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FBIZ vs RBCAA
Which Stock Would AI Choose? First Business Financial Services (FBIZ) vs. Republic Bancorp (RBCAA) Stock Comparison
Key Takeaways
- FBIZ is a smaller, Wisconsin-based commercial and business bank (roughly $590 million market capitalization) focused on commercial and industrial (C&I) lending and fee-based wealth services.
- RBCAA is a larger, Kentucky-based regional bank holding roughly $7.3 billion in assets, with diversified national business lines such as warehouse lending and tax refund solutions.
- Both names have delivered above-expectation earnings in recent quarters, but their growth drivers, scale, and market positioning differ materially.
- RBCAA has posted stronger relative price momentum over the trailing year, while FBIZ trades at a lower valuation multiple.
- Sentiment on FBIZ has become more mixed among analysts, whereas RBCAA has maintained a record-setting earnings trajectory.
Introduction
Investors evaluating regional bank stocks often weigh scale, growth, diversification, and valuation. This stock comparison examines FBIZ, First Business Financial Services, Inc., and RBCAA, Republic Bancorp, Inc., two financial institutions with distinct business models and footprints. Both have recently reported earnings that exceeded Wall Street expectations, making them useful case studies for understanding relative performance and market positioning in the current interest-rate and credit environment. Income-focused investors, value investors, and traders tracking AI-driven signals may each find this comparison relevant when assessing which institution offers the more consistent trend, stability, and growth profile.
FBIZ Overview and Recent Performance
FBIZ is the parent of First Business Bank, a business-focused lender headquartered in Madison, Wisconsin, with operations concentrated in markets such as Milwaukee and Kansas City. The company emphasizes commercial and industrial lending, asset-based lending, and private wealth services rather than traditional consumer banking.
In recent market activity, FBIZ has shown solid underlying fundamentals. During its most recent reporting period, the bank grew loans by roughly 15% and core deposits by about 14% year over year, while fee income rose nearly 16%. Net interest margin (NIM), a measure of lending profitability, sat near 3.56%, and management guided toward a lower-to-middle position within its target range. Earnings per share (EPS) have beaten consensus estimates in consecutive quarters. However, analyst sentiment has become more mixed in recent weeks, with one firm trimming its price target while another maintained a buy rating. Credit costs have also been a focus, as the bank works through a commercial real estate non-performing relationship. The shares trade at a price-to-earnings (P/E) ratio in the low double digits, with a dividend yield near 2%.
RBCAA Overview and Recent Performance
RBCAA is the holding company for Republic Bank & Trust Company, headquartered in Louisville, Kentucky, with banking centers across five states. Its model spans traditional banking plus specialized national lines of business, including warehouse lending, payment solutions, credit solutions, and tax refund solutions, giving it a more diversified revenue base than many community banks.
Recent performance has been characterized by record results. RBCAA reported record net income for 2025, with diluted EPS rising 29%, and followed with the strongest second quarter in company history in its latest reporting period. Net interest income has expanded, supported by a favorable decline in funding costs and a net interest margin well above typical peer levels. The company has increased its cash dividend for 28 consecutive years and has been recognized in industry rankings for profitability and efficiency. With total assets around $7.3 billion, RBCAA operates at meaningfully larger scale than FBIZ, though its share price has also reflected a richer valuation multiple in the mid-teens.
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Head-to-Head Comparison
The most significant contrast between the two names is scale and diversification. RBCAA operates five reporting segments and national fee-generating businesses, which can smooth earnings across rate and credit cycles. FBIZ is a more focused commercial lender, giving it greater sensitivity to C&I loan demand and credit trends within its regional markets.
