DDM Analysis: RBCAA

Valuation Snapshot

Stable Growth	$206.13 - $1,006.71	$366.72
Multi-Stage	$126.66 - $138.51	$132.48
Blended Fair Value	$249.60
Current Price	$72.25
Upside	245.46%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	7.37%	7.41%	1.54	1.43	1.32	1.25	1.17	1.08	0.99	0.89	0.85	0.80
YoY Growth	-	-	7.60%	8.43%	5.85%	6.44%	8.55%	9.64%	10.43%	5.30%	5.87%	6.09%
Dividend Yield	-	-	2.42%	2.92%	3.11%	2.78%	2.65%	3.27%	2.17%	2.33%	2.46%	3.10%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	127.51
(-) Cash Dividends Paid (M)	32.97
(=) Cash Retained (M)	94.54

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	25.50	15.94	9.56
Cash Retained (M)	94.54	94.54	94.54
(-) Cash Required (M)	-25.50	-15.94	-9.56
(=) Excess Retained (M)	69.04	78.61	84.98
(/) Shares Outstanding (M)	19.79	19.79	19.79
(=) Excess Retained per Share	3.49	3.97	4.29
LTM Dividend per Share	1.67	1.67	1.67
(+) Excess Retained per Share	3.49	3.97	4.29
(=) Adjusted Dividend	5.15	5.64	5.96
WACC / Discount Rate	8.04%	8.04%	8.04%
Growth Rate	5.41%	6.41%	7.41%
Fair Value	$206.13	$366.72	$1,006.71
Upside / Downside	185.30%	407.56%	1,293.37%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	127.51	135.68	144.37	153.62	163.47	173.94	179.16
Payout Ratio	25.85%	38.68%	51.51%	64.34%	77.17%	90.00%	92.50%
Projected Dividends (M)	32.97	52.49	74.37	98.85	126.15	156.55	165.72

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.04%	8.04%	8.04%
Growth Rate	5.41%	6.41%	7.41%
Year 1 PV (M)	48.12	48.58	49.04
Year 2 PV (M)	62.52	63.71	64.91
Year 3 PV (M)	76.18	78.37	80.60
Year 4 PV (M)	89.15	92.58	96.11
Year 5 PV (M)	101.43	106.33	111.42
PV of Terminal Value (M)	2,129.22	2,232.15	2,339.03
Equity Value (M)	2,506.62	2,621.72	2,741.11
Shares Outstanding (M)	19.79	19.79	19.79
Fair Value	$126.66	$132.48	$138.51
Upside / Downside	75.31%	83.36%	91.71%

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Republic Bancorp, Inc. (RBCAA)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener