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RBCAA

Republic Bancorp Inc
Chart
99.54 USD
Latest Week 2026-07-31
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-07-26 · 1.0w · Fresh
0.95
OS Score
82.0%
Value
94.0%
Quality
76.0%
Momentum
7/9
F-Score
0.878
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
11 of 23 passing
★
OS Composite
OS 0.950
↗
Trending Value
✗
◆
Quality × Value
QV 0.878
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 13.3
◇
VC2 Cheapest
✗
📐
EBITDA/EV
11.1%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 27%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 82%
🛡
Low Volatility
Vol 22%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.91
⚡
Risk-Adj Momentum
RAM 1.23
V
Value Analysis
Cheapness relative to fundamentals
82.0%ile
P/E
13.3×
P/S
3.6×
P/B
1.6×
E/P
0.1026
FCF Yield
0.102
EBITDA/EV
0.111
SH Yield
0.020
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
28.00000000
/100 — 1=cheapest
VC2 (Trending Value)
30.00000000
/100
VC3 (Buyback)
33.00000000
/100
FCF yield of 10.2% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
94.0%ile
ROE
0.121
ROA
0.019
Net Margin
0.267
Op Margin
0.342
GPA
0.053
D/E
5.40
Current
7.37
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.006
Earn Growth
0.108
Stability
0.314
lower=better
Accruals
-0.004
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 5.40 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
76.0%ile
6M Return
32.5%
12M Return
33.2%
12-1 Mom
27.1%
Risk-Adj
1.23
Vol 252d
22.0%
Vol 60d
46.4%
↑ Expanding
Max DD 12M
-14.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 27% is very strong — a clear uptrend. Near-term vol (46%) is expanding vs long-term (22%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.95
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
56.1%
Sector Quality %ile
96.0%
P/E z-score
-0.14
P/B z-score
-0.05
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
MCY Mercury General Corporation 98.0% 95.0% 83.0% 87.0%
RNR Renaissancere Holdings Ltd 98.0% 96.0% 96.0% 77.0%
HCI HCI Group Inc 98.0% 94.0% 93.0% 76.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (82th) and quality (94th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (82th value) with strong momentum (76th). The market is starting to recognise the value.
Volatility Expanding
60-day vol (46%) significantly exceeds 252-day (22%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
69.8% avg (7 factors)
Quality
C
52.1% avg (8 factors)
Momentum
B
68.4% avg (4 factors)
Risk
A
80.0% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.950—8—
Value %ile0.820—8—
Quality %ile0.940—8—
Momentum %ile0.760—1—
F-Score7.000—8—
Confidence1.000—8—
Volatility0.220—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
13.34
Earnings Yield (E/P)
0.1026
Price / Sales
3.57
Price / Book
1.62
Price / Cash Flow
10.92
FCF Yield
10.2%
EBITDA / EV
11.1%
Sales Yield (1/P·S)
0.3000
Shareholder Yield
Div + net buyback / mktcap
2.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
12.1%
Return on Assets
1.9%
Net Margin
26.7%
Operating Margin
34.2%
Gross Profit / Assets
Novy-Marx GPA
5.3%
Debt / Equity
5.40
Current Ratio
7.37
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.004
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
32.5%
12M Return
33.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
27.1%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.23
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
0.6%
Earnings Growth (YoY)
10.8%
Earnings Stability (CV)
Lower = more stable
0.314
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
7
Dividend Yield
2.0%
Buyback Yield
-0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
28
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
30
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
33
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity