Republic Bank Appoints Robert Etherington as SVP Market Manager to Drive Regional Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 09 2025
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Should l Buy RBCAA?
Source: Newsfilter
- Leadership Change: Republic Bank has appointed Robert Etherington as Senior Vice President and Market Manager for Butler, Warren, and Clermont counties, leveraging his 34 years of banking experience to enhance commercial and community banking relationships in the region.
- Market Strategy Support: Etherington will assist the local management team in developing market strategies, further driving Republic Bank's growth in southwest Ohio, reflecting the company's commitment to the area.
- Community Engagement: With a relationship-focused leadership style and community involvement background, Etherington is expected to strengthen the bank's ties with local businesses, civic, and nonprofit organizations, enhancing the bank's community presence.
- Asset Scale: As of September 30, 2025, Republic Bank's total assets are approximately $7.01 billion, indicating a solid position and growth potential in the market.
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Analyst Views on RBCAA
About RBCAA
Republic Bancorp, Inc. is the parent company of Republic Bank & Trust Company (the Bank). The Bank provides both traditional and non-traditional banking products. Its segments include Traditional Banking, Warehouse Lending, Tax Refund Solutions (TRS), Republic Payment Solutions (RPS), and Republic Credit Solutions (RCS). Its Traditional Banking products and services are offered through the Company's traditional RB&T brand. The Warehouse segment provides short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit. These credit facilities are primarily secured by single-family, first-lien residential real estate loans. Through the TRS segment, the Bank facilitates the receipt and payment of federal and state tax refund products and offers a credit product through third-party tax preparers. RPS segment offers a range of payments-related products and services to consumers. The Bank operates through over 47 banking centers.
About the author

Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
- Earnings Performance: Republic Bancorp reported a Q4 Non-GAAP EPS of $1.17, indicating the company's ability to maintain profitability in a stable market environment despite challenges from loan losses.
- Loan Loss Provisions: The Core Bank recorded a charge of $277,000 for net charge-offs on loans in Q4, highlighting the need for continued focus on risk management within the loan portfolio, which could impact future profitability.
- Traditional Bank Loan Balances: Consistent with a nominal increase in traditional bank loan balances, a net charge of $270,000 was recorded in Q4, suggesting potential pressure on loan quality that may affect investor confidence.
- Warehouse Balance Changes: During the quarter, outstanding warehouse balances declined by $44 million, resulting in a net credit of $112,000 to the provision, indicating improved liquidity management but potentially reflecting weakened market demand.
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- Earnings Growth: Republic Bancorp's fourth-quarter net income reached $22.821 million, translating to an EPS of $1.17, which marks a significant increase from last year's $19.016 million and $0.98 per share, indicating the company's robust performance in the market.
- Financial Comparison: The net income growth of 15.5% compared to the same period last year highlights effective management in revenue and cost control, enhancing investor confidence in the company's future prospects.
- EPS Improvement: The rise in EPS to $1.17 not only exceeds market expectations but may also attract more investor attention, potentially driving up the stock price and strengthening the company's competitive position in the financial market.
- Positive Market Reaction: This earnings report is likely to boost market confidence in Republic Bancorp, expected to have a positive impact on its stock price and facilitate future capital operations and expansion plans.
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- Net Income Growth: Republic Bancorp reported a net income of $22.8 million for Q4 2025, reflecting a 20% increase year-over-year, with diluted earnings per share rising to $1.17, indicating strong market performance and enhanced profitability.
- Return on Assets Improvement: The company's return on average assets (ROA) increased to 1.28% in Q4 2025 from 1.10% in Q4 2024, showcasing ongoing improvements in asset management and profitability.
- Loan and Deposit Growth: Total period-end deposits rose by $218 million, or 5%, in 2025, while total loans increased by $7 million, demonstrating the company's robust performance in the credit market and effective liquidity management.
- Strategic Restructuring: The company plans to complete the sale of its St. Louis-based Republic Bank Finance in Q1 2026, expecting to realize a net gain of approximately $6 million, which will help optimize the balance sheet and provide funding for future lending opportunities.
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- Leadership Transition: Brad Comer has been promoted to Chief Investment Officer at Republic Bank, succeeding Greg Williams, who has served for 28 years and is set to retire in 2025, ensuring continuity and stability in the bank's investment strategy.
- Extensive Experience: Comer brings over 20 years of experience at Republic Bank, having held various senior positions including Asset/Liability Analyst and Senior Investment Officer, demonstrating a deep understanding of the bank's investment strategy and leadership capabilities.
- Strategic Oversight: In his role as Chief Investment Officer, Comer will oversee the Bank's Treasury and Secondary Mortgage Marketing Departments, manage the investment portfolio, and chair the Asset and Liability Committee, further advancing the bank's investment strategy.
- Community Engagement: Outside of his banking responsibilities, Comer actively participates in community service as the treasurer of the Kentucky Shakespeare Festival and has been a member of the Board Finance Committee at Metro United Way since 2013, reflecting his commitment to social responsibility.
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- Customer Recognition: Republic Bank has been recognized by Newsweek as one of America's Best Regional Banks for three consecutive years, reflecting its exceptional customer service and further solidifying its reputation in the local market.
- Service Commitment: CEO Logan Pichel emphasizes that providing accessible and personalized service is central to their relationship banking approach, aiming to meet the needs of every client, thereby enhancing customer satisfaction and loyalty.
- Community Engagement: Republic Bank is committed to supporting small businesses and community projects, reinforcing its role as a community partner, which promotes local economic development and enhances customer trust.
- Scale and Assets: As of September 30, 2025, Republic Bank had approximately $7.01 billion in total assets and operates 47 banking centers across five states, demonstrating its significant influence in the regional financial services market.
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Upcoming Ex-Dividend Dates: Republic Bancorp, Inc. (RBCAA), Alexander & Baldwin Inc (ALEX), and Hewlett Packard Enterprise Co (HPE) will trade ex-dividend on 12/19/25, with dividends of $0.451, $0.35, and $0.1425 respectively.
Expected Price Adjustments: Following the ex-dividend date, RBCAA is expected to open 0.61% lower, ALEX 1.67% lower, and HPE 0.59% lower based on their respective dividend payouts.
Dividend Yields: The estimated annualized yields for these companies are 2.44% for RBCAA, 6.67% for ALEX, and 2.35% for HPE, indicating potential stability in their dividend payments.
Current Stock Performance: As of Wednesday trading, RBCAA shares are down about 0.6%, ALEX shares are up about 0.1%, and HPE shares are up about 1%.
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