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 $171.00 per share. The share price was $94.55 on September 25, 2026, 45% 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% | $113.77 | +20% |
| Base | 5.5% | 9.0% | $171.00 | +81% |
| Bull | 10.5% | 8.0% | $285.11 | +202% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $213.01 | $225.80 | $241.43 | $260.97 | $286.09 |
| 8.0% | $181.69 | $189.98 | $199.78 | $211.55 | $225.92 |
| 9.0% | $158.79 | $164.46 | $171.00 | $178.64 | $187.66 |
| 10.0% | $141.33 | $145.36 | $149.93 | $155.16 | $161.18 |
| 11.0% | $127.60 | $130.55 | $133.86 | $137.57 | $141.79 |
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