RBCAA · Republic Bancorp Inc /Ky/ - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · RBCAA

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$417.50M	$384.80M	$360.24M	$326.50M	$307.45M	$319.37M
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
R&D	-	-	-	-	-	-
SG&A	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-
D&A	$6.68M	$6.91M	$7.06M	$7.60M	$8.99M	$9.72M
Operating Income	$165.71M	$127.70M	$113.21M	$102.63M	$110.34M	$102.63M
Interest Expense	-	-	$67.28M	$7.49M	$5.67M	$19.94M
Income Tax	$34.39M	$26.33M	$22.84M	$25.74M	$23.55M	$19.39M
Net Income	$131.32M	$101.37M	$90.37M	$91.11M	$86.79M	$83.25M
EPS - Basic	$6.13◇	$4.76◇	$4.21◇	$4.19◇	$4.29◇	-
EPS - Diluted	$6.72◇	$5.21◇	$4.20◇	$4.59◇	$3.89◇	-

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$219.97M	$432.15M	$316.57M	$313.69M	$756.97M	$485.59M
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$7.04B	$6.85B	$6.59B	$5.84B	$6.09B	$6.17B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	-	-	-	-	-	-
Total Liabilities	$5.94B	$5.85B	$5.68B	$4.98B	$5.26B	$5.35B
Stockholders' Equity	$1.10B	$992.03M	$912.76M	$856.61M	$834.23M	$823.32M
Retained Earnings	$945.40M	$853.63M	$786.49M	$742.25M	$687.70M	$666.28M

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	$168.21M	$149.00M	$108.53M	$154.79M	$99.43M	$68.43M
Investing Cash Flow	($436.12M)	($181.03M)	($516.95M)	($254.51M)	$306.55M	($415.02M)
Financing Cash Flow	$55.73M	$147.61M	$411.30M	($343.56M)	($134.60M)	$446.87M
CapEx	$7.10M	$5.81M	$6.90M	$3.50M	$5.79M	$3.58M
Free Cash Flow	$161.11M	$143.19M	$101.64M	$151.29M	$93.65M	$64.85M

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	-	-	-	-	-	-
Operating margin	39.7%	33.2%	31.4%	31.4%	35.9%	32.1%
EBITDA margin	41.3%	35.0%	33.4%	33.8%	38.8%	35.2%
Net margin	31.5%	26.3%	25.1%	27.9%	28.2%	26.1%
Free cash flow margin	38.6%	37.2%	28.2%	46.3%	30.5%	20.3%
FCF / Net income	1.23	1.41	1.12	1.66	1.08	0.78
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	-	-	-	-	-	-
Effective tax rate	20.8%	20.6%	20.2%	22.0%	21.3%	18.9%
Return on assets	1.9%	1.5%	1.4%	1.6%	1.4%	1.3%
Return on equity	11.9%	10.2%	9.9%	10.6%	10.4%	10.1%
Return on invested capital	-	-	-	-	-	-
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	-	-	-	-	-	-
Debt / Assets	-	-	-	-	-	-
Debt / EBITDA	-	-	-	-	-	-
Interest coverage	-	-	1.7x	13.7x	19.5x	5.1x
Equity multiplier	6.39	6.90	7.23	6.81	7.30	7.49
Liabilities / Assets	0.84	0.86	0.86	0.85	0.86	0.87
Efficiency
Asset turnover	0.06	0.06	0.05	0.06	0.05	0.05
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	10.3x	13.4x	13.1x	8.9x	13.1x	-
P / B	1.2x	1.4x	1.2x	1.0x	1.3x	0.9x
P / S	3.3x	3.6x	3.0x	2.5x	3.4x	2.4x
EV / EBITDA	6.7x	7.0x	6.5x	4.6x	2.5x	2.4x
Growth
Revenue growth (YoY)	8.5%	6.8%	10.3%	6.2%	-3.7%	2.6%
Revenue CAGR (3y)	8.5%	7.8%	4.1%	1.6%	2.0%	-
Revenue CAGR (5y)	5.5%	4.3%	4.5%	-	-	-
Gross profit growth (YoY)	-	-	-	-	-	-
Operating income growth (YoY)	29.8%	12.8%	10.3%	-7.0%	7.5%	-9.3%
Net income growth (YoY)	29.5%	12.2%	-0.8%	5.0%	4.3%	-9.2%
EPS growth (YoY)	29.0%	24.0%	-8.5%	18.0%	-	-
EPS CAGR (3y)	13.5%	10.2%	-	-	-	-
EPS CAGR (5y)	-	-	-	-	-	-
FCF growth (YoY)	12.5%	40.9%	-32.8%	61.6%	44.4%	-23.1%
FCF CAGR (5y)	20.0%	11.2%	-1.6%	18.3%	18.2%	7.7%
Book value growth (YoY)	11.1%	8.7%	6.6%	2.7%	1.3%	7.7%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$834.99M total

Core Banking Activities$288.34M · 34.5%

Traditional Banking$273.64M · 32.8%

Republic Processing Group$129.15M · 15.5%

Republic Credit Solutions Division$63.80M · 7.6%

Tax Refund Solutions Segment$48.44M · 5.8%

Republic Payment Solutions Segment$16.91M · 2.0%

Warehouse Lending$14.70M · 1.8%

Product / service

$50.13M total

Transfer Agent$17.68M · 35.3%

Deposit Account$14.44M · 28.8%

Credit And Debit Card$12.19M · 24.3%

Financial Service Other$6.03M · 12.0%

Gain Loss On Other Real Estate Owned($211.0K) · -0.4%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9

Neutral

✓Net income positive
✓Operating cash flow positive
✓ROA improved YoY
✓Cash flow > net income
-Long-term debt decreased
-Current ratio improved
✓No share dilution
-Gross margin improved
✓Asset turnover improved

Peer comparison

Same SIC group: State Commercial Banks

Company	Revenue (last FY)	Net margin	ROE
ASB	-	-	9.5%
CZNC	$5.98M	392.0%	6.9%
CBSH	-	-	14.9%
SBSI	-	-	8.2%
BUSE	$719.58M	18.8%	5.5%

Comparing REPUBLIC BANCORP INC /KY/ against the 5 most active filers in the same SIC group.

Dividends

$1.85/share trailing 12 months · +10.5% YoY

Ex-date	Per share
Mar 20, 2026	$0.4950
Dec 19, 2025	$0.4510
Sep 19, 2025	$0.4510
Jun 20, 2025	$0.4510
Mar 21, 2025	$0.4510
Dec 20, 2024	$0.4070
Sep 20, 2024	$0.4070
Jun 21, 2024	$0.4070
Mar 14, 2024	$0.4070
Dec 14, 2023	$0.3740
Sep 14, 2023	$0.3740
Jun 15, 2023	$0.3740
Mar 16, 2023	$0.3740
Dec 15, 2022	$0.3410
Sep 15, 2022	$0.3410
Jun 16, 2022	$0.3410
Mar 17, 2022	$0.3410
Dec 16, 2021	$0.3080
Sep 16, 2021	$0.3080
Jun 17, 2021	$0.3080
Mar 18, 2021	$0.3080
Dec 17, 2020	$0.2860
Sep 17, 2020	$0.2860
Jun 18, 2020	$0.2860

Cells marked with a small ◇ are sourced from SEC's bulk Financial Statement Data Sets, which can lose dimensional context (notably Revenue and Operating Income for issuers that report by segment). These cells will be replaced with authoritative values from the Company Facts API as the backfill completes.