Traditional Banking, Warehouse Lending, Mortgage Banking, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. A unique differentiator is the Tax Refund Solutions division, which drives noninterest income.

Republic Bancorp, Inc. operates 47 banking centers across five states within five metropolitan statistical areas (MSAs). These include 22 banking centers in the Louisville MSA (Kentucky and Indiana), six in the Lexington MSA (Kentucky), eight in the Cincinnati MSA (Ohio and Kentucky), seven in the Tampa MSA (Florida), and four in the Nashville MSA (Tennessee). Additionally, the company has one loan production office located in St. Louis, Missouri, and originates and purchases loans on a national basis.

In the past year, Republic Bancorp has received positive recognitions, including being ranked among the top 25 publicly traded banks by Bank Director, named a Top 50 Community Bank by S&P Global Market Intelligence for the second consecutive year, and recognized as one of America's Best Regional Banks and Best Online Lender by Newsweek for the second consecutive year.

Republic Bancorp, Inc. (RBCAA) has 272 institutional owners and shareholders holding a total of 5,938,104 shares. Major institutional shareholders include Dimensional Fund Advisors Lp, BlackRock, Inc., Vanguard Group Inc, Morgan Stanley, American Century Companies Inc, Geode Capital Management, Llc, iShares Russell 2000 ETF (IWM), and State Street Corp. Approximately 9.56% of the company's stock is owned by institutional investors, 6.12% by insiders, and 75.22% by retail investors. Teebank Family LP and Jaytee Properties LP are also significant owners.