Republic Bancorp Inc Ky SEC Filings

On 2 July 2025, Auburn National Bancorporation (AUBN) director David E. Housel filed a Form 4 reporting two DRIP/optional cash purchases of the company’s common stock.

• 38 shares acquired at $24.6912
• 17 shares acquired at $23.2233

Housel’s direct holdings rose from an estimated 8,476 to 8,531 shares, a 0.6% increase, at a total outlay of roughly $1,338. No derivative securities were involved, and no Rule 10b5-1 plan was indicated.

While insider buying is generally viewed positively, the transaction size—55 shares versus AUBN’s ~3.6 million shares outstanding—is immaterial from a valuation or liquidity standpoint. The filing nevertheless provides a nominal signal of continued board-level confidence in the bank.

Republic Bancorp Inc. (RBCAA) – Form 4 Insider Transaction

Director Vidya Ravichandran reported an open-market acquisition of Class A common stock on 30 June 2025. The filing shows the purchase of 109.42 shares at an average price of $73.11 per share, representing a cash outlay of roughly $8,000. Following the transaction, Ravichandran’s directly held position increased to 2,670.49 shares. No derivative‐security activity was reported.

The transaction was coded “A,” indicating an acquisition rather than a sale or award conversion. While the purchase is modest in size relative to Republic Bancorp’s public float, additional insider buying can be viewed as a signal of director confidence in the bank’s near-term prospects.

On 06/30/2025, Target Hospitality Corp. (TH) EVP, General Counsel & Secretary Heidi D. Lewis reported a compensation-related equity conversion. She exercised 37,500 performance-based restricted stock units (PSUs) into common shares (code M). To cover payroll taxes, she withheld 9,131 shares at $7.12 each (code F), leaving a net addition of 28,369 shares. Lewis now directly owns 184,454 TH shares.

The PSUs originated from a 07/12/2022 award that allowed up to 75,000 units. The filing shows 37,500 units vested after stock-price hurdles were met, while the remaining 37,500 units were forfeited (code D). No open-market buying or selling occurred; all activity was internal equity compensation.

Although the absolute share count is modest relative to TH’s float, insider accumulation—especially by a senior legal executive—may be interpreted as a constructive signal of management confidence and alignment with shareholder interests.

UBS AG London Branch is marketing a new five-year structured note titled Trigger Autocallable Contingent Yield Notes, CUSIP 90309KAH7, that will settle on or about 10 July 2025 and mature on or about 11 July 2030 (unless called earlier). Each $1,000 note pays a fixed contingent coupon of 8.00% per annum, assessed quarterly. A coupon is paid only when, on the relevant observation date, the closing level of all three underlying assets – the SPDR EURO STOXX 50 ETF (FEZ), the VanEck Gold Miners ETF (GDX) and the S&P 500 Index (SPX) – is at or above its Coupon Barrier set at 70 % of the initial level.

Automatic call. Beginning after the first year, UBS will redeem the notes at par plus the coupon if, on any quarterly observation date, every underlying closes at or above 100 % of its initial level (the Call Threshold). If called, investors receive no further coupons.

Principal repayment. If the notes are not called, principal is protected only when the final level of each underlying is at or above its Downside Threshold of 60 % of the initial level. Should any single asset finish below that threshold, repayment is reduced by the percentage decline of the worst performer, exposing investors to up to a 100 % loss of principal.

Indicative economics. • Issue price: $1,000. • Estimated initial value: $876.50 – $906.50 (87.7 %-90.7 % of face), reflecting underwriting fees, hedging costs and UBS’s internal funding spread. • Underwriting discount: up to $41.25 (4.125 %) per note; net proceeds to issuer at least $958.75. • Quarterly coupon amount: $20.00 per $1,000. • Notes are unsecured, unsubordinated obligations of UBS AG and are not FDIC-insured. • No exchange listing; secondary liquidity, if any, will be provided solely by UBS Securities LLC or affiliates.

Risk highlights. Investors face: credit risk of UBS; market risk of three uncorrelated assets, with performance based on the least-performing component; potential to receive zero coupons; significant downside below the 60 % barrier; valuation and liquidity pressures from embedded fees; reinvestment risk if the notes are called early; and complex tax treatment (see “Material U.S. Federal Income Tax Consequences”).

The product may appeal to investors seeking enhanced income and willing to accept concentrated downside exposure, limited upside (coupons only), issuer credit risk and illiquidity for up to five years.

