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Republic Bancorp (RBCAA) Financials

Republic Bancorp logo
$69.97 +0.97 (+1.41%)
Closing price 05/2/2025 04:00 PM Eastern
Extended Trading
$69.97 0.00 (0.00%)
As of 05/2/2025 04:05 PM Eastern
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Annual Income Statements for Republic Bancorp

Annual Income Statements for Republic Bancorp

This table shows Republic Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 29 35 46 46 78 92 83 88 91 92 101
Consolidated Net Income / (Loss)		 29 35 46 46 78 92 83 88 91 90 101
Net Income / (Loss) Continuing Operations		 29 35 46 46 78 92 83 88 91 92 101
Total Pre-Tax Income 		44 53 69 78 94 113 103 111 117 113 128
Total Revenue		 155 172 214 257 289 311 319 309 327 362 385
Net Interest Income / (Expense)		 113 124 156 199 226 236 232 223 237 289 312
Total Interest Income		 132 142 174 219 256 281 252 228 244 356 433
Loans and Leases Interest Income		 123 134 164 206 238 260 241 220 221 325 388
Investment Securities Interest Income		 9.02 8.47 9.76 13 19 21 11 8.81 23 31 45
Total Interest Expense		 20 18 18 20 30 45 20 5.67 7.49 67 121
Deposits Interest Expense		 3.91 4.38 6.06 9.80 17 29 15 5.04 6.76 51 102
Short-Term Borrowings Interest Expense		 0.11 0.09 0.07 0.50 1.13 1.21 0.18 0.06 0.40 0.57 0.55
Long-Term Debt Interest Expense		 16 14 12 9.95 12 14 4.68 0.56 0.34 15 18
Total Non-Interest Income		 43 48 58 58 63 75 87 87 90 71 73
Other Service Charges		 27 28 13 20 6.23 0.00 7.10 14 16 16 18
Other Non-Interest Income		 17 19 28 25 57 62 80 72 74 58 55
Provision for Credit Losses		 2.86 5.40 14 28 31 26 31 15 22 48 54
Total Non-Interest Expense		 108 113 130 151 164 172 185 183 187 199 203
Salaries and Employee Benefits		 54 58 70 82 91 99 106 110 111 116 119
Net Occupancy & Equipment Expense		 26 25 28 32 35 38 43 43 42 43 45
Marketing Expense		 3.26 3.16 3.78 5.19 4.43 5.02 4.03 4.39 6.88 8.45 9.44
Property & Liability Insurance Claims		 1.87 2.08 1.78 1.38 1.49 0.74 1.01 1.59 1.67 2.73 3.01
Other Operating Expenses		 23 25 27 29 32 29 32 24 26 27 27
Restructuring Charge		 - - - - - - - 0.00 0.00 2.16 0.04
Income Tax Expense		 16 18 23 33 16 21 19 24 26 23 26
Basic Earnings per Share		 - - - $4.22 $7.17 $8.42 $7.64 $8.19 $8.79 $8.85 $10.00
Weighted Average Basic Shares Outstanding		 20.80M 22.70M 22.70M 22.70M 22.80M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M
Diluted Earnings per Share		 - - - $4.20 $7.14 $8.38 $7.62 $8.17 $8.76 $8.82 $9.95
Weighted Average Diluted Shares Outstanding		 20.80M 22.70M 22.70M 22.70M 22.80M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M
Weighted Average Basic & Diluted Shares Outstanding		 20.80M 22.70M 22.70M 22.70M 22.80M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M

Quarterly Income Statements for Republic Bancorp

This table shows Republic Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 20 19 28 21 22 21 31 25 27 19
Consolidated Net Income / (Loss)		 20 19 28 21 22 20 31 25 27 19
Net Income / (Loss) Continuing Operations		 20 19 28 21 22 21 31 25 27 19
Total Pre-Tax Income 		26 23 36 27 27 24 39 32 34 23
Total Revenue		 74 76 115 84 79 83 120 87 88 90
Net Interest Income / (Expense)		 59 63 93 65 65 67 97 69 71 75
Total Interest Income		 61 67 100 79 86 91 131 98 102 103
Loans and Leases Interest Income		 53 58 93 72 78 82 119 87 91 91
Investment Securities Interest Income		 7.45 8.72 7.75 6.85 7.69 8.62 12 10 11 12
Total Interest Expense		 2.02 3.44 7.71 15 21 24 34 29 30 28
Deposits Interest Expense		 1.83 3.10 4.88 11 16 20 27 26 26 24
Short-Term Borrowings Interest Expense		 0.09 0.23 0.25 0.17 0.03 0.12 0.13 0.13 0.14 0.14
Long-Term Debt Interest Expense		 0.10 0.11 2.59 3.14 5.35 4.16 6.59 3.26 4.30 4.05
Total Non-Interest Income		 15 13 23 20 14 15 23 18 17 14
Other Non-Interest Income		 10 9.62 19 16 10 12 19 14 12 9.84
Provision for Credit Losses		 1.57 7.84 27 6.14 3.73 11 31 5.14 5.66 13
Total Non-Interest Expense		 46 45 52 52 48 47 51 50 49 54
Salaries and Employee Benefits		 27 26 30 31 29 26 30 29 29 31
Net Occupancy & Equipment Expense		 10 10 11 11 11 11 11 11 11 12
Marketing Expense		 1.95 1.86 1.57 2.51 2.06 2.30 1.92 2.71 1.98 2.83
Property & Liability Insurance Claims		 0.42 0.43 0.64 0.72 0.68 0.69 0.77 0.75 0.76 0.73
Other Operating Expenses		 6.08 6.44 7.56 6.89 6.21 6.46 7.21 6.29 6.30 7.24
Income Tax Expense		 6.07 4.98 8.02 5.46 5.50 3.86 8.09 6.90 7.31 4.03
Basic Earnings per Share		 $1.93 $1.80 $2.72 $2.05 $2.12 $1.96 $3.03 $2.49 $2.62 $1.86
Weighted Average Basic Shares Outstanding		 19.75M 19.76M 19.75M 19.54M 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M
Diluted Earnings per Share		 $1.93 $1.79 $2.71 $2.05 $2.11 $1.95 $3.01 $2.48 $2.61 $1.85
Weighted Average Diluted Shares Outstanding		 19.75M 19.76M 19.75M 19.54M 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M
Weighted Average Basic & Diluted Shares Outstanding		 19.75M 19.76M 19.75M 19.54M 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M