On growth, FBIZ has generated faster loan and deposit expansion, while RBCAA has delivered steadier earnings compounding and margin strength. Valuation also diverges: FBIZ trades at a lower P/E multiple, partly reflecting its smaller scale and mixed analyst views, whereas RBCAA commands a premium multiple supported by consistent profitability and a long dividend-growth record. Risk factors differ as well—concentrated credit exposure is a larger consideration for FBIZ, while RBCAA’s specialized segments introduce seasonal and regulatory sensitivity.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings stability, margin strength, and diversification, Tickeron’s AI would likely express a modest preference for RBCAA in the current environment. The stock’s record-setting earnings trajectory, favorable net interest margin, extended dividend-growth history, and more diversified revenue streams suggest a relatively more consistent and resilient trend profile. FBIZ offers a cheaper valuation and stronger near-term loan growth, but mixed analyst revisions and concentrated credit considerations introduce somewhat greater uncertainty. As always, these signals represent probabilistic, data-driven positioning rather than a definitive forecast.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FBIZ is a Buy and RBCAA is a Buy.
Momentum Indicator for FBIZ turns positive, indicating new upward trend
FBIZ saw its Momentum Indicator move above the 0 level on October 20, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 77 similar instances where the indicator turned positive. In 53 of the 77 cases, the stock moved higher in the following days. The odds of a move higher are at 69%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Moving Average Convergence Divergence (MACD) for FBIZ just turned positive on October 20, 2026. Looking at past instances where FBIZ's MACD turned positive, the stock continued to rise in 22 of 43 cases over the following month. The odds of a continued upward trend are 51%.
FBIZ moved above its 50-day moving average on October 20, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for FBIZ crossed bullishly above the 50-day moving average on October 23, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 8 of 18 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 44%.
Following a +5.44% 3-day Advance, the price is estimated to grow further. Considering data from situations where FBIZ advanced for three days, in 180 of 293 cases, the price rose further within the following month. The odds of a continued upward trend are 61%.
The Aroon Indicator entered an Uptrend today. In 120 of 249 cases where FBIZ Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 48%.
Bearish Trend Analysis
The 10-day RSI Indicator for FBIZ moved out of overbought territory on November 05, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 41 similar instances where the indicator moved out of overbought territory. In 28 of the 41 cases, the stock moved lower in the following days. This puts the odds of a move lower at 68%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 30 of 56 cases where FBIZ's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 54%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FBIZ declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
FBIZ broke above its upper Bollinger Band on October 30, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 4 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 14 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 31 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 39 (best 1 - 100 worst), indicating steady price growth. FBIZ’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 61 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.619) is normal, around the industry mean (1.262). P/E Ratio (11.308) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (0.130) is also within normal values, averaging (1.194). Dividend Yield (0.018) settles around the average of (0.035) among similar stocks. P/S Ratio (3.301) is also within normal values, averaging (3.740).
RBCAA's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for RBCAA turned positive on October 22, 2026. Looking at past instances where RBCAA's MACD turned positive, the stock continued to rise in 31 of 45 cases over the following month. The odds of a continued upward trend are 69%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
Following a +1.74% 3-day Advance, the price is estimated to grow further. Considering data from situations where RBCAA advanced for three days, in 167 of 287 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
RBCAA may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on RBCAA as a result. In 49 of 82 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 60%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where RBCAA declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
The Aroon Indicator for RBCAA entered a downward trend on October 23, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 8 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 13 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 20 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 45 (best 1 - 100 worst), indicating steady price growth. RBCAA’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 89 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.543) is normal, around the industry mean (1.262). P/E Ratio (13.858) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (2.290) is also within normal values, averaging (1.194). Dividend Yield (0.022) settles around the average of (0.035) among similar stocks. P/S Ratio (4.630) is also within normal values, averaging (3.740).
FBIZ | RBCAA | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 38 | 62 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 61 Fair valued | 89 Overvalued | |
PROFIT vs RISK RATING 1..100 | 4 | 8 | |
SMR RATING 1..100 | 31 | 20 | |
PRICE GROWTH RATING 1..100 | 39 | 45 | |
P/E GROWTH RATING 1..100 | 14 | 13 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FBIZ's Valuation (61) in the Financial Conglomerates industry is in the same range as RBCAA (89) in the Regional Banks industry. This means that FBIZ’s stock grew similarly to RBCAA’s over the last 12 months.
