Republic Bancorp, Inc. — Earnings Quality Grade F
RBCAA · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 8.5%, CFFO 12.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 22.3% is >2x revenue growth 8.5%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.28. Profits backed by cash
FCF $0.2B, FCF/NI = 1.23
Accruals ratio = -0.5%. Low accruals
Cash $0.2B covers only 41% of debt $0.5B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 4% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Republic Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25