Annual Cash Flow Statements for Republic Bancorp

This table details how cash moves in and out of Republic Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -98 137 79 10 52 34 100 271 -443 2.88 116
Net Cash From Operating Activities		 27 50 48 78 119 105 75 100 155 109 149
Net Cash From Continuing Operating Activities		 27 50 48 78 119 105 75 100 155 109 149
Net Income / (Loss) Continuing Operations		 29 35 46 46 78 92 83 88 91 90 101
Consolidated Net Income / (Loss)		 29 35 46 46 78 92 83 88 91 90 101
Provision For Loan Losses		 2.86 5.40 14 28 31 26 32 15 23 48 55
Depreciation Expense		 6.36 6.61 7.30 8.47 9.35 9.23 9.73 8.99 7.60 7.06 6.91
Amortization Expense		 -4.51 -0.71 -0.31 -4.62 -2.01 -1.07 -6.12 -0.23 11 9.31 10
Non-Cash Adjustments to Reconcile Net Income		 -1.54 1.13 -12 -1.60 -6.30 -19 -18 -6.17 27 -14 -9.63
Changes in Operating Assets and Liabilities, net		 -5.26 2.45 -7.47 2.20 8.96 -1.42 -25 -4.82 -4.86 -32 -15
Net Cash From Investing Activities		 -471 -358 -296 -287 -122 -435 -422 307 -255 -517 -181
Net Cash From Continuing Investing Activities		 -471 -358 -296 -287 -122 -435 -422 307 -255 -517 -181
Purchase of Property, Leasehold Improvements and Equipment		 -7.76 -5.32 -7.03 -12 -9.82 -13 -3.58 -5.79 -3.50 -6.90 -5.81
Purchase of Investment Securities		 -1,354 -1,798 -825 -520 -395 -893 -703 64 -446 -654 -624
Sale and/or Maturity of Investments		 891 1,444 536 245 283 464 284 247 195 144 449
Net Cash From Financing Activities		 346 445 328 219 54 364 447 -135 -344 411 148
Net Cash From Continuing Financing Activities		 346 445 328 219 54 364 447 -135 -344 411 148
Net Change in Deposits		 67 429 469 272 23 462 947 106 -301 294 157
Issuance of Debt		 481 249 395 456 530 760 633 105 21 899 830
Issuance of Common Equity		 - - - - 0.23 0.49 0.53 0.59 0.59 0.63 0.67
Repayment of Debt		 -188 -218 -514 -490 -479 -835 -1,107 -235 -25 -733 -809
Repurchase of Common Equity		 -0.35 -0.55 -5.21 -1.05 -0.83 -1.42 -3.94 -88 -13 -20 0.00
Payment of Dividends		 -15 -16 -17 -18 -19 -21 -23 -25 -26 -28 -31
Other Financing Activities, Net		 1.10 1.14 0.08 0.07 0.08 -0.19 0.00 -0.14 0.05 -0.00 -0.64
Cash Interest Paid		 20 18 18 20 30 43 22 5.85 7.41 63 120
Cash Income Taxes Paid		 19 18 26 29 11 17 25 20 22 21 27

Quarterly Cash Flow Statements for Republic Bancorp

This table details how cash moves in and out of Republic Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -41 -441 -64 -7.32 -22 97 230 -146 131 -99
Net Cash From Operating Activities		 40 20 71 -5.84 21 22 71 2.98 51 24
Net Cash From Continuing Operating Activities		 40 20 71 -5.84 21 22 71 2.98 51 24
Net Income / (Loss) Continuing Operations		 20 19 28 21 22 20 31 25 27 19
Consolidated Net Income / (Loss)		 20 19 28 21 22 20 31 25 27 19
Provision For Loan Losses		 1.65 7.91 27 6.21 3.54 11 31 5.02 5.55 13
Depreciation Expense		 1.86 1.71 1.59 1.68 1.66 2.13 1.94 1.62 1.71 1.63
Amortization Expense		 1.98 8.99 2.85 2.60 1.99 1.86 2.82 2.58 2.30 2.76
Non-Cash Adjustments to Reconcile Net Income		 17 -2.55 -0.35 -9.77 4.42 -8.67 -4.67 -13 6.83 0.77
Changes in Operating Assets and Liabilities, net		 -2.17 -15 12 -28 -12 -3.70 10 -19 8.33 -14
Net Cash From Investing Activities		 49 -275 -99 -287 -25 -106 -78 122 48 -272
Net Cash From Continuing Investing Activities		 49 -275 -99 -287 -25 -106 -78 122 48 -272
Purchase of Property, Leasehold Improvements and Equipment		 -0.78 -0.88 -1.69 -1.84 -1.75 -1.62 -2.09 -1.29 -1.50 -0.94
Purchase of Investment Securities		 17 -391 -152 -317 -17 -169 -130 -53 -100 -341
Sale and/or Maturity of Investments		 32 118 54 32 -6.36 65 54 176 149 69
Net Cash From Financing Activities		 -130 -186 -36 285 -18 180 236 -271 32 150
Net Cash From Continuing Financing Activities		 -130 -186 -36 285 -18 180 236 -271 32 150
Net Change in Deposits		 -26 -262 40 -70 64 260 367 -352 33 109
Issuance of Debt		 - 0.99 13 500 395 -9.34 0.00 750 55 25
Issuance of Common Equity		 0.16 0.16 0.14 0.20 0.17 0.11 - - 0.15 0.18
Repayment of Debt		 -94 82 -83 -130 -461 -59 -123 -662 -48 24
Payment of Dividends		 -6.70 -6.64 -6.65 -7.28 -7.25 -7.17 -7.13 -7.78 -7.79 -7.80
Other Financing Activities, Net		 -0.00 0.01 -0.08 -0.10 -0.01 0.19 -1.10 0.24 0.17 0.06
Cash Interest Paid		 1.99 3.40 7.61 14 20 22 31 32 29 28
Cash Income Taxes Paid		 5.94 7.02 0.47 17 0.16 4.21 0.57 15 4.91 6.53

