An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Republic Bancorp, Inc.
VERDICT
The label
Markup
read at $100.58
Republic Bancorp, Inc. holds its Markup at $100.58.
PHPhase · the trend structure carries the Markup label
INInsiders · no filings inside 60 days, left as found
POPositioning · no disclosures inside 60 days, left as found
OPOptions · no verdict drawn today, left as found
SCScreen · does not pass the values gate
edge confirmed
edge broken
edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
INVESTOR
The investor read · the season, not the day
As held on the ledger · 2026-08-04
Phase
Markup
Quantitative state
The statistical read favours the sellers, held for 368 days
Price
$100.58
Valuation
15.38 trailing · 14.58 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.56
OPPORTUNITY
The opportunity · what the numbers say it is worth
Read at
$100.58
15.38 P/E · 14.58 fwd
Our fair value
$89.89
11% premium
Analyst target (avg)
$98.00
-3% to current
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Current
$100.58
you are here
Conservative
$88.20
-12%
Analyst avg
$98.00
-3%
Our fair value
$89.89
-11%
Analyst high
$98.00
-3%
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Both our model and the Street see limited upside at this price.
Revenue growth
4.40%
Profit margin
33.47%
Analyst consensus
Hold · 1 covering
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
SCREEN
The values screen, explained · five checks, plain English
This company is excluded by both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. It fails on both:
The common standard· AAOIFI Used by most halal investing apps✗ DOES NOT PASS
Our stricter standard· asset-based The one Titan applies✗ DOES NOT PASS
Why it fails. The problem is its prohibited keyword in sector/industry: bank. Because both standards agree on this, it is a clear exclusion, not a borderline case.
Business activityProhibited keyword in sector/industry: bankFail
Debt loadInterest-bearing debt is of its assets, above the one-third ceiling the screen allows.Fail
Interest-bearing cashInterest-bearing cash and securities are of assets, above the one-third limit.Fail
ReceivablesMoney owed to the company is of assets, above the 49% limit.Fail
Revenue purity of revenue comes from non-compliant sources, over the 5% line.Fail
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
PLAIN
The business, in plain words · what the numbers mean
Banks fail our screen before numbers matter
Picture a regional lender handing out loans from Kentucky to Florida. Every transaction crosses rules that our ethical screen flags outright, so Republic Bancorp drops from view before any spreadsheet opens. The 13.7 times forward earnings and 34 percent profit margin look tidy on paper yet sit 21 percent above our fair value of 71.49 dollars against a 90.91 dollar price.
Revenue already fell 11 percent while return on equity holds at just 12 percent. That combination points to a cyclical business whose earnings peak may already sit behind it, not a bargain multiple waiting for re-rating. One analyst offers an 80 dollar target that still leaves little margin once currency or rate swings hit.
Sector exposure adds the usual credit-cycle and regulatory risks that rarely appear in a single quarter. We pass on both valuation and screen grounds without needing deeper digging. Analysis, not advice.
Screened names in the same industry · explore each on its own page.
TRADE
Where & how to trade · wherever in the world you are
RBCAA trades on Nasdaq. As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.
TRADER
The trader read · the latest dated commentary
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 14.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 13% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 27%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (1 analysts) rates it none, with a mean price target of $80. Entered 2026-08-11 · Markup
JOURNAL
The dated journal · newest first, never edited
2026-08-11Markup · changed$100.58+14.7%Entry 4
The framework has shifted from accumulation to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 14.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 13% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 27%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (1 analysts) rates it none, with a mean price target of $80.
2026-07-18Accumulation$87.66+0.0%Entry 3
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 13% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 27%. Our forward projection puts the odds of a 10% gain over the next month near 25%. The street (1 analysts) rates it none, with a mean price target of $80.
2026-07-03Accumulation$87.66+0.0%Entry 2
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Accumulation$87.66Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
RETURNS
What holding actually paid · price plus dividends
If $1,000 had been placed · historical, not a promise
Period
Price then
Price return
Divs per share
$1,000 became
Total return
1 month
$76.17
+15.4%
·
$1,154
+15.4%
2 months
$74.57
+17.8%
·
$1,178
+17.8%
3 months
$68.30
+28.7%
$0.50
$1,294
+29.4%
6 months
$72.93
+20.5%
$0.95
$1,218
+21.8%
1 year
$69.40
+26.6%
$1.85
$1,293
+29.3%
2 years
$47.28
+85.9%
$3.52
$1,933
+93.3%
3 years
$42.50
+106.8%
$5.05
$2,186
+118.6%
5 years
$41.13
+113.6%
$7.71
$2,324
+132.4%
Historical returns from market close data. Past performance does not guarantee future results.
SEALED
This entry now belongs to the ledger. Whatever RBCAA does next, these words stay.
Republic Bancorp, Inc. · RBCAA · Markup · $100.58
Recorded 2026-08-04 · before the outcome · scored mechanically
