Republic Bancorp (RBCAA) Financials

$68.94 -0.57 (-0.82%)

Closing price 05/30/2025 04:00 PM Eastern

Extended Trading

$68.73 -0.21 (-0.30%)

As of 05/30/2025 04:21 PM Eastern

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

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	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	47	19	27	25	31	21	22	21	28	19	20
Consolidated Net Income / (Loss)	47	19	27	25	31	20	22	21	28	19	20
Net Income / (Loss) Continuing Operations	47	19	27	25	31	21	22	21	28	19	20
Total Pre-Tax Income	60	23	34	32	39	24	27	27	36	23	26
Total Revenue	136	90	88	87	120	83	79	84	115	76	74
Net Interest Income / (Expense)	103	75	71	69	97	67	65	65	93	63	59
Total Interest Income	130	103	102	98	131	91	86	79	100	67	61
Loans and Leases Interest Income	119	91	91	87	119	82	78	72	93	58	53
Investment Securities Interest Income	11	12	11	10	12	8.62	7.69	6.85	7.75	8.72	7.45
Total Interest Expense	27	28	30	29	34	24	21	15	7.71	3.44	2.02
Deposits Interest Expense	21	24	26	26	27	20	16	11	4.88	3.10	1.83
Short-Term Borrowings Interest Expense	0.14	0.14	0.14	0.13	0.13	0.12	0.03	0.17	0.25	0.23	0.09
Long-Term Debt Interest Expense	5.64	4.05	4.30	3.26	6.59	4.16	5.35	3.14	2.59	0.11	0.10
Total Non-Interest Income	33	14	17	18	23	15	14	20	23	13	15
Other Service Charges	3.82	-	-	-	4.18	4.56	4.04	3.74	3.24	-	4.93
Net Realized & Unrealized Capital Gains on Investments	4.09	-	-	-	-	-	-	-	-	-	-
Other Non-Interest Income	25	9.84	12	14	19	12	10	16	19	9.62	10
Provision for Credit Losses	18	13	5.66	5.14	31	11	3.73	6.14	27	7.84	1.57
Total Non-Interest Expense	58	54	49	50	51	47	48	52	52	45	46
Salaries and Employee Benefits	31	31	29	29	30	26	29	31	30	26	27
Net Occupancy & Equipment Expense	12	12	11	11	11	11	11	11	11	10	10
Marketing Expense	1.39	2.83	1.98	2.71	1.92	2.30	2.06	2.51	1.57	1.86	1.95
Property & Liability Insurance Claims	0.82	0.73	0.76	0.75	0.77	0.69	0.68	0.72	0.64	0.43	0.42
Other Operating Expenses	13	7.24	6.30	6.29	7.21	6.46	6.21	6.89	7.56	6.44	6.08
Restructuring Charge	0.00	-	0.00	0.00	0.04	0.09	-0.13	0.13	2.07	-	0.00
Income Tax Expense	13	4.03	7.31	6.90	8.09	3.86	5.50	5.46	8.02	4.98	6.07
Basic Earnings per Share	$4.64	$1.86	$2.62	$2.49	$3.03	$1.96	$2.12	$2.05	$2.72	$1.80	$1.93
Weighted Average Basic Shares Outstanding	19.52M	19.49M	19.45M	19.43M	19.41M	19.40M	19.38M	19.54M	19.75M	19.76M	19.75M
Diluted Earnings per Share	$4.62	$1.85	$2.61	$2.48	$3.01	$1.95	$2.11	$2.05	$2.71	$1.79	$1.93
Weighted Average Diluted Shares Outstanding	19.52M	19.49M	19.45M	19.43M	19.41M	19.40M	19.38M	19.54M	19.75M	19.76M	19.75M
Weighted Average Basic & Diluted Shares Outstanding	19.52M	19.49M	19.45M	19.43M	19.41M	19.40M	19.38M	19.54M	19.75M	19.76M	19.75M

