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Stock Ratings / Financials / RBCAA / options
FSUN (63) STBA (66) OCFC (54) BY (67) ⌘ Pro Terminal β†’

Republic Bancorp Inc. (Class A) (RBCAA) Options Positioning, Max Pain & Unusual Sweeps

$92.44 +2.37% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $92.66

Republic Bancorp Inc. (Class A) (RBCAA) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C β€’ HOLD / WATCH Cap $1.81B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RBCAA Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is RBCAA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Republic Bancorp Inc. (Class A) (NASDAQ: RBCAA) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $92.44 (+2.37% 1D, market cap $1.81B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, RBCAA ranks #240 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does RBCAA compare to FSUN and STBA in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), RBCAA carries a Roarable C (65/100 RQD), trailing P/E of 13.7x, gross margin of β€”, and ROIC of 11.9%. By comparison, FSUN (FirstSun Capital Bancorp) holds a C grade (63/100 RQD, P/E 18.3x, ROIC 8.5%, cap $1.83B) and STBA (S&T Bancorp Inc.) posts a C+ grade (66/100 RQD, P/E 13.4x, ROIC 9.2%, cap $1.83B). Among the 5-stock peer group, STBA leads on earnings multiple (13.4x) while RBCAA leads on capital efficiency (11.9% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RBCAA?
β–Ό

Per RBCAA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000921557), Republic Bancorp Inc. (Class A) generated $417.5M in revenue (+8.5% YoY), $131.3M in net income, and $161.1M in free cash flow against $7.04B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $92.66 (+0.24%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 13/20 (C) β€’ 38.6% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY β€’ 55.6% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C
025507510065
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C Β· Rk B-
Cash (13)Whales (8)SEC (13)Macro (15)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.1% Base Target
$113 Bull$95 Base$74 Bear
πŸ“¬ FREE RBCAA RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for RBCAA)Realized 20D OHLCV Swing Band: Β±5%
Deterministic 5-Pillar Attribution (65/100 Composite)
πŸ” WHY RBCAA SCORES 65/100 (C) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy β€’ Cannibal Buyback (-2.36% YoY Shares)

β–² #2 Bullish Driver: Macro Regime Fit+15/20 pts (23% of score)

FRED Regime Γ— Technicals: 74% of 52W Range β€’ RSI-14 at 51.3 (NEUTRAL RANGE)

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
57
Grade C$90.81-0.1% Next Q
Q2 (-2Q)
60
Grade C$90.69+0.8% Next Q
Q3 (-1Q)
62
Grade C+$91.44+1.1% Next Q
Current
65
Grade C$92.44+1.3% Hist 90D Ξ±
Trajectory: C (57) β†’ C (65)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the RBCAA Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 65/100 (C) score, RBCAA faces multiple-compression risk if 13.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($93.28) or 200D SMA ($83.63) invalidates the momentum regime and cuts Target Base ($95.35) toward Bear Floor ($74.37).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RBCAAβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œRBCAA Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 65%NO 35%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±5%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (RBCAA)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for RBCAA.

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Whale Flow & Momentum Playbook: Evaluating RBCAA & AI Leaders Without Chasing Tops

  • βœ“Institutional whale strikes & implied earnings move audit on RBCAA
  • βœ“How disciplined traders manage risk using pre-published trigger & invalidation levels
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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RBCAA // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.87%⚑ TESTING RESISTANCE
2026-11-04O $90.30H $92.44L $90.30C $92.44VOL 83.0K
RES: $94.43SUP: $87.50SMA50: $93.28SMA200: $83.63
$104.4$95.42$86.47$77.51$68.55RES $94.43SUP $87.50$92.442026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RBCAA Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ RBCAA Butterfly Map β†’ + Track RBCAA β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.3%/yr Implied 5Y Growth

vs. +8.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on RBCAA today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for RBCAA. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for RBCAA today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RBCAA)

Financials Rank #240 of 1097 βš”οΈ FSUN vs RBCAA Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (RBCAA vs. FSUN, STBA, OCFC, BY)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Republic Bancorp Inc. (Class A) (RBCAA) ranks #240 by composite RQD confidence (65/100, grade C) and #447 by equity capitalization ($1.81B). Within this direct 5-issuer industry benchmark cohort, STBA leads on earnings valuation at 13.4x trailing P/E, while RBCAA leads on capital efficiency and profitability with 11.9% ROIC and β€” gross margin. BY currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with RBCAA at 65/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
RBCAA ACTIVE
Republic Bancorp Inc. (Class A)
C 65/100 13.7x β€” 11.9% +2.37% $1.81B Benchmark Subject
FSUN
FirstSun Capital Bancorp
C 63/100 18.3x β€” 8.5% +2.48% $1.83B /fsun-vs-rbcaa β†’
STBA
S&T Bancorp Inc.
C+ 66/100 13.4x β€” 9.2% +2.93% $1.83B /stba-vs-rbcaa β†’
OCFC
OceanFirst Financial Corp.
D+ 54/100 26.1x β€” 4.0% +4.07% $1.84B /ocfc-vs-rbcaa β†’
BY
Byline Bancorp Inc.
C+ 67/100 13.5x β€” 10.3% +1.51% $1.77B /by-vs-rbcaa β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000921557 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Republic Bancorp Inc. (Class A) (RBCAA) reported GAAP revenue of $417.5M (+8.5% vs. FY2024 revenue of $384.8M , and +15.9% cumulative change since FY2023) , GAAP net income of $131.3M, operating cash flow of $168.2M, and free cash flow of $161.1M (+12.5% YoY). On the balance sheet, RBCAA closed FY2025 with $7.04B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $417.5M $131.3M $168.2M $161.1M $7.04B β€”
FY2024 (FY) 2024-12-31 $384.8M $101.4M $149.0M $143.2M $6.85B β€”
FY2023 (FY) 2023-12-31 $360.2M $90.4M $108.5M $108.5M β€” β€”