Annual Balance Sheets for Republic Bancorp

This table presents Republic Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 3,747 4,230 4,816 5,085 5,240 5,620 6,168 6,094 5,836 6,595 6,847
Cash and Due from Banks		 73 210 - - 351 385 486 757 314 317 432
Trading Account Securities		 481 560 12 5.76 553 494 574 32 622 3.40 593
Loans and Leases, Net of Allowance		 3,016 3,299 -33 -43 4,104 4,390 4,752 -65 -70 -82 -92
Allowance for Loan and Lease Losses		 24 27 33 43 45 43 61 65 70 82 92
Loans Held for Sale		 6.39 0.51 3.51 8.55 13 12 4.78 23 18 24 24
Accrued Investment Income		 - 37 - - 62 82 112 57 76 - 197
Premises and Equipment, Net		 33 31 - - 43 46 40 36 32 33 32
Goodwill		 10 10 16 16 16 16 16 16 16 41 41
Other Assets		 127 82 - - 99 195 185 5,186 4,753 6,259 5,608
Total Liabilities & Shareholders' Equity		 3,747 4,230 0.00 0.00 5,240 5,620 6,168 6,094 5,836 6,595 6,847
Total Liabilities		 3,188 3,654 0.00 0.00 4,550 4,856 5,345 5,259 4,979 5,682 5,855
Non-Interest Bearing Deposits		 503 635 - - 1,004 1,033 1,890 1,990 1,909 1,677 1,208
Interest Bearing Deposits		 1,556 1,853 - - 2,452 2,753 2,843 2,850 2,629 3,376 4,003
Short-Term Debt		 356 395 - - 183 168 211 291 217 98 103
Long-Term Debt		 749 741 - - 851 791 276 25 95 380 395
Other Long-Term Liabilities		 25 30 - - 60 111 125 103 129 36 146
Commitments & Contingencies		 0.00 0.00 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 559 577 0.00 0.00 690 764 823 835 857 913 992
Total Preferred & Common Equity		 559 577 604 632 690 764 823 835 857 913 992
Preferred Stock		 0.00 0.00 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 559 577 0.00 0.00 690 764 823 835 857 913 992
Common Stock		 140 142 - - 146 147 149 145 146 147 153
Retained Earnings		 415 433 - - 545 614 666 689 742 786 854
Accumulated Other Comprehensive Income / (Loss)		 4.32 2.05 - - -1.00 3.10 8.51 1.87 -32 -20 -14

Quarterly Balance Sheets for Republic Bancorp

This table presents Republic Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 6,000 6,074 6,370 6,386 6,876 6,617 6,692
Cash and Due from Banks		 754 249 242 220 546 400 531
Trading Account Securities		 3.09 614 608 604 669 491 8.77
Loans and Leases, Net of Allowance		 -65 -96 -72 -75 -109 -81 -82
Allowance for Loan and Lease Losses		 65 96 72 75 109 81 82
Loans Held for Sale		 21 17 22 22 19 32 26
Premises and Equipment, Net		 33 34 34 34 34 33 33
Goodwill		 16 42 41 41 41 41 41
Other Assets		 5,105 5,052 5,323 5,355 5,484 5,503 6,136
Total Liabilities & Shareholders' Equity		 6,000 6,074 6,370 6,386 6,876 6,617 6,692
Total Liabilities		 5,159 5,192 5,483 5,493 5,940 5,661 5,713
Non-Interest Bearing Deposits		 2,014 2,014 1,855 1,703 1,360 1,279 1,260
Interest Bearing Deposits		 2,786 2,786 2,874 3,091 4,061 3,790 3,842
Short-Term Debt		 209 134 92 81 85 73 79
Accrued Interest Payable		 - - - - - - 125
Long-Term Debt		 20 108 520 465 270 370 370
Other Long-Term Liabilities		 129 150 141 154 165 150 37
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 841 882 887 893 936 955 980
Total Preferred & Common Equity		 841 882 887 893 936 955 980
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 841 882 887 893 936 955 980
Common Stock		 146 147 147 146 147 149 151
Retained Earnings		 729 763 771 778 809 825 843
Accumulated Other Comprehensive Income / (Loss)		 -33 -28 -31 -31 -20 -19 -14

