RBCAA

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Republic Bancorp, Inc.

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Key Metrics

Previous Close: $93.40
52-Week Range: $63.97 – $102.22
Market Cap: $1.85B
P/E (TTM): 14.43
EPS (TTM): 6.54
Dividend Yield: 2.12%

Advanced Metrics

Price/Book: 1.60
PEG Ratio: 1.27
Return on Equity: 11.55%
Return on Assets: 1.82%
Gross Margin: 0.00%
Operating Margin: 45.02%
Profit Margin: 33.47%
Current Ratio: —
Debt/Equity: —
Total Debt: $260.89M
Free Cash Flow: —
Revenue Growth: 4.40%
Earnings Growth: 4.00%
Enterprise Value: $1.74B

RBCAA Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$308.73M	$354.27M	$378.96M	$411.12M
Selling, General & Admin	$119.78M	$127.04M	$131.10M	$137.84M
Pretax Income	$116.84M	$113.21M	$127.70M	$165.71M
Income Tax	$25.74M	$22.84M	$26.33M	$34.39M
Net Income	$91.11M	$90.37M	$101.37M	$131.32M
Diluted EPS	4.59	4.62	5.21	6.72
Diluted Shares	20.10M	19.85M	19.74M	19.81M

RBCAA Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$313.69M	$316.57M	$432.15M	$219.97M
Receivables	$10.39M	$87.53M	$92.19M	$19.80M
Total Assets	$5.84B	$6.59B	$6.85B	$7.04B
Long-Term Debt	$95.00M	$380.00M	$395.00M	$506.00M
Total Debt	$132.81M	$415.54M	$432.12M	$538.37M
Total Liabilities	$4.98B	$5.68B	$5.85B	$5.94B
Retained Earnings	$742.25M	$786.49M	$853.63M	$945.40M
Shareholders' Equity	$856.61M	$912.76M	$992.03M	$1.10B
Net Debt	—	$63.43M	—	$286.03M

RBCAA Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$154.79M	$108.53M	$149.00M	$168.21M
Capital Expenditure	-$3.50M	-$6.90M	-$5.81M	-$7.10M
Free Cash Flow	$151.29M	$101.64M	$143.19M	$161.11M
Depreciation & Amortisation	$18.05M	$15.01M	$14.63M	$14.68M
Stock-Based Compensation	$2.98M	$2.74M	$2.82M	$3.11M
Investing Cash Flow	-$254.51M	-$516.95M	-$181.03M	-$436.12M
Financing Cash Flow	-$343.56M	$411.30M	$147.61M	$55.73M
Dividends Paid	-$26.14M	-$28.35M	-$30.51M	-$33.85M
Share Repurchases	-$12.58M	-$20.28M	$0.00	-$72.00K
Net Change in Cash	-$443.28M	$2.88M	$115.58M	-$212.18M

RBCAA Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$92.36M	$91.90M	$92.66M	$119.01M	—
Selling, General & Admin	$32.77M	$34.46M	$37.34M	$34.73M	—
Pretax Income	$40.39M	$37.76M	$27.59M	$55.38M	—
Income Tax	$8.91M	$8.02M	$4.77M	$12.82M	—
Net Income	$31.48M	$29.74M	$22.82M	$42.57M	—
Diluted EPS	1.47	1.52	1.17	2.18	1.53
Diluted Shares	19.78M	19.79M	19.80M	19.83M	19.86M

RBCAA Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$793.02M	$484.81M	$484.24M	$219.97M	$599.11M
Receivables	$92.11M	$95.56M	$95.58M	$19.80M	$20.09M
Total Assets	$7.08B	$6.97B	$7.01B	$7.04B	$7.25B
Long-Term Debt	$370.00M	$370.00M	$375.00M	$506.00M	$366.50M
Total Debt	$406.83M	$405.33M	$408.83M	$538.37M	$397.99M
Total Liabilities	$6.04B	$5.91B	$5.93B	$5.94B	$6.12B
Retained Earnings	$889.69M	$911.34M	$932.04M	$945.40M	$976.26M
Shareholders' Equity	$1.03B	$1.06B	$1.08B	$1.10B	$1.13B
Net Debt	—	—	—	$286.03M	—

RBCAA Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$89.10M	$12.54M	$33.28M	$33.29M	$73.01M
Capital Expenditure	-$1.63M	-$3.28M	-$2.47M	—	-$4.92M
Free Cash Flow	$87.47M	$9.26M	$30.81M	$33.57M	$68.09M
Depreciation & Amortisation	$3.88M	$3.54M	$3.55M	$3.71M	$3.89M
Stock-Based Compensation	$422.00K	$1.03M	$728.00K	$928.00K	$855.00K
Investing Cash Flow	$122.30M	-$205.88M	-$53.88M	-$298.67M	$155.74M
Financing Cash Flow	$149.47M	-$114.87M	$20.03M	$1.11M	$150.38M
Dividends Paid	-$7.80M	-$8.68M	-$8.68M	-$8.69M	-$8.69M
Share Repurchases	—	—	$0.00	$0.00	—
Net Change in Cash	$360.87M	-$308.21M	-$570.00K	-$264.27M	$379.13M

Market Snapshot

About

Republic Bancorp, Inc. is a regional bank holding company headquartered in Louisville, Kentucky, operating through its subsidiary Republic Bank & Trust Company. The bank offers traditional banking services including deposits, loans, and wealth management primarily across Kentucky, Florida, Indiana, Ohio, and Tennessee. Republic Bancorp is known for its refund anticipation loan products offered through tax preparation companies and its community banking operations.