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

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	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	361	-99	131	-146	230	97	-22	-7.32	-64	-441	-41
Net Cash From Operating Activities	93	24	51	2.98	71	22	21	-5.84	71	20	40
Net Cash From Continuing Operating Activities	93	24	51	2.98	71	22	21	-5.84	71	20	40
Net Income / (Loss) Continuing Operations	47	19	27	25	31	20	22	21	28	19	20
Consolidated Net Income / (Loss)	47	19	27	25	31	20	22	21	28	19	20
Provision For Loan Losses	18	13	5.55	5.02	31	11	3.54	6.21	27	7.91	1.65
Depreciation Expense	1.94	1.63	1.71	1.62	1.94	2.13	1.66	1.68	1.59	1.71	1.86
Amortization Expense	3.48	2.76	2.30	2.58	2.82	1.86	1.99	2.60	2.85	8.99	1.98
Non-Cash Adjustments to Reconcile Net Income	-5.18	0.77	6.83	-13	-4.67	-8.67	4.42	-9.77	-0.35	-2.55	17
Changes in Operating Assets and Liabilities, net	28	-14	8.33	-19	10	-3.70	-12	-28	12	-15	-2.17
Net Cash From Investing Activities	118	-272	48	122	-78	-106	-25	-287	-99	-275	49
Net Cash From Continuing Investing Activities	118	-272	48	122	-78	-106	-25	-287	-99	-275	49
Purchase of Property, Leasehold Improvements and Equipment	-1.63	-0.94	-1.50	-1.29	-2.09	-1.62	-1.75	-1.84	-1.69	-0.88	-0.78
Purchase of Investment Securities	0.27	-341	-100	-53	-130	-169	-17	-317	-152	-391	17
Sale and/or Maturity of Investments	120	69	149	176	54	65	-6.36	32	54	118	32
Net Cash From Financing Activities	149	150	32	-271	236	180	-18	285	-36	-186	-130
Net Cash From Continuing Financing Activities	149	150	32	-271	236	180	-18	285	-36	-186	-130
Net Change in Deposits	195	109	33	-352	367	260	64	-70	40	-262	-26
Issuance of Debt	403	25	55	750	0.00	-9.34	395	500	13	0.99	-
Repayment of Debt	-442	24	-48	-662	-123	-59	-461	-130	-83	82	-94
Repurchase of Common Equity	0.15	-	-	-0.16	0.16	-4.17	-9.40	-	-	-0.41	-3.33
Payment of Dividends	-7.81	-7.80	-7.79	-7.78	-7.13	-7.17	-7.25	-7.28	-6.65	-6.64	-6.70
Other Financing Activities, Net	0.38	0.06	0.17	0.24	-1.10	0.19	-0.01	-0.10	-0.08	0.01	-0.00
Cash Interest Paid	28	28	29	32	31	22	20	14	7.61	3.40	1.99
Cash Income Taxes Paid	0.39	6.53	4.91	15	0.57	4.21	0.16	17	0.47	7.02	5.94

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

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	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	7,076	6,692	6,617	6,876	6,386	6,370	6,074	6,000
Cash and Due from Banks	793	531	400	546	220	242	249	754
Trading Account Securities	619	8.77	491	669	604	608	614	3.09
Loans and Leases, Net of Allowance	-106	-82	-81	-109	-75	-72	-96	-65
Allowance for Loan and Lease Losses	106	82	81	109	75	72	96	65
Loans Held for Sale	32	26	32	19	22	22	17	21
Accrued Investment Income	198	-	198	118	110	95	88	132
Premises and Equipment, Net	32	33	33	34	34	34	34	33
Goodwill	41	41	41	41	41	41	42	16
Other Assets	5,461	6,136	5,503	5,484	5,355	5,323	5,052	5,105
Total Liabilities & Shareholders' Equity	7,076	6,692	6,617	6,876	6,386	6,370	6,074	6,000
Total Liabilities	6,041	5,713	5,661	5,940	5,493	5,483	5,192	5,159
Non-Interest Bearing Deposits	1,375	1,260	1,279	1,360	1,703	1,855	2,014	2,014
Interest Bearing Deposits	4,031	3,842	3,790	4,061	3,091	2,874	2,786	2,786
Short-Term Debt	90	79	73	85	81	92	134	209
Long-Term Debt	370	370	370	270	465	520	108	20
Other Long-Term Liabilities	176	37	150	165	154	141	150	129
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,034	980	955	936	893	887	882	841
Total Preferred & Common Equity	1,034	980	955	936	893	887	882	841
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,034	980	955	936	893	887	882	841
Common Stock	156	151	149	147	146	147	147	146
Retained Earnings	890	843	825	809	778	771	763	729
Accumulated Other Comprehensive Income / (Loss)	-12	-14	-19	-20	-31	-31	-28	-33