Annual Metrics and Ratios for Republic Bancorp

This table displays calculated financial ratios and metrics derived from Republic Bancorp's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.58% 10.74% 24.19% 20.31% 12.67% 7.48% 2.65% -3.15% 5.56% 10.86% 6.31%
EBITDA Growth		 17.16% 28.11% 28.41% 8.27% 23.55% 19.44% -12.46% 13.14% 13.09% -3.40% 10.47%
EBIT Growth		 9.43% 20.15% 29.52% 13.66% 20.25% 20.08% -9.33% 8.58% 4.85% -1.63% 11.10%
NOPAT Growth		 13.23% 22.16% 30.53% -0.59% 70.61% 17.79% -9.22% 5.24% 3.99% -0.80% 12.17%
Net Income Growth		 13.23% 22.16% 30.53% -0.59% 70.61% 17.79% -9.22% 5.24% 3.99% -0.80% 12.17%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 70.00% 17.37% -9.07% 7.22% 7.22% 0.68% 12.81%
Operating Cash Flow Growth		 19.98% 87.40% -4.74% 63.15% 53.28% -11.77% -28.29% 32.91% 54.40% -29.88% 37.29%
Free Cash Flow Firm Growth		 3,525.18% -100.80% -21,779.69% 92.69% 1,639.27% -97.30% 434.44% -50.14% -70.24% -278.68% 101.06%
Invested Capital Growth		 -50.66% 2.95% 181.21% 5.59% -66.10% -0.06% -23.94% -12.18% 1.52% 18.98% 7.19%
Revenue Q/Q Growth		 2.31% 2.69% 5.93% 3.50% 1.25% 3.20% 0.97% -2.68% 2.40% 1.99% 1.64%
EBITDA Q/Q Growth		 13.68% 7.06% 5.26% 0.09% 5.80% 11.39% -11.87% 7.77% 3.76% -3.63% -1.23%
EBIT Q/Q Growth		 12.33% 6.77% 5.67% 2.15% 4.10% 11.83% -6.63% -3.56% 2.26% 1.55% -1.69%
NOPAT Q/Q Growth		 15.62% 6.62% 5.96% -10.16% 19.07% 10.17% -4.86% -4.25% 0.98% 1.28% -0.63%
Net Income Q/Q Growth		 15.62% 6.62% 5.96% -10.16% 19.07% 10.17% -6.10% -3.02% 0.98% 1.28% -0.63%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -6.27% -2.16% 1.27% 1.85% -1.00%
Operating Cash Flow Q/Q Growth		 -2.01% 42.10% -10.27% 1.33% 24.14% 12.58% -29.70% -8.71% 11.67% 2.14% 0.85%
Free Cash Flow Firm Q/Q Growth		 850.56% 79.33% -13,034.92% -318.58% 196.83% -97.08% -54.97% 218.79% -48.96% 53.00% -98.75%
Invested Capital Q/Q Growth		 8.27% 4.62% 190.71% 216.78% -66.98% -18.86% 18.04% 2.38% 9.18% -3.39% 4.29%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.73% 34.40% 35.57% 32.01% 35.10% 39.00% 33.26% 38.86% 41.63% 36.28% 37.70%
EBIT Margin		 28.54% 30.96% 32.29% 30.51% 32.56% 36.38% 32.14% 36.03% 35.79% 31.75% 33.19%
Profit (Net Income) Margin		 18.54% 20.45% 21.49% 17.76% 26.89% 29.47% 26.07% 28.32% 27.90% 24.97% 26.34%
Tax Burden Percent		 64.96% 66.05% 66.56% 58.21% 82.59% 81.01% 81.11% 78.62% 77.97% 79.83% 79.38%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 98.50% 100.00%
Effective Tax Rate		 35.04% 33.95% 33.44% 41.79% 17.41% 18.99% 18.89% 21.38% 22.03% 20.17% 20.62%
Return on Invested Capital (ROIC)		 1.14% 2.08% 1.41% 0.92% 2.29% 5.32% 5.49% 7.12% 7.86% 7.06% 7.04%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.14% 2.08% 1.41% 0.92% 2.29% 5.32% 5.49% 7.12% 7.86% 7.06% 7.04%
Return on Net Nonoperating Assets (RNNOA)		 9.10% 4.11% 14.52% 0.00% 20.28% 7.29% 5.00% 3.45% 2.92% 3.15% 3.61%
Return on Equity (ROE)		 10.25% 6.20% 15.92% 0.00% 22.57% 12.61% 10.49% 10.57% 10.77% 10.22% 10.64%
Cash Return on Invested Capital (CROIC)		 68.99% -0.83% -93.66% -4.51% 101.01% 5.38% 32.68% 20.08% 6.34% -10.27% 0.10%
Operating Return on Assets (OROA)		 1.25% 1.33% 1.52% 1.58% 1.83% 2.08% 1.74% 1.82% 1.96% 1.85% 1.90%
Return on Assets (ROA)		 0.81% 0.88% 1.01% 0.92% 1.51% 1.69% 1.41% 1.43% 1.53% 1.45% 1.51%
Return on Common Equity (ROCE)		 10.25% 6.20% 15.92% 0.00% 22.57% 12.61% 10.49% 10.57% 10.77% 10.22% 10.64%
Return on Equity Simple (ROE_SIMPLE)		 5.15% 6.10% 7.59% 7.22% 11.28% 12.00% 10.11% 10.49% 10.64% 9.90% 10.22%
Net Operating Profit after Tax (NOPAT)		 29 35 46 46 78 92 83 88 91 90 101
NOPAT Margin		 18.54% 20.45% 21.49% 17.76% 26.89% 29.47% 26.07% 28.32% 27.90% 24.97% 26.34%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.55% 50.10% 47.46% 46.39% 45.11% 45.70% 47.83% 50.76% 49.03% 46.24% 44.86%
Operating Expenses to Revenue		 69.62% 65.90% 60.92% 58.71% 56.60% 55.34% 58.07% 59.18% 57.37% 55.09% 52.68%
Earnings before Interest and Taxes (EBIT)		 44 53 69 78 94 113 103 111 117 115 128
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 46 59 76 82 102 121 106 120 136 131 145
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.69 0.74 0.00 0.00 0.98 1.09 0.81 1.11 0.88 1.13 1.36
Price to Tangible Book Value (P/TBV)		 0.70 0.75 0.00 0.00 1.00 1.12 0.83 1.21 0.99 1.18 1.42
Price to Revenue (P/Rev)		 2.48 2.48 3.07 2.51 2.33 2.69 2.08 3.01 2.31 2.85 3.51
Price to Earnings (P/E)		 13.39 12.11 14.29 14.15 8.66 9.11 8.00 10.61 8.28 11.21 13.31
Dividend Yield		 3.98% 3.82% 2.62% 2.81% 3.00% 2.65% 3.59% 2.68% 3.57% 2.81% 2.35%
Earnings Yield		 7.47% 8.26% 7.00% 7.07% 11.55% 10.98% 12.50% 9.42% 12.07% 8.92% 7.51%
Enterprise Value to Invested Capital (EV/IC)		 0.85 0.79 0.14 0.13 0.79 0.82 0.51 0.42 0.64 0.86 0.95
Enterprise Value to Revenue (EV/Rev)		 9.13 7.86 3.07 2.51 4.69 4.53 2.09 1.58 2.31 3.30 3.68
Enterprise Value to EBITDA (EV/EBITDA)		 30.70 22.86 8.63 7.85 13.35 11.61 6.28 4.07 5.54 9.09 9.76
Enterprise Value to EBIT (EV/EBIT)		 31.99 25.39 9.51 8.24 14.39 12.45 6.50 4.39 6.44 10.38 11.08
Enterprise Value to NOPAT (EV/NOPAT)		 49.24 38.44 14.29 14.15 17.43 15.37 8.02 5.58 8.26 13.20 13.96
