What is Republic Bancorp Inc worth?
With the base-case assumptions below, a discounted cash flow model on Republic Bancorp Inc's reported free cash flow gives $173.29 per share. The share price was $91.83 on November 10, 2026, 47% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 0.5% | 10.0% | $116.05 | +26% |
| Base | 5.5% | 9.0% | $173.29 | +89% |
| Bull | 10.5% | 8.0% | $287.40 | +213% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $215.29 | $228.08 | $243.72 | $263.26 | $288.38 |
| 8.0% | $183.97 | $192.27 | $202.07 | $213.83 | $228.21 |
| 9.0% | $161.07 | $166.74 | $173.29 | $180.92 | $189.94 |
| 10.0% | $143.62 | $147.65 | $152.22 | $157.44 | $163.47 |
| 11.0% | $129.88 | $132.84 | $136.14 | $139.86 | $144.07 |
Where the presets come from
Base: years 1 to 5 grow at Republic Bancorp Inc's revenue growth rate over the last 5 fiscal years (5.5% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions