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Republic Bancorp (RBCAA) Financials

Republic Bancorp logo
$76.67 +0.80 (+1.05%)
Closing price 04:00 PM Eastern
Extended Trading
$76.64 -0.03 (-0.04%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 35 46 46 78 92 83 88 91 90 101 131
Consolidated Net Income / (Loss)		 35 46 46 78 92 83 88 91 90 101 131
Net Income / (Loss) Continuing Operations		 35 46 46 78 92 83 88 91 90 101 131
Total Pre-Tax Income 		53 69 78 94 113 103 111 117 113 128 166
Total Revenue		 172 214 257 289 311 319 309 327 360 385 417
Net Interest Income / (Expense)		 124 156 199 226 236 232 223 237 289 312 335
Total Interest Income		 142 174 219 256 281 252 228 244 356 433 439
Loans and Leases Interest Income		 134 164 206 238 260 241 220 221 325 388 387
Investment Securities Interest Income		 8.47 9.76 13 19 21 11 8.81 23 19 17 27
Other Interest Income		 - - - - - - - - 12 28 24
Total Interest Expense		 18 18 20 30 45 20 5.67 7.49 67 121 104
Deposits Interest Expense		 4.38 6.06 9.80 17 29 15 5.04 6.76 51 102 86
Short-Term Borrowings Interest Expense		 0.09 0.07 0.50 1.13 1.21 0.18 0.06 0.40 0.57 0.55 0.50
Long-Term Debt Interest Expense		 14 12 9.95 12 14 4.68 0.56 0.34 15 18 18
Total Non-Interest Income		 48 58 58 63 75 87 87 90 71 73 83
Trust Fees by Commissions		 1.23 3.04 - - 4.71 - - - - - 18
Net Realized & Unrealized Capital Gains on Investments		 -0.21 0.24 0.54 0.00 7.83 - - - 0.00 0.00 4.09
Other Non-Interest Income		 19 28 25 57 62 80 72 74 56 55 61
Provision for Credit Losses		 5.40 14 28 31 26 31 15 22 48 54 32
Total Non-Interest Expense		 113 130 151 164 172 185 183 187 199 203 220
Salaries and Employee Benefits		 58 70 82 91 99 106 110 111 116 119 127
Net Occupancy & Equipment Expense		 25 28 32 35 38 43 43 42 43 45 49
Marketing Expense		 3.16 3.78 5.19 4.43 5.02 4.03 4.39 6.88 8.45 9.44 7.72
Property & Liability Insurance Claims		 2.08 1.78 1.38 1.49 0.74 1.01 1.59 1.67 2.73 3.01 3.06
Other Operating Expenses		 25 27 29 32 29 32 24 26 27 27 34
Restructuring Charge		 - - - - - - 0.00 0.00 2.16 0.04 0.00
Income Tax Expense		 18 23 33 16 21 19 24 26 23 26 34
Basic Earnings per Share		 - - $4.22 $7.17 $8.42 $7.64 $8.19 $8.79 $8.85 $10.00 $12.87
Weighted Average Basic Shares Outstanding		 22.70M 22.70M 22.70M 22.80M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M 19.61M
Diluted Earnings per Share		 - - $4.20 $7.14 $8.38 $7.62 $8.17 $8.76 $8.82 $9.95 $12.83
Weighted Average Diluted Shares Outstanding		 22.70M 22.70M 22.70M 22.80M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M 19.61M
Weighted Average Basic & Diluted Shares Outstanding		 22.70M 22.70M 22.70M 22.80M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M 19.61M

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 22 21 31 25 27 19 47 31 30 23 43
Consolidated Net Income / (Loss)		 22 20 31 25 27 19 47 31 30 23 43
Net Income / (Loss) Continuing Operations		 22 21 31 25 27 19 47 31 30 23 43
Total Pre-Tax Income 		27 24 39 32 34 23 60 40 38 28 55
Total Revenue		 79 83 120 87 88 90 136 94 94 94 120
Net Interest Income / (Expense)		 65 67 97 69 71 75 103 76 77 79 90
Total Interest Income		 86 91 131 98 102 103 130 102 103 103 114
Loans and Leases Interest Income		 78 82 119 87 91 91 119 89 90 90 101
Investment Securities Interest Income		 7.69 8.62 12 10 11 12 4.56 13 14 -11 8.89
Other Interest Income		 - - - - - - 6.42 - - - 3.69
Total Interest Expense		 21 24 34 29 30 28 27 26 26 24 23
Deposits Interest Expense		 16 20 27 26 26 24 21 22 22 20 19
Short-Term Borrowings Interest Expense		 0.03 0.12 0.13 0.13 0.14 0.14 0.14 0.14 0.12 0.11 0.09
Long-Term Debt Interest Expense		 5.35 4.16 6.59 3.26 4.30 4.05 5.64 4.01 4.06 4.05 4.41
Total Non-Interest Income		 14 15 23 18 17 14 33 18 17 15 30
Other Service Charges		 4.04 4.56 - - 4.96 - 3.82 4.45 4.89 - 4.55
Net Realized & Unrealized Capital Gains on Investments		 - - 0.00 0.00 0.00 - 4.09 0.00 0.00 - 5.85
Other Non-Interest Income		 10 12 19 14 12 9.84 25 13 12 11 20
Provision for Credit Losses		 3.73 11 31 5.14 5.66 13 18 1.82 2.02 10 9.78
Total Non-Interest Expense		 48 47 51 50 49 54 58 52 54 57 55
Salaries and Employee Benefits		 29 26 30 29 29 31 31 31 31 34 32
Net Occupancy & Equipment Expense		 11 11 11 11 11 12 12 12 12 12 12
Marketing Expense		 2.06 2.30 1.92 2.71 1.98 2.83 1.39 1.24 2.67 2.42 1.78
Property & Liability Insurance Claims		 0.68 0.69 0.77 0.75 0.76 0.73 0.82 0.73 0.76 0.75 0.83
Other Operating Expenses		 6.21 6.46 7.21 6.29 6.30 7.24 13 6.78 7.04 7.01 8.93
Income Tax Expense		 5.50 3.86 8.09 6.90 7.31 4.03 13 8.91 8.02 4.77 13
Basic Earnings per Share		 $2.12 $1.96 $3.03 $2.49 $2.62 $1.86 $4.64 $3.09 $2.92 $2.22 $4.16
Weighted Average Basic Shares Outstanding		 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M 19.52M 19.53M 19.54M 19.61M 19.62M
Diluted Earnings per Share		 $2.11 $1.95 $3.01 $2.48 $2.61 $1.85 $4.62 $3.08 $2.91 $2.22 $4.16
Weighted Average Diluted Shares Outstanding		 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M 19.52M 19.53M 19.54M 19.61M 19.62M
Weighted Average Basic & Diluted Shares Outstanding		 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M 19.52M 19.53M 19.54M 19.61M 19.62M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 137 79 10 52 34 100 271 -443 2.88 116 -212
Net Cash From Operating Activities		 50 48 78 119 105 75 100 155 109 149 168
Net Cash From Continuing Operating Activities		 50 48 78 119 105 75 100 155 109 149 168
Net Income / (Loss) Continuing Operations		 35 46 46 78 92 83 88 91 90 101 131
Consolidated Net Income / (Loss)		 35 46 46 78 92 83 88 91 90 101 131
Provision For Loan Losses		 5.40 14 28 31 26 32 15 23 48 55 32
Depreciation Expense		 6.61 7.30 8.47 9.35 9.23 9.73 8.99 7.60 7.06 6.91 6.68
Amortization Expense		 -0.71 -0.31 -4.62 -2.01 -1.07 -6.12 -0.23 11 9.31 10 12
Non-Cash Adjustments to Reconcile Net Income		 1.13 -12 -1.60 -6.30 -19 -18 -6.17 27 -8.34 -3.73 -12
Changes in Operating Assets and Liabilities, net		 2.45 -7.47 2.20 8.96 -1.42 -25 -4.82 -4.86 -38 -21 -1.73
Net Cash From Investing Activities		 -358 -296 -287 -122 -435 -422 307 -255 -517 -181 -436
Net Cash From Continuing Investing Activities		 -358 -296 -287 -122 -435 -422 307 -255 -517 -181 -436
Purchase of Property, Leasehold Improvements and Equipment		 -5.32 -7.03 -12 -9.82 -13 -3.58 -5.79 -3.50 -6.90 -5.81 -7.10
Purchase of Investment Securities		 -1,798 -825 -520 -395 -893 -703 64 -446 -652 -624 -999
Sale and/or Maturity of Investments		 1,444 536 245 283 464 284 247 195 142 449 570
Net Cash From Financing Activities		 445 328 219 54 364 447 -135 -344 411 148 56
Net Cash From Continuing Financing Activities		 445 328 219 54 364 447 -135 -344 411 148 56
Net Change in Deposits		 429 469 272 23 462 947 106 -301 294 157 -7.40
Issuance of Debt		 249 395 456 530 760 633 105 21 1,018 830 624
Issuance of Common Equity		 - - - 0.23 0.49 0.53 0.59 0.59 0.63 0.67 0.62
Repayment of Debt		 -218 -514 -490 -479 -835 -1,107 -235 -25 -852 -809 -528
Repurchase of Common Equity		 -0.55 -5.21 -1.05 -0.83 -1.42 -3.94 -88 -13 -20 0.00 -0.07
Payment of Dividends		 -16 -17 -18 -19 -21 -23 -25 -26 -28 -31 -34
Other Financing Activities, Net		 1.14 0.08 0.07 0.08 -0.19 0.00 -0.14 0.05 -0.00 -0.64 0.25
Cash Interest Paid		 18 18 20 30 43 22 5.85 7.41 63 120 106
Cash Income Taxes Paid		 18 26 29 11 17 25 20 22 21 27 22

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -22 97 230 -146 131 -99 361 -308 -0.57 -264 379
Net Cash From Operating Activities		 21 22 71 2.98 51 24 89 8.45 33 33 73
Net Cash From Continuing Operating Activities		 21 22 71 2.98 51 24 89 8.45 33 33 73
Net Income / (Loss) Continuing Operations		 22 20 31 25 27 19 47 31 30 23 43
Consolidated Net Income / (Loss)		 22 20 31 25 27 19 47 31 30 23 43
Provision For Loan Losses		 3.54 11 31 5.02 5.55 13 18 1.81 2.00 10 9.86
Depreciation Expense		 1.66 2.13 1.94 1.62 1.71 1.63 1.94 1.60 1.53 1.61 1.74
Amortization Expense		 1.99 1.86 2.82 2.58 2.30 2.76 3.48 2.72 3.08 2.64 3.94
Non-Cash Adjustments to Reconcile Net Income		 4.42 -8.67 -4.67 -13 6.83 0.77 -9.27 -1.43 -4.20 -0.73 -13
Changes in Operating Assets and Liabilities, net		 -12 -3.70 10 -19 8.33 -14 28 -28 1.13 -3.10 28
Net Cash From Investing Activities		 -25 -106 -78 122 48 -272 122 -202 -54 -299 156
Net Cash From Continuing Investing Activities		 -25 -106 -78 122 48 -272 122 -202 -54 -299 156
Purchase of Property, Leasehold Improvements and Equipment		 -1.75 -1.62 -2.09 -1.29 -1.50 -0.94 -1.63 -3.28 -2.47 0.28 -4.92
Purchase of Investment Securities		 -17 -169 -130 -53 -100 -341 0.27 -295 -239 -465 -75
Sale and/or Maturity of Investments		 -6.36 65 54 176 149 69 124 97 188 166 236
Net Cash From Financing Activities		 -18 180 236 -271 32 150 149 -115 20 1.11 150
Net Cash From Continuing Financing Activities		 -18 180 236 -271 32 150 149 -115 20 1.11 150
Net Change in Deposits		 64 260 367 -352 33 109 195 -89 21 -135 306
Issuance of Debt		 395 -9.34 0.00 750 55 25 403 75 5.00 141 431
Repayment of Debt		 -461 -59 -123 -662 -48 24 -442 -93 2.42 3.80 -577
Repurchase of Common Equity		 -9.40 -4.17 0.16 -0.16 - - 0.15 -0.22 - - 0.14
Payment of Dividends		 -7.25 -7.17 -7.13 -7.78 -7.79 -7.80 -7.81 -8.68 -8.68 -8.69 -8.69
Other Financing Activities, Net		 -0.01 0.19 -1.10 0.24 0.17 0.06 0.38 -0.01 0.04 -0.16 -0.37
Cash Interest Paid		 20 22 31 32 29 28 28 26 26 26 22
Cash Income Taxes Paid		 0.16 4.21 0.57 15 4.91 6.53 0.39 16 3.83 2.12 0.51

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 4,230 4,816 5,085 5,240 5,620 6,168 6,094 5,836 6,595 6,847 7,042
Cash and Due from Banks		 210 - - 351 385 486 757 314 317 432 220
Trading Account Securities		 560 12 5.76 553 494 574 32 622 3.40 604 898
Loans and Leases, Net of Allowance		 3,299 -33 -43 4,104 4,390 4,752 -65 -70 -82 5,347 5,361
Loans and Leases		 3,327 - - 4,148 4,433 4,813 - - - 5,439 5,446
Allowance for Loan and Lease Losses		 27 33 43 45 43 61 65 70 82 92 85
Loans Held for Sale		 0.51 3.51 8.55 13 12 4.78 23 18 24 24 110
Accrued Investment Income		 37 - - 62 82 112 57 76 - 197 201
Premises and Equipment, Net		 31 - - 43 46 40 36 32 33 32 36
Goodwill		 10 16 16 16 16 16 16 16 41 41 41
Other Assets		 82 - - 99 195 185 5,186 4,753 6,259 169 175
Total Liabilities & Shareholders' Equity		 4,230 0.00 0.00 5,240 5,620 6,168 6,094 5,836 6,595 6,847 7,042
Total Liabilities		 3,654 0.00 0.00 4,550 4,856 5,345 5,259 4,979 5,682 5,855 5,940
Non-Interest Bearing Deposits		 635 - - 1,004 1,033 1,890 1,990 1,909 1,677 1,208 1,173
Interest Bearing Deposits		 1,853 - - 2,452 2,753 2,843 2,850 2,629 3,376 4,003 4,030
Short-Term Debt		 395 - - 183 168 211 291 217 98 103 89
Long-Term Debt		 741 - - 851 791 276 25 95 380 395 506
Other Long-Term Liabilities		 30 - - 60 111 125 103 129 36 146 142
Commitments & Contingencies		 0.00 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 577 0.00 0.00 690 764 823 835 857 913 992 1,102
Total Preferred & Common Equity		 577 604 632 690 764 823 835 857 913 992 1,102
Preferred Stock		 0.00 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 577 0.00 0.00 690 764 823 835 857 913 992 1,102
Common Stock		 142 - - 146 147 149 145 146 147 153 161