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

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

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

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	12.93%	7.47%	11.30%	3.21%	4.31%	9.25%	7.41%	2.18%	22.45%	11.15%	2.43%
EBITDA Growth	50.42%	-6.17%	23.20%	17.93%	7.16%	-14.48%	3.12%	-5.95%	3.45%	16.81%	3.56%
EBIT Growth	54.94%	-8.70%	25.03%	21.11%	7.16%	7.49%	4.26%	-14.55%	-0.70%	12.33%	-1.00%
NOPAT Growth	54.44%	-3.27%	23.05%	19.73%	8.95%	6.19%	8.42%	-13.53%	-0.91%	5.03%	-0.56%
Net Income Growth	54.44%	-3.27%	23.05%	19.73%	8.95%	6.19%	8.42%	-13.53%	-0.91%	5.03%	-0.56%
EPS Growth	53.49%	-5.13%	23.70%	20.98%	11.07%	8.94%	9.33%	-12.02%	0.00%	6.55%	2.12%
Operating Cash Flow Growth	30.84%	5.61%	139.99%	151.07%	0.69%	11.37%	-46.88%	-142.62%	-12.53%	422.68%	-2.25%
Free Cash Flow Firm Growth	-15.98%	59.95%	110.55%	140.40%	-361.28%	-21,047.77%	-570.57%	-259.56%	228.20%	-99.46%	1,121.28%
Invested Capital Growth	15.79%	7.19%	-0.70%	-6.74%	14.72%	18.98%	34.46%	28.62%	-2.05%	1.52%	-4.79%
Revenue Q/Q Growth	51.76%	1.58%	1.42%	-27.77%	44.43%	5.20%	-5.95%	-27.01%	51.27%	3.44%	-10.53%
EBITDA Q/Q Growth	138.27%	-27.52%	4.27%	-16.47%	48.63%	-4.83%	-0.19%	-24.10%	18.62%	14.76%	-8.97%
EBIT Q/Q Growth	160.14%	-31.90%	5.43%	-17.04%	53.28%	-6.74%	2.13%	-26.60%	53.76%	-9.54%	-16.30%
NOPAT Q/Q Growth	148.57%	-28.36%	5.30%	-17.64%	55.68%	-8.86%	2.47%	-25.06%	51.74%	-6.95%	-18.28%
Net Income Q/Q Growth	148.57%	-28.36%	5.30%	-17.64%	55.68%	-8.86%	2.47%	-25.06%	51.74%	-6.95%	-18.28%
EPS Q/Q Growth	149.73%	-29.12%	5.24%	-17.61%	54.36%	-7.58%	2.93%	-24.35%	51.40%	-7.25%	-17.17%
Operating Cash Flow Q/Q Growth	296.11%	-54.11%	1,618.00%	-95.81%	219.72%	4.29%	465.58%	-108.26%	253.63%	-50.25%	193.30%
Free Cash Flow Firm Q/Q Growth	-93.23%	-320.88%	-70.97%	193.60%	33.27%	41.79%	-11.13%	-705.37%	5,249.74%	-98.69%	184.91%
Invested Capital Q/Q Growth	0.23%	4.29%	2.22%	8.36%	-7.21%	-3.39%	-3.99%	33.30%	-3.76%	9.18%	-8.16%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	48.13%	30.66%	42.96%	41.79%	36.13%	35.11%	38.81%	36.57%	35.17%	44.85%	40.43%
EBIT Margin	44.14%	25.75%	38.41%	36.95%	32.17%	30.31%	34.19%	31.49%	31.32%	30.81%	35.23%
Profit (Net Income) Margin	34.80%	21.24%	30.12%	29.01%	25.44%	23.60%	27.25%	25.01%	24.36%	24.28%	26.99%
Tax Burden Percent	78.83%	82.50%	78.42%	78.51%	79.09%	83.59%	79.68%	79.42%	77.79%	78.82%	76.62%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	93.16%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	21.17%	17.50%	21.58%	21.49%	20.91%	16.41%	20.32%	20.58%	22.21%	21.18%	23.38%
Return on Invested Capital (ROIC)	10.01%	5.68%	7.95%	7.40%	7.73%	6.68%	7.71%	6.56%	7.45%	6.84%	7.84%
