RBCAA vs. NBN

Last updated Jun 4, 2026

RBCAA (Republic Bancorp, Inc.) and NBN (Northeast Bank) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, RBCAA returned 14.76%/yr vs 27.15%/yr for NBN. At a 0.17 correlation, their price movements are largely independent.

Performance

RBCAA vs. NBN - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Republic Bancorp, Inc. (RBCAA) and Northeast Bank (NBN). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, RBCAA achieves a 18.21% return, which is significantly higher than NBN's 13.56% return. Over the past 10 years, RBCAA has underperformed NBN with an annualized return of 14.76%, while NBN has yielded a comparatively higher 27.15% annualized return.

RBCAA

• 1D: -1.70%
• 1M: 6.79%
• YTD: 18.21%
• 6M: 16.51%
• 1Y: 19.65%
• 3Y*: 25.52%
• 5Y*: 14.96%
• 10Y*: 14.76%

NBN

• 1D: -2.66%
• 1M: -4.27%
• YTD: 13.56%
• 6M: 27.99%
• 1Y: 44.77%
• 3Y*: 47.54%
• 5Y*: 31.23%
• 10Y*: 27.15%

*Multi-year figures are annualized to reflect compound growth (CAGR)

RBCAA vs. NBN - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
RBCAA Republic Bancorp, Inc.	18.21%	1.29%	30.27%	39.36%	-16.94%	44.53%	-20.18%	23.71%	4.17%	-1.55%
NBN Northeast Bank	13.56%	13.35%	66.31%	31.21%	17.95%	58.86%	2.63%	31.69%	-27.59%	77.10%

Correlation

The correlation between RBCAA and NBN is 0.66, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.66
Correlation (3Y) Calculated over the trailing 3-year period	0.62
Correlation (5Y) Calculated over the trailing 5-year period	0.52
Correlation (10Y) Calculated over the trailing 10-year period	0.43
Correlation (All Time) Calculated using the full available price history since Jul 23, 1998	0.17

Over the past year, RBCAA and NBN have become more correlated (0.66) than their long-term average of 0.17, meaning their price movements have been converging.

Fundamentals

Market Cap RBCAA : $1.61B NBN : $996.75M
EPS RBCAA : $4.24 NBN : $11.67
PE Ratio RBCAA : 19.08 NBN : 10.11
PEG Ratio RBCAA : 1.55 NBN : 1.13
PS Ratio RBCAA : 4.51 NBN : 2.65
PB Ratio RBCAA : 1.42 NBN : 1.76
Total Revenue (TTM) RBCAA : $355.22M NBN : $375.47M
Gross Profit (TTM) RBCAA : $264.60M NBN : $226.92M
EBITDA (TTM) RBCAA : $112.84M NBN : $144.04M

Return for Risk

RBCAA vs. NBN — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

RBCAA

RBCAA Risk / Return Rank: 63
RBCAA Sharpe Ratio Rank: 66
RBCAA Sortino Ratio Rank: 61
RBCAA Omega Ratio Rank: 57
RBCAA Calmar Ratio Rank: 65
RBCAA Martin Ratio Rank: 64

NBN

NBN Risk / Return Rank: 72
NBN Sharpe Ratio Rank: 77
NBN Sortino Ratio Rank: 73
NBN Omega Ratio Rank: 71
NBN Calmar Ratio Rank: 70
NBN Martin Ratio Rank: 72

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

RBCAA vs. NBN - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Republic Bancorp, Inc. (RBCAA) and Northeast Bank (NBN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	RBCAA	NBN	Difference
Sharpe ratio: Return per unit of total volatility	0.76	1.29	-0.53
Sortino ratio: Return per unit of downside risk	1.29	1.90	-0.61
Omega ratio: Gain probability vs. loss probability	1.15	1.23	-0.09
Calmar ratio: Return relative to maximum drawdown	1.23	1.63	-0.40
Martin ratio: Return relative to average drawdown	2.58	4.18	-1.60
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

RBCAA vs. NBN - Sharpe Ratio Comparison

The current RBCAA Sharpe Ratio is 0.76, which is lower than the NBN Sharpe Ratio of 1.29. The chart below compares the historical Sharpe Ratios of RBCAA and NBN, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	RBCAA	NBN	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.76	1.29	-0.53
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.54	0.95	-0.41
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.45	0.67	-0.22
Sharpe Ratio (All Time) Calculated using the full available price history	0.25	0.26	-0.02

Drawdowns

RBCAA vs. NBN - Drawdown Comparison

The maximum RBCAA drawdown since its inception was -64.45%, smaller than the maximum NBN drawdown of -70.51%. Use the drawdown chart below to compare losses from any high point for RBCAA and NBN.

Drawdown Indicators

	RBCAA	NBN	Difference
Max Drawdown Largest peak-to-trough decline	-64.45%	-70.51%	+6.06%
Max Drawdown (1Y) Largest decline over 1 year	-15.98%	-27.57%	+11.59%
Max Drawdown (3Y) Largest decline over 3 years	-21.56%	-27.57%	+6.01%
Max Drawdown (5Y) Largest decline over 5 years	-31.07%	-29.30%	-1.77%
Max Drawdown (10Y) Largest decline over 10 years	-44.67%	-70.25%	+25.58%
Current Drawdown Current decline from peak	-1.70%	-8.66%	+6.96%
Average Drawdown Average peak-to-trough decline	-19.98%	-23.74%	+3.76%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.63%	10.74%	-3.11%

Volatility

RBCAA vs. NBN - Volatility Comparison

The current volatility for Republic Bancorp, Inc. (RBCAA) is 5.85%, while Northeast Bank (NBN) has a volatility of 9.25%. This indicates that RBCAA experiences smaller price fluctuations and is considered to be less risky than NBN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	RBCAA	NBN	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.85%	9.25%	-3.40%
Volatility (6M) Calculated over the trailing 6-month period	18.68%	23.79%	-5.11%
Volatility (1Y) Calculated over the trailing 1-year period	26.06%	34.85%	-8.79%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	27.84%	32.89%	-5.05%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	32.92%	40.75%	-7.83%

Dividends

RBCAA vs. NBN - Dividend Comparison

RBCAA's dividend yield for the trailing twelve months is around 2.28%, more than NBN's 0.03% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
NBN Northeast Bank	0.03%	0.04%	0.04%	0.07%	0.10%	0.11%	0.18%	0.18%	0.24%	0.17%	0.31%	0.38%
RBCAA Republic Bancorp, Inc.	2.28%	2.61%	2.33%	2.71%	3.33%	2.42%	3.17%	2.26%	2.50%	2.29%	2.09%	2.96%

Financials

Frequently Asked Questions

Can I hold both RBCAA and NBN in my portfolio?

RBCAA and NBN have a correlation of 0.66, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, RBCAA or NBN?

NBN has higher volatility (9.25%) compared to RBCAA (5.85%). In terms of maximum drawdown, RBCAA dropped -64.45% vs NBN's -70.51%.

Which has better risk-adjusted returns?

NBN currently has the higher Sharpe Ratio (1.29 vs 0.76), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.