Republic Bancorp [RBCAA] vs U.S. Bancorp [USB] Detailed Stock Comparison

Republic Bancorp Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Republic Bancorp Inc. wins in 11 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. Republic Bancorp Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Republic Bancorp Inc. U.S. Bancorp Better
P/E Ratio (TTM) 11.33 11.92 Republic Bancorp Inc.
Price-to-Book Ratio 1.30 1.51 Republic Bancorp Inc.
Debt-to-Equity Ratio 0.43 1.21 Republic Bancorp Inc.
PEG Ratio -1.10 0.82 U.S. Bancorp
Profit Margin (TTM) 33.99% 29.29% Republic Bancorp Inc.
Operating Margin (TTM) 53.65% 37.84% Republic Bancorp Inc.
EBITDA Margin (TTM) 53.65% 37.84% Republic Bancorp Inc.
Return on Equity 11.68% 12.35% U.S. Bancorp
Return on Assets (TTM) 1.77% 1.14% Republic Bancorp Inc.
Free Cash Flow (TTM) $161.11M $7.97B U.S. Bancorp
Dividend Yield 3.20% 3.82% U.S. Bancorp
1-Year Return 18.11% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 3.86 3.32 U.S. Bancorp
Enterprise Value $1.32B $126.46B U.S. Bancorp
EV/Revenue Ratio 3.54 4.75 Republic Bancorp Inc.
Revenue per Share (TTM) $19 $17 Republic Bancorp Inc.
Earnings per Share (Diluted) $6.48 $4.77 Republic Bancorp Inc.
Beta (Stock Volatility) 0.57 1.03 Republic Bancorp Inc.
Short % of Float 2.25% 0.00% U.S. Bancorp

Republic Bancorp Inc. vs U.S. Bancorp Stock Performance Analysis

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RBCAA
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Republic Bancorp Inc.-1.70%2.07%8.38%17.71%20.45%20.81%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Republic Bancorp Inc.18.11%81.67%73.82%200.93%311.54%311.12%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: Republic Bancorp Inc. vs U.S. Bancorp

MetricRBCAAUSB
Market Information
Market Cap i$1.44B$88.06B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i70,6009,829,002
90 Day Avg. Volume i86,94310,401,007
Last Close$80.96$53.14
52 Week Range$63.97 - $82.37$42.55 - $61.19
% from 52W High-1.71%-13.16%
All-Time High$82.37 (Jun 02, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-1.71%-16.41%
Growth Metrics
Quarterly Revenue Growth-0.11%0.05%
Quarterly Earnings Growth-0.10%0.14%
Financial Health
Profit Margin (TTM) i0.34%0.29%
Operating Margin (TTM) i0.54%0.38%
Return on Equity (TTM) i0.12%0.12%
Debt to Equity (MRQ) i0.431.21
Cash & Liquidity
Book Value per Share (MRQ)$56.41$37.54
Cash per Share (MRQ)$30.54$31.14
Operating Cash Flow (TTM) i$153.43M$6.04B
Levered Free Cash Flow (TTM) i$131.32M$7.19B
Dividends
Last 12-Month Dividend Yield i3.20%3.82%
Last 12-Month Dividend i$2.29$2.04

Valuation & Enterprise Metrics Analysis: Republic Bancorp Inc. vs U.S. Bancorp

MetricRBCAA (Apr 26, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.3311.92
Forward P/E i11.7210.09
PEG Ratio i-1.100.82
Price to Sales (TTM) i3.863.32
Price to Book (MRQ) i1.301.51
Market Capitalization
Market Capitalization i$1.44B$88.06B
Enterprise Value i$1.32B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i3.544.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.571.03
Book Value per Share (MRQ) i$56.41$37.54

Financial Statements Comparison: Republic Bancorp Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricRBCAA (2025)USB (2025)
Revenue/Sales i411.12M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i165.71M9.52B
Pre-Tax Income % of Revenue i40.3%33.3%
Income Tax i34.39M1.92B
Income Tax % of Revenue i8.4%6.7%
Net Income (Profit) i131.32M7.60B
Profit Margin i31.9%26.6%

Balance Sheet & Liquidity Metrics

MetricRBCAA (2025)USB (2025)
Cash & Equivalents i219.97M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i538.37M60.76B
Long-Term Debt % of Revenue i131.0%212.9%
Total Shareholders Equity i1.10B65.65B
Retained Earnings i945.40M80.91B
Retained Earnings % of Revenue i230.0%283.5%
Property, Plant & Equipment i31.33M1.51B

Cash Flow Statement Comparison

MetricRBCAA (2025)USB (2025)
Operating Cash Flow i153.43M6.04B
Operating Cash Flow % of Revenue i37.3%21.2%
Capital Expenditures i-7.10MN/A
Free Cash Flow i161.11M7.97B
FCF Margin i39.2%27.9%
Debt Repayment i-528.00M-9.05B
Common Stock Repurchase i-72,000-489.00M

Short Interest & Institutional Ownership Analysis

MetricRBCAAUSB
Shares Short i189,81627,002
Short Ratio i2.020.00
Short % of Float i2.25%0.00%
Shares Outstanding i17.47M1.56B
Float Shares i8.91M1.55B
% Held by Insiders i51.57%0.14%
% Held by Institutions i29.30%83.55%
% Held by Public i19.13%16.31%

Dividend Analysis & Yield Comparison: Republic Bancorp Inc. vs U.S. Bancorp

MetricRBCAAUSB
Last 12-Month Dividend i$2.29$2.04
Last 12-Month Dividend Yield i3.20%3.82%
3-Year Avg Annual Dividend i$1.80$1.98
3-Year Avg Dividend Yield i0.72%1.19%
3-Year Total Dividends i$5.41$5.95
Ex-Dividend DateMar 20, 2026Dec 31, 2025