ROIC Less NNEP Spread (ROIC-NNEP)	10.01%	5.68%	7.95%	7.40%	7.73%	6.68%	7.71%	6.56%	7.45%	6.84%	7.84%
Return on Net Nonoperating Assets (RNNOA)	4.14%	2.91%	4.22%	4.24%	2.54%	2.98%	3.44%	3.55%	2.38%	2.54%	2.41%
Return on Equity (ROE)	14.15%	8.58%	12.18%	11.64%	10.27%	9.66%	11.15%	10.11%	9.83%	9.37%	10.25%
Cash Return on Invested Capital (CROIC)	-6.15%	0.10%	7.82%	13.67%	-6.01%	-10.27%	-22.29%	-18.47%	10.07%	6.34%	13.13%
Operating Return on Assets (OROA)	2.53%	1.47%	2.22%	2.10%	1.82%	1.77%	1.96%	1.76%	1.75%	1.69%	1.84%
Return on Assets (ROA)	2.00%	1.22%	1.74%	1.65%	1.44%	1.37%	1.56%	1.40%	1.36%	1.33%	1.41%
Return on Common Equity (ROCE)	14.15%	8.58%	12.18%	11.64%	10.27%	9.66%	11.15%	10.11%	9.83%	9.37%	10.25%
Return on Equity Simple (ROE_SIMPLE)	11.41%	0.00%	10.41%	10.16%	9.93%	0.00%	9.99%	9.87%	10.30%	0.00%	10.73%
Net Operating Profit after Tax (NOPAT)	47	19	27	25	31	20	22	21	28	19	20
NOPAT Margin	34.80%	21.24%	30.12%	29.01%	25.44%	23.60%	27.25%	25.01%	24.36%	24.28%	26.99%
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	32.88%	50.88%	47.14%	49.03%	35.71%	47.80%	52.57%	52.02%	36.57%	49.89%	53.82%
Operating Expenses to Revenue	42.85%	59.78%	55.16%	57.13%	42.37%	56.49%	61.09%	61.22%	45.47%	58.90%	62.64%
Earnings before Interest and Taxes (EBIT)	60	23	34	32	39	25	27	27	36	23	26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	65	27	38	36	43	29	31	31	41	34	30
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.20	1.36	1.28	1.07	1.03	1.13	0.92	0.90	0.90	0.88	0.83
Price to Tangible Book Value (P/TBV)	1.25	1.42	1.33	1.12	1.17	1.18	1.06	1.04	1.03	0.99	0.85
Price to Revenue (P/Rev)	3.11	3.51	3.31	2.76	2.63	2.85	2.33	2.28	2.27	2.31	2.20
Price to Earnings (P/E)	10.54	13.31	12.08	10.34	10.18	11.21	9.25	9.11	8.70	8.28	7.76
Dividend Yield	2.62%	2.35%	2.47%	2.97%	3.08%	2.81%	3.46%	3.54%	3.49%	3.57%	3.75%
Earnings Yield	9.49%	7.51%	8.28%	9.67%	9.82%	8.92%	10.81%	10.98%	11.50%	12.07%	12.88%
Enterprise Value to Invested Capital (EV/IC)	0.61	0.95	0.82	0.76	0.60	0.86	0.80	0.78	0.70	0.64	0.16
Enterprise Value to Revenue (EV/Rev)	2.27	3.68	3.09	2.88	2.10	3.30	3.24	3.34	2.25	2.31	0.55
Enterprise Value to EBITDA (EV/EBITDA)	5.45	9.76	7.98	7.61	5.75	9.09	8.45	8.63	5.71	5.54	1.34
Enterprise Value to EBIT (EV/EBIT)	6.11	11.08	9.02	8.64	6.57	10.38	10.17	10.42	6.72	6.44	1.54
Enterprise Value to NOPAT (EV/NOPAT)	7.71	13.96	11.48	10.96	8.31	13.20	12.90	13.34	8.62	8.26	1.94
Enterprise Value to Operating Cash Flow (EV/OCF)	5.33	9.50	7.93	9.03	7.08	10.99	10.84	9.33	5.42	4.86	1.27
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	1,012.45	10.45	5.37	0.00	0.00	0.00	0.00	6.85	10.24	1.22