Enterprise Value to Operating Cash Flow (EV/OCF)		 53.08 27.01 13.76 8.30 11.38 13.40 8.85 4.88 4.86 10.99 9.50
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.82 0.00 0.00 0.00 0.39 15.19 1.35 1.98 10.24 0.00 1,012.45
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.98 1.97 0.00 0.00 1.50 1.25 0.59 0.38 0.36 0.52 0.50
Long-Term Debt to Equity		 1.34 1.28 0.00 0.00 1.23 1.04 0.34 0.03 0.11 0.42 0.40
Financial Leverage		 7.96 1.97 10.32 0.00 8.87 1.37 0.91 0.48 0.37 0.45 0.51
Leverage Ratio		 12.67 7.03 15.69 0.00 14.97 7.47 7.43 7.39 7.05 7.03 7.06
Compound Leverage Factor		 12.67 7.03 15.69 0.00 14.97 7.47 7.43 7.39 7.05 6.92 7.06
Debt to Total Capital		 66.41% 66.34% 0.00% 0.00% 59.98% 55.65% 37.18% 27.45% 26.70% 34.35% 33.44%
Short-Term Debt to Total Capital		 21.41% 23.09% 0.00% 0.00% 10.61% 9.73% 16.10% 25.28% 18.57% 7.02% 6.93%
Long-Term Debt to Total Capital		 45.01% 43.25% 0.00% 0.00% 49.37% 45.92% 21.08% 2.17% 8.13% 27.33% 26.50%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 33.59% 33.66% 0.00% 0.00% 40.02% 44.35% 62.82% 72.55% 73.30% 65.65% 66.56%
Debt to EBITDA		 23.93 19.21 0.00 0.00 10.18 7.90 4.59 2.63 2.29 3.64 3.44
Net Debt to EBITDA		 22.35 15.66 0.00 0.00 6.72 4.73 0.02 -3.67 -0.01 1.23 0.46
Long-Term Debt to EBITDA		 16.22 12.52 0.00 0.00 8.38 6.52 2.60 0.21 0.70 2.89 2.72
Debt to NOPAT		 38.38 32.31 0.00 0.00 13.28 10.46 5.85 3.61 3.42 5.28 4.92
Net Debt to NOPAT		 35.85 26.33 0.00 0.00 8.77 6.25 0.02 -5.03 -0.02 1.78 0.65
Long-Term Debt to NOPAT		 26.01 21.06 0.00 0.00 10.93 8.63 3.32 0.29 1.04 4.20 3.90
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 1,737 -14 -3,058 -223 3,439 93 496 247 74 -131 1.40
Operating Cash Flow to CapEx		 344.18% 940.89% 678.03% 628.10% 1,316.11% 878.45% 2,806.25% 1,947.42% 4,418.76% 1,573.83% 2,564.97%
Free Cash Flow to Firm to Interest Expense		 88.61 -0.76 -170.46 -11.03 114.17 2.07 24.86 43.63 9.82 -1.95 0.01
Operating Cash Flow to Interest Expense		 1.36 2.71 2.66 3.84 3.96 2.35 3.78 17.69 20.66 1.61 1.23
Operating Cash Flow Less CapEx to Interest Expense		 0.97 2.42 2.27 3.23 3.66 2.08 3.65 16.79 20.19 1.51 1.19
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.05 0.05 0.06 0.06 0.05 0.05 0.05 0.06 0.06
Fixed Asset Turnover		 0.00 5.37 0.00 0.00 0.00 6.97 7.45 8.18 9.60 11.07 11.71
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,664 1,713 4,816 5,085 1,724 1,723 1,311 1,151 1,169 1,390 1,490
Invested Capital Turnover		 0.06 0.10 0.07 0.05 0.09 0.18 0.21 0.25 0.28 0.28 0.27
Increase / (Decrease) in Invested Capital		 -1,708 49 3,104 269 -3,361 -1.06 -413 -160 18 222 100
Enterprise Value (EV)		 1,417 1,352 656 646 1,357 1,409 668 489 753 1,193 1,415
Market Capitalization		 386 426 656 646 674 836 666 930 755 1,032 1,349
Book Value per Share		 $26.84 $27.65 $0.00 $0.00 $33.00 $36.48 $39.36 $41.32 $43.38 $47.10 $51.02
Tangible Book Value per Share		 $26.35 $27.16 ($0.78) ($0.78) $32.24 $35.70 $38.58 $38.01 $38.74 $45.01 $48.93
Total Capital		 1,664 1,713 0.00 0.00 1,724 1,723 1,311 1,151 1,169 1,390 1,490
Total Debt		 1,105 1,136 0.00 0.00 1,034 959 487 316 312 478 498
Total Long-Term Debt		 749 741 0.00 0.00 851 791 276 25 95 380 395
Net Debt		 1,032 926 0.00 0.00 683 574 1.68 -441 -1.73 161 66
Capital Expenditures (CapEx)		 7.76 5.32 7.03 12 9.06 12 2.69 5.15 3.50 6.90 5.81
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,105 1,136 4,816 5,085 1,034 959 487 316 312 478 498
Total Depreciation and Amortization (D&A)		 1.85 5.90 6.99 3.85 7.34 8.16 3.60 8.75 19 16 17
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.71 $0.00 $0.00 $4.22 $0.00 $8.42 $7.64 $8.12 $8.79 $8.85 $10.00
Adjusted Weighted Average Basic Shares Outstanding		 20.86M 20.90M 20.85M 20.85M 20.89M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M
Adjusted Diluted Earnings per Share		 $2.70 $0.00 $0.00 $4.20 $0.00 $8.38 $7.62 $8.09 $8.76 $8.82 $9.95
Adjusted Weighted Average Diluted Shares Outstanding		 20.86M 20.90M 20.85M 20.85M 20.89M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.86M 20.90M 20.85M 20.85M 20.89M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M
Normalized Net Operating Profit after Tax (NOPAT)		 29 35 46 46 78 92 83 88 91 92 101
Normalized NOPAT Margin		 18.54% 20.50% 21.55% 18.03% 26.89% 29.47% 26.07% 28.32% 27.90% 25.44% 26.35%
Pre Tax Income Margin		 28.54% 30.96% 32.29% 30.51% 32.56% 36.38% 32.14% 36.03% 35.79% 31.28% 33.19%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.26 2.88 3.84 3.87 3.13 2.53 5.15 19.67 15.59 1.71 1.06
NOPAT to Interest Expense		 1.47 1.90 2.56 2.25 2.58 2.05 4.17 15.46 12.16 1.34 0.84
EBIT Less CapEx to Interest Expense		 1.86 2.60 3.45 3.26 2.83 2.26 5.01 18.76 15.13 1.61 1.01
NOPAT Less CapEx to Interest Expense		 1.07 1.62 2.17 1.64 2.28 1.78 4.04 14.55 11.69 1.24 0.79
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 51.86% 45.04% 36.53% 38.69% 25.04% 23.31% 27.87% 28.19% 28.70% 31.37% 30.09%
Augmented Payout Ratio		 53.07% 46.61% 47.87% 40.99% 26.11% 24.86% 32.60% 128.10% 42.50% 53.81% 30.09%

Quarterly Metrics and Ratios for Republic Bancorp

This table displays calculated financial ratios and metrics derived from Republic Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 2.43% 11.15% 22.45% 2.18% 7.41% 9.25% 4.31% 3.21% 11.30% 7.47%
EBITDA Growth		 3.56% 16.81% 3.45% -5.95% 3.12% -14.48% 7.16% 17.93% 23.20% -6.17%
EBIT Growth		 -1.00% 12.33% -0.70% -14.55% 4.26% 7.49% 7.16% 21.11% 25.03% -8.70%
NOPAT Growth		 -0.56% 5.03% -0.91% -13.53% 8.42% 6.19% 8.95% 19.73% 23.05% -3.27%
Net Income Growth		 -0.56% 5.03% -0.91% -13.53% 8.42% 6.19% 8.95% 19.73% 23.05% -3.27%
EPS Growth		 2.12% 6.55% 0.00% -12.02% 9.33% 8.94% 11.07% 20.98% 23.70% -5.13%
Operating Cash Flow Growth		 -2.25% 422.68% -12.53% -142.62% -46.88% 11.37% 0.69% 151.07% 139.99% 5.61%
Free Cash Flow Firm Growth		 1,121.28% -99.46% 228.20% -259.56% -570.57% -21,047.77% -361.28% 140.40% 110.55% 59.95%
Invested Capital Growth		 -4.79% 1.52% -2.05% 28.62% 34.46% 18.98% 14.72% -6.74% -0.70% 7.19%
Revenue Q/Q Growth		 -10.53% 3.44% 51.27% -27.01% -5.95% 5.20% 44.43% -27.77% 1.42% 1.58%
EBITDA Q/Q Growth		 -8.97% 14.76% 18.62% -24.10% -0.19% -4.83% 48.63% -16.47% 4.27% -27.52%
EBIT Q/Q Growth		 -16.30% -9.54% 53.76% -26.60% 2.13% -6.74% 53.28% -17.04% 5.43% -31.90%
NOPAT Q/Q Growth		 -18.28% -6.95% 51.74% -25.06% 2.47% -8.86% 55.68% -17.64% 5.30% -28.36%
Net Income Q/Q Growth		 -18.28% -6.95% 51.74% -25.06% 2.47% -8.86% 55.68% -17.64% 5.30% -28.36%
EPS Q/Q Growth		 -17.17% -7.25% 51.40% -24.35% 2.93% -7.58% 54.36% -17.61% 5.24% -29.12%
Operating Cash Flow Q/Q Growth		 193.30% -50.25% 253.63% -108.26% 465.58% 4.29% 219.72% -95.81% 1,618.00% -54.11%
Free Cash Flow Firm Q/Q Growth		 184.91% -98.69% 5,249.74% -705.37% -11.13% 41.79% 33.27% 193.60% -70.97% -320.88%
Invested Capital Q/Q Growth		 -8.16% 9.18% -3.76% 33.30% -3.99% -3.39% -7.21% 8.36% 2.22% 4.29%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 40.43% 44.85% 35.17% 36.57% 38.81% 35.11% 36.13% 41.79% 42.96% 30.66%
EBIT Margin		 35.23% 30.81% 31.32% 31.49% 34.19% 30.31% 32.17% 36.95% 38.41% 25.75%
Profit (Net Income) Margin		 26.99% 24.28% 24.36% 25.01% 27.25% 23.60% 25.44% 29.01% 30.12% 21.24%
Tax Burden Percent		 76.62% 78.82% 77.79% 79.42% 79.68% 83.59% 79.09% 78.51% 78.42% 82.50%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 93.16% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 23.38% 21.18% 22.21% 20.58% 20.32% 16.41% 20.91% 21.49% 21.58% 17.50%
Return on Invested Capital (ROIC)		 7.84% 6.84% 7.45% 6.56% 7.71% 6.68% 7.73% 7.40% 7.95% 5.68%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.84% 6.84% 7.45% 6.56% 7.71% 6.68% 7.73% 7.40% 7.95% 5.68%
Return on Net Nonoperating Assets (RNNOA)		 2.41% 2.54% 2.38% 3.55% 3.44% 2.98% 2.54% 4.24% 4.22% 2.91%
Return on Equity (ROE)		 10.25% 9.37% 9.83% 10.11% 11.15% 9.66% 10.27% 11.64% 12.18% 8.58%
Cash Return on Invested Capital (CROIC)		 13.13% 6.34% 10.07% -18.47% -22.29% -10.27% -6.01% 13.67% 7.82% 0.10%
Operating Return on Assets (OROA)		 1.84% 1.69% 1.75% 1.76% 1.96% 1.77% 1.82% 2.10% 2.22% 1.47%
Return on Assets (ROA)		 1.41% 1.33% 1.36% 1.40% 1.56% 1.37% 1.44% 1.65% 1.74% 1.22%
Return on Common Equity (ROCE)		 10.25% 9.37% 9.83% 10.11% 11.15% 9.66% 10.27% 11.64% 12.18% 8.58%
Return on Equity Simple (ROE_SIMPLE)		 10.73% 0.00% 10.30% 9.87% 9.99% 0.00% 9.93% 10.16% 10.41% 0.00%
Net Operating Profit after Tax (NOPAT)		 20 19 28 21 22 20 31 25 27 19
NOPAT Margin		 26.99% 24.28% 24.36% 25.01% 27.25% 23.60% 25.44% 29.01% 30.12% 21.24%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 53.82% 49.89% 36.57% 52.02% 52.57% 47.80% 35.71% 49.03% 47.14% 50.88%
Operating Expenses to Revenue		 62.64% 58.90% 45.47% 61.22% 61.09% 56.49% 42.37% 57.13% 55.16% 59.78%
Earnings before Interest and Taxes (EBIT)		 26 23 36 27 27 25 39 32 34 23
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 30 34 41 31 31 29 43 36 38 27
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.83 0.88 0.90 0.90 0.92 1.13 1.03 1.07 1.28 1.36
Price to Tangible Book Value (P/TBV)		 0.85 0.99 1.03 1.04 1.06 1.18 1.17 1.12 1.33 1.42
Price to Revenue (P/Rev)		 2.20 2.31 2.27 2.28 2.33 2.85 2.63 2.76 3.31 3.51
Price to Earnings (P/E)		 7.76 8.28 8.70 9.11 9.25 11.21 10.18 10.34 12.08 13.31
Dividend Yield		 3.75% 3.57% 3.49% 3.54% 3.46% 2.81% 3.08% 2.97% 2.47% 2.35%
Earnings Yield		 12.88% 12.07% 11.50% 10.98% 10.81% 8.92% 9.82% 9.67% 8.28% 7.51%
Enterprise Value to Invested Capital (EV/IC)		 0.16 0.64 0.70 0.78 0.80 0.86 0.60 0.76 0.82 0.95
Enterprise Value to Revenue (EV/Rev)		 0.55 2.31 2.25 3.34 3.24 3.30 2.10 2.88 3.09 3.68
Enterprise Value to EBITDA (EV/EBITDA)		 1.34 5.54 5.71 8.63 8.45 9.09 5.75 7.61 7.98 9.76
Enterprise Value to EBIT (EV/EBIT)		 1.54 6.44 6.72 10.42 10.17 10.38 6.57 8.64 9.02 11.08