Retained Earnings		 433 - - 545 614 666 689 742 786 854 945
Accumulated Other Comprehensive Income / (Loss)		 2.05 - - -1.00 3.10 8.51 1.87 -32 -20 -14 -4.40

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 6,000 6,074 6,370 6,386 6,876 6,617 6,692 7,076 6,971 7,015 7,253
Cash and Due from Banks		 754 249 242 220 546 400 531 793 485 484 599
Trading Account Securities		 3.09 614 608 604 669 491 8.77 619 9.61 865 900
Loans and Leases, Net of Allowance		 -65 -96 -72 -75 -109 -81 -82 -106 -82 5,202 5,275
Loans and Leases		 - - - - - - - - - 5,281 5,367
Allowance for Loan and Lease Losses		 65 96 72 75 109 81 82 106 82 80 92
Loans Held for Sale		 21 17 22 22 19 32 26 32 28 25 29
Accrued Investment Income		 132 88 95 110 118 198 - 198 - 192 200
Premises and Equipment, Net		 33 34 34 34 34 33 33 32 37 38 41
Goodwill		 16 42 41 41 41 41 41 41 41 41 41
Other Assets		 5,105 5,052 5,323 5,355 5,484 5,503 6,136 5,461 6,453 170 170
Total Liabilities & Shareholders' Equity		 6,000 6,074 6,370 6,386 6,876 6,617 6,692 7,076 6,971 7,015 7,253
Total Liabilities		 5,159 5,192 5,483 5,493 5,940 5,661 5,713 6,041 5,911 5,930 6,120
Non-Interest Bearing Deposits		 2,014 2,014 1,855 1,703 1,360 1,279 1,260 1,375 1,223 1,239 1,275
Interest Bearing Deposits		 2,786 2,786 2,874 3,091 4,061 3,790 3,842 4,031 4,094 4,099 4,234
Short-Term Debt		 209 134 92 81 85 73 79 90 72 75 81
Long-Term Debt		 20 108 520 465 270 370 370 370 370 375 367
Other Long-Term Liabilities		 129 150 141 154 165 150 37 176 35 143 163
Commitments & Contingencies		 0.00 0.00 0.00 0.00 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 1,034 1,060 1,085 1,133
Total Preferred & Common Equity		 841 882 887 893 936 955 980 1,034 1,060 1,085 1,133
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 841 882 887 893 936 955 980 1,034 1,060 1,085 1,133
Common Stock		 146 147 147 146 147 149 151 156 158 160 164
Retained Earnings		 729 763 771 778 809 825 843 890 911 932 976
Accumulated Other Comprehensive Income / (Loss)		 -33 -28 -31 -31 -20 -19 -14 -12 -9.56 -7.10 -6.93

Annual Metrics And Ratios for Republic Bancorp

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 19,537,367.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 19,537,367.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 6.72
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 10.74% 24.19% 20.31% 12.67% 7.48% 2.65% -3.15% 5.56% 10.86% 6.31% 8.50%
EBITDA Growth		 28.11% 28.41% 8.27% 23.55% 19.44% -12.46% 13.14% 13.09% -3.40% 10.47% 27.05%
EBIT Growth		 20.15% 29.52% 13.66% 20.25% 20.08% -9.33% 8.58% 4.85% -1.63% 11.10% 29.76%
NOPAT Growth		 22.16% 30.53% -0.59% 70.61% 17.79% -9.22% 5.24% 3.99% -0.80% 12.17% 29.54%
Net Income Growth		 22.16% 30.53% -0.59% 70.61% 17.79% -9.22% 5.24% 3.99% -0.80% 12.17% 29.54%