3. RBCAA Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RBCAA stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Republic Bancorp Inc. (Class A) (NASDAQ: RBCAA) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $92.44 (+2.37% 1D, market cap $1.81B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, RBCAA ranks #240 in composite RQD confidence.

How does RBCAA compare to FSUN and STBA in the Financials sector?

Within the Financials sector (Major Banks), RBCAA carries a Roarable C (65/100 RQD), trailing P/E of 13.7x, gross margin of β€”, and ROIC of 11.9%. By comparison, FSUN (FirstSun Capital Bancorp) holds a C grade (63/100 RQD, P/E 18.3x, ROIC 8.5%, cap $1.83B) and STBA (S&T Bancorp Inc.) posts a C+ grade (66/100 RQD, P/E 13.4x, ROIC 9.2%, cap $1.83B). Among the 5-stock peer group, STBA leads on earnings multiple (13.4x) while RBCAA leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RBCAA?

Per RBCAA's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000921557), Republic Bancorp Inc. (Class A) generated $417.5M in revenue (+8.5% YoY), $131.3M in net income, and $161.1M in free cash flow against $7.04B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RBCAA trading relative to its 50-day, 200-day, and 52-week technical levels?

RBCAA last traded at $92.44 (+2.37% on volume of 82,991 shares), positioning the stock -0.90% below its 50-day simple moving average ($93.28) and +10.53% above its 200-day simple moving average ($83.63). Across its 52-week range of $63.97 to $102.22, RBCAA sits at the 74.4% percentile with a 14-day RSI of 51.3 (NEUTRAL RANGE) and an implied next-earnings move of Β±5.0% ($87.82 to $97.06).

Direct Sub-Reports: RBCAA RQD Cockpit RBCAA 12M Forecast RBCAA Earnings & Move RBCAA Dividends & DRIP RBCAA Insiders & 13F RBCAA Whale Options RBCAA Profit Sankey RBCAA News & Why
ROARABLE RATING BRIEF β€’ RQD 65/100 (C) βœ“ SEC XBRL & RQD VERIFIED

RBCAA β€” Republic Bancorp Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Republic Bancorp Inc. (Class A) (RBCAA) earns a live Roarable RQD composite score of 65/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $92.44 (+2.37% 1D, market capitalization $1.81B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 11.9%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 8.95%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Republic Bancorp Inc. (Class A) is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry. The company reports revenue, net income, and free cash flow across FY 2023 to FY 2025. β€” for additional business-model detail.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Republic Bancorp Inc. (Class A) (RBCAA) reported $417.5M in annual revenue (up from $384.8M in FY2024, +8.5% YoY) and $131.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($360.2M revenue, $90.4M net income) through FY2025, RBCAA scaled operating cash flow to $168.2M and free cash flow to $161.1M, backed by $7.04B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C β€’ RQD 65/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 8.95% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $63.97 – $102.22 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.7x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), RBCAA carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can RBCAA sustain or expand its β€” operating margin and 11.9% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $417.5M and free cash flow of $161.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is RBCAA's 12.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

RBCAA Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Republic Bancorp Inc. (Class A) (RBCAA) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to RBCAA Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RBCAA Bull vs. Bear Conversation Board β€” What's Your Call at $92.44?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RBCAA 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RBCAA:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER β€’ Cross-Asset Macro Desk πŸ‚ BULLISH 🎯 Target: $103.84 (+15.0%)
πŸ“Œ Pinned Debate

Insider conviction (16/20) is the strongest RQD pillar, backed by ROIC of 11.9% and an 8.95% FCF yield.

Insider conviction (16/20) is the strongest RQD pillar, backed by ROIC of 11.9% and an 8.95% FCF yield.. When you look under the hood at RBCAA, Fundamental Cash Engine is 13/20 with 0.0% gross margins and 11.9% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (8/20) has been quietly accumulating below $102.22. My 12M target is $103.84.

VolSurface_Trader πŸ‚ BULL

Both sides have a point here β€” RBCAA's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

ME MeanReversion_88 RQD DEBATE OPENER β€’ Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $74.05 (-18.0%)
Spot @ $90.30

The most recent news flags a Q3 earnings miss as a RISK WATCH item, with institutional flow scoring only 10/20.

The most recent news flags a Q3 earnings miss as a RISK WATCH item, with institutional flow scoring only 10/20.. Look at the math on RBCAA: paying 13.7x trailing P/E for 11.9% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $79.46 before getting long.

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