Enterprise Value to NOPAT (EV/NOPAT)		 1.94 8.26 8.62 13.34 12.90 13.20 8.31 10.96 11.48 13.96
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.27 4.86 5.42 9.33 10.84 10.99 7.08 9.03 7.93 9.50
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.22 10.24 6.85 0.00 0.00 0.00 0.00 5.37 10.45 1,012.45
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.27 0.36 0.27 0.69 0.61 0.52 0.38 0.46 0.46 0.50
Long-Term Debt to Equity		 0.02 0.11 0.12 0.59 0.52 0.42 0.29 0.39 0.38 0.40
Financial Leverage		 0.31 0.37 0.32 0.54 0.45 0.45 0.33 0.57 0.53 0.51
Leverage Ratio		 7.26 7.05 7.21 7.22 7.14 7.03 7.12 7.05 6.98 7.06
Compound Leverage Factor		 7.26 7.05 7.21 7.22 7.14 6.54 7.12 7.05 6.98 7.06
Debt to Total Capital		 21.43% 26.70% 21.56% 40.83% 37.92% 34.35% 27.48% 31.66% 31.45% 33.44%
Short-Term Debt to Total Capital		 19.56% 18.57% 11.95% 6.14% 5.61% 7.02% 6.55% 5.19% 5.55% 6.93%
Long-Term Debt to Total Capital		 1.87% 8.13% 9.60% 34.69% 32.31% 27.33% 20.93% 26.47% 25.89% 26.50%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.57% 73.30% 78.44% 59.17% 62.08% 65.65% 72.52% 68.34% 68.55% 66.56%
Debt to EBITDA		 1.75 2.29 1.77 4.52 4.01 3.64 2.64 3.17 3.06 3.44
Net Debt to EBITDA		 -4.01 -0.01 -0.05 2.73 2.39 1.23 -1.43 0.30 -0.55 0.46
Long-Term Debt to EBITDA		 0.15 0.70 0.79 3.84 3.41 2.89 2.01 2.65 2.52 2.72
Debt to NOPAT		 2.54 3.42 2.67 6.99 6.12 5.28 3.82 4.56 4.41 4.92
Net Debt to NOPAT		 -5.82 -0.02 -0.08 4.23 3.66 1.78 -2.07 0.44 -0.80 0.65
Long-Term Debt to NOPAT		 0.22 1.04 1.19 5.94 5.21 4.20 2.91 3.81 3.63 3.90
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 74 0.97 52 -313 -347 -202 -135 126 37 -81
Operating Cash Flow to CapEx		 5,141.82% 2,275.65% 4,190.52% -317.04% 1,222.72% 1,376.82% 3,407.85% 231.68% 3,426.80% 2,516.15%
Free Cash Flow to Firm to Interest Expense		 36.54 0.28 6.69 -21.52 -16.50 -8.42 -4.00 4.33 1.21 -2.92
Operating Cash Flow to Interest Expense		 19.91 5.81 9.17 -0.40 1.02 0.93 2.11 0.10 1.70 0.85
Operating Cash Flow Less CapEx to Interest Expense		 19.52 5.56 8.95 -0.53 0.93 0.86 2.05 0.06 1.65 0.82
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06
Fixed Asset Turnover		 9.07 9.60 10.22 10.32 10.64 11.07 10.92 11.02 11.31 11.71
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,070 1,169 1,125 1,499 1,439 1,390 1,290 1,398 1,429 1,490
Invested Capital Turnover		 0.29 0.28 0.31 0.26 0.28 0.28 0.30 0.26 0.26 0.27
Increase / (Decrease) in Invested Capital		 -54 18 -24 334 369 222 165 -101 -10 100
Enterprise Value (EV)		 175 753 783 1,168 1,151 1,193 772 1,064 1,172 1,415
Market Capitalization		 700 755 790 798 825 1,032 964 1,021 1,253 1,349
Book Value per Share		 $42.60 $43.38 $44.66 $44.91 $45.71 $47.10 $48.22 $49.22 $50.41 $51.02
Tangible Book Value per Share		 $41.77 $38.74 $38.81 $38.94 $39.75 $45.01 $42.34 $47.13 $48.33 $48.93
Total Capital		 1,070 1,169 1,125 1,499 1,439 1,390 1,290 1,398 1,429 1,490
Total Debt		 229 312 242 612 546 478 355 443 449 498
Total Long-Term Debt		 20 95 108 520 465 380 270 370 370 395
Net Debt		 -525 -1.73 -6.88 370 326 161 -192 43 -81 66
Capital Expenditures (CapEx)		 0.78 0.88 1.69 1.84 1.75 1.62 2.09 1.29 1.50 0.94
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 229 312 242 612 546 478 355 443 449 498
Total Depreciation and Amortization (D&A)		 3.83 11 4.45 4.28 3.66 4.00 4.77 4.20 4.01 4.39
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.89 $1.80 $2.72 $2.05 $2.12 $1.96 $3.03 $2.49 $2.62 $1.86
Adjusted Weighted Average Basic Shares Outstanding		 19.75M 19.76M 19.75M 19.54M 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M
Adjusted Diluted Earnings per Share		 $1.89 $1.79 $2.71 $2.05 $2.11 $1.95 $3.01 $2.48 $2.61 $1.85
Adjusted Weighted Average Diluted Shares Outstanding		 19.75M 19.76M 19.75M 19.54M 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 19.75M 19.76M 19.75M 19.54M 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M
Normalized Net Operating Profit after Tax (NOPAT)		 20 19 30 21 21 20 31 25 27 19
Normalized NOPAT Margin		 26.99% 24.28% 25.76% 25.13% 27.11% 23.70% 25.47% 29.01% 30.12% 21.24%
Pre Tax Income Margin		 35.23% 30.81% 31.32% 31.49% 34.19% 28.24% 32.17% 36.95% 38.41% 25.75%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 12.85 6.82 4.68 1.83 1.29 1.05 1.15 1.10 1.12 0.83
NOPAT to Interest Expense		 9.85 5.38 3.64 1.45 1.03 0.82 0.91 0.86 0.88 0.69
EBIT Less CapEx to Interest Expense		 12.47 6.57 4.46 1.70 1.20 0.98 1.09 1.06 1.07 0.80
NOPAT Less CapEx to Interest Expense		 9.46 5.12 3.42 1.32 0.94 0.75 0.85 0.82 0.83 0.65
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 28.44% 28.70% 29.41% 31.14% 31.18% 31.37% 31.04% 30.23% 29.28% 30.09%
Augmented Payout Ratio		 55.92% 42.50% 29.41% 43.08% 49.70% 53.81% 31.04% 44.21% 33.37% 30.09%