FBIZ's Profit vs Risk Rating (4) in the Financial Conglomerates industry is in the same range as RBCAA (8) in the Regional Banks industry. This means that FBIZ’s stock grew similarly to RBCAA’s over the last 12 months.
RBCAA's SMR Rating (20) in the Regional Banks industry is in the same range as FBIZ (31) in the Financial Conglomerates industry. This means that RBCAA’s stock grew similarly to FBIZ’s over the last 12 months.
FBIZ's Price Growth Rating (39) in the Financial Conglomerates industry is in the same range as RBCAA (45) in the Regional Banks industry. This means that FBIZ’s stock grew similarly to RBCAA’s over the last 12 months.
RBCAA's P/E Growth Rating (13) in the Regional Banks industry is in the same range as FBIZ (14) in the Financial Conglomerates industry. This means that RBCAA’s stock grew similarly to FBIZ’s over the last 12 months.
| FBIZ | RBCAA | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 68% | N/A |
| Stochastic ODDS (%) | 2 days ago 54% | 2 days ago 57% |
| Momentum ODDS (%) | 2 days ago 69% | 2 days ago 60% |
| MACD ODDS (%) | 2 days ago 51% | 2 days ago 69% |
| TrendWeek ODDS (%) | 2 days ago 55% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 58% | 2 days ago 63% |
| Advances ODDS (%) | 10 days ago 61% | 27 days ago 58% |
| Declines ODDS (%) | 6 days ago 54% | 6 days ago 54% |
| BollingerBands ODDS (%) | 2 days ago 65% | 2 days ago 56% |
| Aroon ODDS (%) | 2 days ago 48% | 2 days ago 48% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FBIZ’s FA Score shows that 3 FA rating(s) are green while RBCAA’s FA Score has 3 green FA rating(s).
- FBIZ’s FA Score: 3 green, 2 red.
- RBCAA’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FBIZ’s TA Score shows that 6 TA indicator(s) are bullish while RBCAA’s TA Score has 4 bullish TA indicator(s).
- FBIZ’s TA Score: 6 bullish, 4 bearish.
- RBCAA’s TA Score: 4 bullish, 3 bearish.
Price Growth
FBIZ (@Regional Banks) experienced а -1.90% price change this week, while RBCAA (@Regional Banks) price change was +0.43% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.23%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +11.80%.
Reported Earning Dates
FBIZ is expected to report earnings on Jan 28, 2027.
RBCAA is expected to report earnings on Jan 22, 2027.
Industries' Descriptions
@Regional Banks (-1.23% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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FBIZ and
Correlation & Price change
A.I.dvisor indicates that over the last year, FBIZ has been closely correlated with THFF. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if FBIZ jumps, then THFF could also see price increases.
| Ticker / NAME | Correlation To FBIZ | 1D Price Change % | ||
|---|---|---|---|---|
| FBIZ | 100% | -0.78% | ||
| THFF - FBIZ | 84% Closely correlated | +0.29% | ||
| SRCE - FBIZ | 84% Closely correlated | -0.50% | ||
| FMBH - FBIZ | 83% Closely correlated | -0.50% | ||
| MBWM - FBIZ | 83% Closely correlated | -0.44% | ||
| BY - FBIZ | 83% Closely correlated | -0.08% | ||
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RBCAA and
Correlation & Price change
A.I.dvisor indicates that over the last year, RBCAA has been closely correlated with SRCE. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if RBCAA jumps, then SRCE could also see price increases.
| Ticker / NAME | Correlation To RBCAA | 1D Price Change % | ||
|---|---|---|---|---|
| RBCAA | 100% | -0.34% | ||
| SRCE - RBCAA | 82% Closely correlated | -0.50% | ||
| NBTB - RBCAA | 80% Closely correlated | -0.43% | ||
| SMBC - RBCAA | 79% Closely correlated | -0.60% | ||
| FMBH - RBCAA | 79% Closely correlated | -0.50% | ||
| FBIZ - RBCAA | 79% Closely correlated | -0.78% | ||
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