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.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $120.41M | - | $93.54M | $93.85M | $135.84M | - | $88.12M | $86.88M | $120.29M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $55.38M | - | $37.76M | $40.39M | $59.96M | - | $33.85M | $32.10M | $38.70M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $33.71M | - |
| Income Tax | $12.82M | - | $8.02M | $8.91M | $12.69M | - | $7.31M | $6.90M | $8.09M | - |
| Net Income | $42.57M | - | $29.74M | $31.48M | $47.27M | - | $26.54M | $25.21M | $30.61M | - |
| EPS - Basic | - | - | - | - | - | - | - | - | - | - |
| EPS - Diluted | - | - | - | - | - | - | - | - | - | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $599.11M | $219.97M | $484.24M | $484.81M | $793.02M | $432.15M | $530.87M | $400.06M | $546.36M | $316.57M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $7.25B | $7.04B | $7.01B | $6.97B | $7.08B | $6.85B | $6.69B | $6.62B | $6.88B | $6.59B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $6.12B | $5.94B | $5.93B | $5.91B | $6.04B | $5.85B | $5.71B | $5.66B | $5.94B | $5.68B |
| Stockholders' Equity | $1.13B | $1.10B | $1.08B | $1.06B | $1.03B | $992.03M | $979.71M | $955.42M | $935.58M | $912.76M |
| Retained Earnings | $976.26M | $945.40M | $932.04M | $911.34M | $889.69M | $853.63M | $842.51M | $825.50M | $808.84M | $786.49M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $73.01M | - | - | - | $93.19M | - | - | - | $71.22M | - |
| Investing Cash Flow | $155.74M | - | - | - | $118.21M | - | - | - | ($77.74M) | - |
| Financing Cash Flow | $150.38M | - | - | - | $149.47M | - | - | - | $236.32M | - |
| CapEx | $4.92M | - | - | - | $1.63M | - | - | - | $2.09M | - |
| Free Cash Flow | $68.09M | - | - | - | $91.56M | - | - | - | $69.13M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 46.0% | - | 40.4% | 43.0% | 44.1% | - | 38.4% | 37.0% | 32.2% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 35.4% | - | 31.8% | 33.5% | 34.8% | - | 30.1% | 29.0% | 25.4% | - |
| Free cash flow margin | 56.5% | - | - | - | 67.4% | - | - | - | 57.5% | - |
| FCF / Net income | 1.60 | - | - | - | 1.94 | - | - | - | 2.26 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 23.1% | - | 21.2% | 22.1% | 21.2% | - | 21.6% | 21.5% | 20.9% | - |
| Return on assets | 0.6% | - | 0.4% | 0.5% | 0.7% | - | 0.4% | 0.4% | 0.4% | - |
| Return on equity | 3.8% | - | 2.7% | 3.0% | 4.6% | - | 2.7% | 2.6% | 3.3% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 1.1x | - |
| Equity multiplier | 6.40 | 6.39 | 6.47 | 6.58 | 6.84 | 6.90 | 6.83 | 6.93 | 7.35 | 7.23 |
| Liabilities / Assets | 0.84 | 0.84 | 0.85 | 0.85 | 0.85 | 0.86 | 0.85 | 0.86 | 0.86 | 0.86 |
| Efficiency | ||||||||||
| Asset turnover | 0.02 | - | 0.01 | 0.01 | 0.02 | - | 0.01 | 0.01 | 0.02 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | 1.2x | - | 1.3x | 1.4x | 1.2x | - | 1.3x | 1.1x | 1.1x | - |
| P / S | 11.6x | - | 15.3x | 15.4x | 9.3x | - | 14.6x | 12.2x | 8.3x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -11.4% | - | 6.2% | 8.0% | 12.9% | - | 11.8% | 3.2% | 4.3% | - |
| Revenue CAGR (3y) | 1.4% | - | 8.6% | 4.7% | 13.2% | - | 7.8% | 9.9% | 7.5% | - |
| Revenue CAGR (5y) | 4.5% | - | 5.1% | 5.8% | 5.6% | - | 5.2% | 4.7% | 3.8% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -7.6% | - | 11.6% | 25.8% | 54.9% | - | 25.0% | 21.1% | 7.2% | - |
| Net income growth (YoY) | -9.9% | - | 12.1% | 24.9% | 54.4% | - | 23.0% | 19.7% | 8.9% | - |
| EPS growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | -25.6% | - | - | - | 32.4% | - | - | - | 0.1% | - |
| FCF CAGR (5y) | 36.8% | - | - | - | 27.6% | - | - | - | 9.8% | - |
| Book value growth (YoY) | 9.6% | 11.1% | 10.7% | 11.0% | 10.5% | 8.7% | 9.7% | 7.7% | 6.1% | 6.6% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$834.99M totalCore 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 totalTransfer 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%
Peer comparison
Same SIC group: State Commercial Banks
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 |