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.44	0.50	0.46	0.46	0.38	0.52	0.61	0.69	0.27	0.36	0.27
Long-Term Debt to Equity	0.36	0.40	0.38	0.39	0.29	0.42	0.52	0.59	0.12	0.11	0.02
Financial Leverage	0.41	0.51	0.53	0.57	0.33	0.45	0.45	0.54	0.32	0.37	0.31
Leverage Ratio	7.08	7.06	6.98	7.05	7.12	7.03	7.14	7.22	7.21	7.05	7.26
Compound Leverage Factor	7.08	7.06	6.98	7.05	7.12	6.54	7.14	7.22	7.21	7.05	7.26
Debt to Total Capital	30.77%	33.44%	31.45%	31.66%	27.48%	34.35%	37.92%	40.83%	21.56%	26.70%	21.43%
Short-Term Debt to Total Capital	6.01%	6.93%	5.55%	5.19%	6.55%	7.02%	5.61%	6.14%	11.95%	18.57%	19.56%
Long-Term Debt to Total Capital	24.77%	26.50%	25.89%	26.47%	20.93%	27.33%	32.31%	34.69%	9.60%	8.13%	1.87%
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	69.23%	66.56%	68.55%	68.34%	72.52%	65.65%	62.08%	59.17%	78.44%	73.30%	78.57%
Debt to EBITDA	2.75	3.44	3.06	3.17	2.64	3.64	4.01	4.52	1.77	2.29	1.75
Net Debt to EBITDA	-2.00	0.46	-0.55	0.30	-1.43	1.23	2.39	2.73	-0.05	-0.01	-4.01
Long-Term Debt to EBITDA	2.22	2.72	2.52	2.65	2.01	2.89	3.41	3.84	0.79	0.70	0.15
Debt to NOPAT	3.89	4.92	4.41	4.56	3.82	5.28	6.12	6.99	2.67	3.42	2.54
Net Debt to NOPAT	-2.82	0.65	-0.80	0.44	-2.07	1.78	3.66	4.23	-0.08	-0.02	-5.82
Long-Term Debt to NOPAT	3.13	3.90	3.63	3.81	2.91	4.20	5.21	5.94	1.19	1.04	0.22
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)	-156	-81	37	126	-135	-202	-347	-313	52	0.97	74
Operating Cash Flow to CapEx	5,720.63%	2,516.15%	3,426.80%	231.68%	3,407.85%	1,376.82%	1,222.72%	-317.04%	4,190.52%	2,275.65%	5,141.82%
Free Cash Flow to Firm to Interest Expense	-5.76	-2.92	1.21	4.33	-4.00	-8.42	-16.50	-21.52	6.69	0.28	36.54
Operating Cash Flow to Interest Expense	3.43	0.85	1.70	0.10	2.11	0.93	1.02	-0.40	9.17	5.81	19.91
Operating Cash Flow Less CapEx to Interest Expense	3.37	0.82	1.65	0.06	2.05	0.86	0.93	-0.53	8.95	5.56	19.52
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.05
Fixed Asset Turnover	12.21	11.71	11.31	11.02	10.92	11.07	10.64	10.32	10.22	9.60	9.07
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,494	1,490	1,429	1,398	1,290	1,390	1,439	1,499	1,125	1,169	1,070
Invested Capital Turnover	0.29	0.27	0.26	0.26	0.30	0.28	0.28	0.26	0.31	0.28	0.29
Increase / (Decrease) in Invested Capital	204	100	-10	-101	165	222	369	334	-24	18	-54
Enterprise Value (EV)	911	1,415	1,172	1,064	772	1,193	1,151	1,168	783	753	175
Market Capitalization	1,244	1,349	1,253	1,021	964	1,032	825	798	790	755	700
Book Value per Share	$53.06	$51.02	$50.41	$49.22	$48.22	$47.10	$45.71	$44.91	$44.66	$43.38	$42.60
Tangible Book Value per Share	$50.98	$48.93	$48.33	$47.13	$42.34	$45.01	$39.75	$38.94	$38.81	$38.74	$41.77
Total Capital	1,494	1,490	1,429	1,398	1,290	1,390	1,439	1,499	1,125	1,169	1,070
