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Republic Bancorp Inc /KY/ Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 02 Mar 2026.
Republic Bancorp Inc /KY/: what insiders have been doing
Headquartered in Louisville, United States, Republic Bancorp Inc /KY/ belongs to the Finance & Banking sector and traces its origins to 1982. Filings by its managers are published through SEC (Form 4). Between 18 October 2025 and 18 October 2026, 22 insiders published 83 filings.
Both sides are active: 1 purchase worth €8,887 and 3 sales worth €71k, from 1 insider and 3 insiders respectively. The totals exclude 1 filing filed without an amount. A purchase on the market is a deliberate choice to commit personal money, which is why it draws more attention than a grant. Those buying include 1 board member. The largest single trade was a sale of €63k by Sanchez Alejandro M, published on 2 March 2026.
The latest purchase dates back some time: it was published 230 days ago, on 2 March 2026. The median gap between a trade and its publication by SEC (Form 4) is 2 days. The legal deadline for a Form 4 is two business days after the transaction. Keep in mind that insiders sell for many reasons unrelated to the outlook, from tax bills to estate planning.
Across the 5,810 companies tracked on its exchange, the median is 19 filings; at 83 filings, this issuer sits above that mark. Our records for Republic Bancorp Inc /KY/ go back to 2016, with 4 purchases and 25 sales on the open market in total. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 131.3 m USD.
For comparison within the same sector, see the insider buying recorded at Redwood Trust Inc and First Guaranty Bancshares, Inc. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
608
Thresholds
n/a
Buy Volume
€134,581
4 ops. · all time
Sell Volume
€2M
25 ops. · all time
Who traded when
BuySaleChristy Ames3 sales
Trager Scott2 buys
Feaster David P1 sale
Heather Howell V1 sale
Jeff Starke1 sale
Rippy John T1 sale
+1 other insider
Since the insiders bought
- +14.4%Entry US$69.72 · Close at T+90 US$79.77
- -10.7%Entry US$50.10 · Close at T+365 US$44.72
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,107 of 24,148 companies
79.3
score / 100
Value78
Quality81
FCF yld8.9%
Earn yld7.2%
EV/EBITDA·
ROE12%
Gross mgn·
Net mgn32%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$90.93
Analyst consensus
1 analysts3.00/5
US$98.00Target US$98.00(+8%)US$98.00
Income statement
RevenueUS$411.1M
Net incomeUS$131.3M33.5% margin
Valuation
PER (trailing)13.9x
PER (forward)13.2x
P/Book1.5x
Beta0.57
Balance sheet & cash
Market capUS$1.8B
Total debtUS$538.4M
Free Cash FlowUS$161.1M
Profitability & ownership
ROE11.5%
ROA1.8%
% insiders51.5%
% institutions33.2%
Last declaration on 13 October 2026
Declarations608 total
181 shares@ US$90.93Class A Common StockSEC:0001770870-26-000010:0
50.333 shares@ US$91.700.0002% mcap0.8% of flowClass A Common StockSEC:0001908710-26-000014:0
50.333 shares@ US$91.700.0002% mcap0.5% of flowClass A Common StockSEC:0001243572-26-000012:0
50.333 shares@ US$91.700.0002% mcap1.0% of flowClass A Common StockSEC:0001632477-26-000016:0
62.914 shares@ US$91.700.0003% mcap0.3% of flowClass A Common StockSEC:0001279261-26-000010:0
2.726 shares@ US$91.700.0000% mcap1.4% of flowClass A Common StockSEC:0002087376-26-000014:0
50.333 shares@ US$91.700.0002% mcap3.6% of flowClass A Common StockSEC:0002043433-26-000010:0
125.409 shares@ US$91.700.0006% mcap4.8% of flowClass A Common StockSEC:0001811085-26-000010:0
25.168 shares@ US$91.700.0001% mcap17.1% of flowClass A Common StockSEC:0002149579-26-000006:0
98.146 shares@ US$91.700.0005% mcap4.3% of flowClass A Common StockSEC:0001670473-26-000010:0
114.504 shares@ US$91.700.0006% mcap11.1% of flowClass A Common StockSEC:0001973823-26-000010:0
98.146 shares@ US$91.700.0005% mcap6.1% of flowClass A Common StockSEC:0001768444-26-000012:0
49.073 shares@ US$91.700.0002% mcap8.0% of flowClass A Common StockSEC:0001925347-26-000010:0