Frequently Asked Questions About Republic Bancorp's Financials

When does Republic Bancorp's financial year end?

According to the most recent income statement we have on file, Republic Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Republic Bancorp's net income changed over the last 10 years?

Republic Bancorp's net income appears to be on an upward trend, with a most recent value of $101.37 million in 2024, rising from $28.79 million in 2014. The previous period was $90.37 million in 2023. Check out Republic Bancorp's forecast to explore projected trends and price targets.

How has Republic Bancorp revenue changed over the last 10 years?

Over the last 10 years, Republic Bancorp's total revenue changed from $155.29 million in 2014 to $384.80 million in 2024, a change of 147.8%.

How much debt does Republic Bancorp have?

Republic Bancorp's total liabilities were at $5.85 billion at the end of 2024, a 3.0% increase from 2023, and a 83.6% increase since 2014.

How much cash does Republic Bancorp have?

In the past 10 years, Republic Bancorp's cash and equivalents has ranged from $0.00 in 2016 to $756.97 million in 2021, and is currently $432.15 million as of their latest financial filing in 2024.

How has Republic Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Republic Bancorp's book value per share changed from 26.84 in 2014 to 51.02 in 2024, a change of 90.1%.


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This page (NASDAQ:RBCAA) was last updated on 5/4/2025 by MarketBeat.com Staff
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