Total Debt	460	498	449	443	355	478	546	612	242	312	229
Total Long-Term Debt	370	395	370	370	270	380	465	520	108	95	20
Net Debt	-333	66	-81	43	-192	161	326	370	-6.88	-1.73	-525
Capital Expenditures (CapEx)	1.63	0.94	1.50	1.29	2.09	1.62	1.75	1.84	1.69	0.88	0.78
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)	460	498	449	443	355	478	546	612	242	312	229
Total Depreciation and Amortization (D&A)	5.42	4.39	4.01	4.20	4.77	4.00	3.66	4.28	4.45	11	3.83
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$4.64	$1.86	$2.62	$2.49	$3.03	$1.96	$2.12	$2.05	$2.72	$1.80	$1.89
Adjusted Weighted Average Basic Shares Outstanding	19.52M	19.49M	19.45M	19.43M	19.41M	19.40M	19.38M	19.54M	19.75M	19.76M	19.75M
Adjusted Diluted Earnings per Share	$4.62	$1.85	$2.61	$2.48	$3.01	$1.95	$2.11	$2.05	$2.71	$1.79	$1.89
Adjusted Weighted Average Diluted Shares Outstanding	19.52M	19.49M	19.45M	19.43M	19.41M	19.40M	19.38M	19.54M	19.75M	19.76M	19.75M
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	19.52M	19.49M	19.45M	19.43M	19.41M	19.40M	19.38M	19.54M	19.75M	19.76M	19.75M
Normalized Net Operating Profit after Tax (NOPAT)	47	19	27	25	31	20	21	21	30	19	20
Normalized NOPAT Margin	34.80%	21.24%	30.12%	29.01%	25.47%	23.70%	27.11%	25.13%	25.76%	24.28%	26.99%
Pre Tax Income Margin	44.14%	25.75%	38.41%	36.95%	32.17%	28.24%	34.19%	31.49%	31.32%	30.81%	35.23%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.21	0.83	1.12	1.10	1.15	1.05	1.29	1.83	4.68	6.82	12.85
NOPAT to Interest Expense	1.74	0.69	0.88	0.86	0.91	0.82	1.03	1.45	3.64	5.38	9.85
EBIT Less CapEx to Interest Expense	2.15	0.80	1.07	1.06	1.09	0.98	1.20	1.70	4.46	6.57	12.47
NOPAT Less CapEx to Interest Expense	1.68	0.65	0.83	0.82	0.85	0.75	0.94	1.32	3.42	5.12	9.46
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	26.42%	30.09%	29.28%	30.23%	31.04%	31.37%	31.18%	31.14%	29.41%	28.70%	28.44%
Augmented Payout Ratio	26.42%	30.09%	33.37%	44.21%	31.04%	53.81%	49.70%	43.08%	29.41%	42.50%	55.92%

Frequently Asked Questions About Republic Bancorp's Financials

When does Republic Bancorp's fiscal year end?

According to the most recent income statement we have on file, Republic Bancorp's financial year ends in December. Their financial 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. Find out what analysts predict for Republic Bancorp in the coming months.

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 5/31/2025 by MarketBeat.com Staff

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Republic Bancorp (RBCAA) Financials

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Republic Bancorp (RBCAA) Financials

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