141.767 shares@ US$91.700.0007% mcap17.0% of flowClass A Common StockSEC:0002021229-26-000010:0
50.333 shares@ US$91.700.0002% mcap2.3% of flowClass A Common StockSEC:0001874016-26-000010:0
50.333 shares@ US$91.700.0002% mcap0.6% of flowClass A Common StockSEC:0001647430-26-000012:0
121 shares@ US$93.840.0006% mcap100.0% of flowClass A Common StockSEC:0002149579-26-000004:0
118 shares@ US$93.840.0006% mcap59.9% of flowClass A Common StockSEC:0002087376-26-000012:0
59.546 sharesClass A Common StockSEC:0001908710-26-000012:0
340 sharesClass A Common StockSEC:0001908710-26-000010:0
3,000 shares@ US$87.620.015% mcap100.0% of flowClass A Common StockSEC144:0001632477-26-000010
510 shares0Class A Common StockSEC:0002021229-26-000006:0
510 shares0Class A Common StockSEC:0001925347-26-000006:0
2,688 shares@ US$42.740.0063% mcap18.3% of flowClass A Common StockSEC:0001908710-26-000008:0
1,859 shares@ US$72.460.0074% mcap21.5% of flowClass A Common StockSEC:0001908710-26-000008:1
25 of 608 declarations
About Republic Bancorp Inc /KY/
Republic Bancorp, Inc. /KY/ is a U.S. financial holding company listed on the NASDAQ under the ticker RBCAA, and headquartered in Louisville, Kentucky, United States. For international investors, it is best viewed as a diversified regional banking franchise rather than a pure-play community bank. Its business model combines traditional deposit-and-lending banking with specialized fee-based and niche financing activities, giving it a broader earnings base than many peers in the U.S. regional banking universe.
As of year-end 2025, the company reported five operating segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions (TRS), Refund Payment Solutions (RPS), and Republic Credit Solutions (RCS). The first two segments are managed as the Core Bank, covering conventional banking activities such as deposits, commercial and consumer lending, and balance-sheet management. The last three segments make up Republic Processing Group and focus on tax-related financial products and other specialized solutions. This structure is strategically important because it diversifies revenue sources, blending net interest income with nontraditional, often seasonally influenced fee and finance income.
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Republic Bancorp’s long-standing presence in Louisville reflects its history as a relationship-oriented banking institution with deep roots in Kentucky and surrounding markets. While the company does not position itself as a national mega-bank, it benefits from a regional footprint and from specialized businesses that can reach customers beyond its immediate branch geography. Its recent disclosures emphasize a disciplined pricing strategy, solid liquidity, and strong capital levels. Management also highlighted favorable low loan charge-offs in the Core Bank and improved net interest margin performance in the second quarter of 2025.
Competitively, Republic operates in the highly fragmented U.S. regional banking sector, where investors typically focus on deposit franchise quality, credit performance, funding costs, and the stability of fee-based businesses. Republic’s niche tax refund and payment solutions businesses can provide incremental earnings power, but they also introduce seasonality and product-specific risk. That said, the company’s diversified model has been presented as a key strength, especially in a more challenging interest-rate environment.
A notable recent development was the company’s second-quarter 2025 earnings release, which showed a 25% year-over-year increase in net income and a 24% rise in diluted EPS. Management also introduced a new branding initiative and marketing campaign in June 2025. Taken together, these updates suggest a profitable, well-capitalized regional financial institution with a combination of traditional banking resilience and specialty product differentiation, listed on NASDAQ in the United States.
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