On 06/30/2025, Republic Bancorp (RBCAA) director Heather V. Howell executed an open-market purchase of 68.39 Class A common shares at $73.11 per share, for a total consideration of roughly $5,000. The transaction lifts her direct holding to 8,480.17 shares. Insider buying can be read as a confidence signal, yet the trade represents a negligible fraction of the company’s outstanding shares and is unlikely to affect ownership structure or valuation. Overall, this Form 4 is a routine disclosure with limited market impact.

Orange County Bancorp, Inc. (OBT) – Form 4 insider filing. Director Olga Luz Tirado reported a routine equity award dated 01 July 2025. The grant consists of 47 phantom stock units priced at $26.49 each. Phantom units mirror common stock performance and are payable after board service ends. No open-market purchases or sales of common shares occurred. Tirado now beneficially owns 2,097 common shares (including restricted stock units that vest 20 Feb 2026) and 147 phantom units. The transaction modestly increases the director’s equity exposure but, given its small dollar value, is unlikely to alter the company’s ownership structure or signal a material shift in insider sentiment.

Guild Holdings Co. (GHLD) – Form 4 insider transaction

President & Chief Operating Officer David Manuel Neylan filed a Form 4 covering activity on 1 July 2025. The filing shows a Code F transaction, meaning 1,750 Class A common shares were withheld at $19.79 each to satisfy tax obligations tied to the vesting of previously granted restricted stock units (RSUs). After this non-open-market disposition, Neylan’s direct beneficial ownership stands at 429,424 shares, which includes dividend equivalent units associated with the RSUs. No derivative securities were acquired or sold, and no additional open-market trades were disclosed.

The transaction is administrative in nature, does not reflect a discretionary sale, and leaves Neylan with a substantial equity stake aligned with shareholders. The filing contains no broader financial data, strategic commentary, or indication of material operational developments for Guild Holdings.

C3.ai, Inc. (ticker AI) has filed a Form 144 indicating that an insider intends to sell 9,533 common shares through Merrill Lynch on or about 2 July 2025. The shares are valued at approximately $238,325, representing roughly 0.007 % of the company’s 130.9 million shares outstanding. The notice also reveals that the insider—identified in prior-sale data as Merel Witteveen—has already disposed of 24,741 shares during the last three months, generating about $617,727 in gross proceeds. All shares being sold were acquired via routine restricted stock unit (RSU) vestings between May 2024 and June 2025. While the transaction is small relative to the company’s market capitalization, continued insider selling can be interpreted by some investors as a modestly bearish sentiment signal.

Deal overview. The Toronto-Dominion Bank (TD) plans to issue senior unsecured Contingent Income Auto-Callable Securities maturing 10 July 2026 that are linked to the common stock of Apple Inc. (AAPL).

Key economics. Investors pay US$1,000 per note and may receive a quarterly contingent coupon of US$28.55 (11.42% p.a.) on any determination date at which AAPL closes at or above 80% of its initial share price (the “downside threshold”). If on any of the first three determination dates AAPL closes at or above 100% of the initial share price (the “call threshold”), the notes are automatically redeemed for par plus the coupon. If not redeemed, principal is protected only when the final price is at or above the 80% threshold; otherwise holders suffer a 1-to-1 loss on the decline in AAPL, potentially forfeiting their entire investment.

Structural and credit considerations. • Tenor: ~12 months (pricing 7 Jul 2025, maturity 10 Jul 2026). • Estimated value: US$940-975 (94-97.5% of issue price) reflecting dealer margin and hedge costs. • Distribution fees total US$17.50 per note (1.75%). • TD is the sole calculation agent; all payments depend on TD’s credit as senior unsecured obligations of its Series H debt. • Notes will not list on an exchange; secondary liquidity, if any, will be provided on a best-efforts basis by TD affiliates and may be materially below par.

Risk/return profile. Investors trade equity upside and dividend participation for an above-market coupon that is contingent, limited upside (coupons only) and full downside exposure below the 80% barrier. Automatic redemption can shorten the holding period, creating reinvestment risk. In adverse scenarios—persistent AAPL weakness or a TD credit event—investors may earn no coupons and lose significant principal.

Target investor. Suitable only for investors who: 1) are comfortable with single-stock volatility, 2) can tolerate 100% capital loss, 3) desire potentially high income for one year, and 4) accept TD credit and liquidity risk.