EPS Growth		 0.00% 0.00% 0.00% 70.00% 17.37% -9.07% 7.22% 7.22% 0.68% 12.81% 28.94%
Operating Cash Flow Growth		 87.40% -4.74% 63.15% 53.28% -11.77% -28.29% 32.91% 54.40% -29.88% 37.29% 12.89%
Free Cash Flow Firm Growth		 -100.80% -21,779.69% 92.69% 1,639.27% -97.30% 434.44% -50.14% -70.24% -278.68% 101.06% -5,474.32%
Invested Capital Growth		 2.95% 181.21% 5.59% -66.10% -0.06% -23.94% -12.18% 1.52% 18.98% 7.19% 13.85%
Revenue Q/Q Growth		 2.69% 5.93% 3.50% 1.25% 3.20% 0.97% -2.68% 2.40% 1.99% 1.64% 1.15%
EBITDA Q/Q Growth		 7.06% 5.26% 0.09% 5.80% 11.39% -11.87% 7.77% 3.76% -3.63% -1.23% 2.45%
EBIT Q/Q Growth		 6.77% 5.67% 2.15% 4.10% 11.83% -6.63% -3.56% 2.26% 1.55% -1.69% 2.82%
NOPAT Q/Q Growth		 6.62% 5.96% -10.16% 19.07% 10.17% -4.86% -4.25% 0.98% 1.28% -0.63% 2.98%
Net Income Q/Q Growth		 6.62% 5.96% -10.16% 19.07% 10.17% -6.10% -3.02% 0.98% 1.28% -0.63% 2.98%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% -6.27% -2.16% 1.27% 1.85% -1.00% 2.97%
Operating Cash Flow Q/Q Growth		 42.10% -10.27% 1.33% 24.14% 12.58% -29.70% -8.71% 11.67% 2.14% 0.85% 6.84%
Free Cash Flow Firm Q/Q Growth		 79.33% -13,034.92% -318.58% 196.83% -97.08% -54.97% 218.79% -48.96% 53.00% -98.75% -433.07%
Invested Capital Q/Q Growth		 4.62% 190.71% 216.78% -66.98% -18.86% 18.04% 2.38% 9.18% -3.39% 4.29% 10.61%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.40% 35.57% 32.01% 35.10% 39.00% 33.26% 38.86% 41.63% 36.28% 37.70% 44.15%
EBIT Margin		 30.96% 32.29% 30.51% 32.56% 36.38% 32.14% 36.03% 35.79% 31.75% 33.19% 39.69%
Profit (Net Income) Margin		 20.45% 21.49% 17.76% 26.89% 29.47% 26.07% 28.32% 27.90% 24.97% 26.34% 31.45%
Tax Burden Percent		 66.05% 66.56% 58.21% 82.59% 81.01% 81.11% 78.62% 77.97% 79.83% 79.38% 79.25%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 98.50% 100.00% 100.00%
Effective Tax Rate		 33.95% 33.44% 41.79% 17.41% 18.99% 18.89% 21.38% 22.03% 20.17% 20.62% 20.75%
Return on Invested Capital (ROIC)		 2.08% 1.41% 0.92% 2.29% 5.32% 5.49% 7.12% 7.86% 7.06% 7.04% 8.24%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.08% 1.41% 0.92% 2.29% 5.32% 5.49% 7.12% 7.86% 7.06% 7.04% 8.24%
Return on Net Nonoperating Assets (RNNOA)		 4.11% 14.52% 0.00% 20.28% 7.29% 5.00% 3.45% 2.92% 3.15% 3.61% 4.30%
Return on Equity (ROE)		 6.20% 15.92% 0.00% 22.57% 12.61% 10.49% 10.57% 10.77% 10.22% 10.64% 12.54%
Cash Return on Invested Capital (CROIC)		 -0.83% -93.66% -4.51% 101.01% 5.38% 32.68% 20.08% 6.34% -10.27% 0.10% -4.71%
Operating Return on Assets (OROA)		 1.33% 1.52% 1.58% 1.83% 2.08% 1.74% 1.82% 1.96% 1.85% 1.90% 2.39%
Return on Assets (ROA)		 0.88% 1.01% 0.92% 1.51% 1.69% 1.41% 1.43% 1.53% 1.45% 1.51% 1.89%
Return on Common Equity (ROCE)		 6.20% 15.92% 0.00% 22.57% 12.61% 10.49% 10.57% 10.77% 10.22% 10.64% 12.54%
Return on Equity Simple (ROE_SIMPLE)		 6.10% 7.59% 7.22% 11.28% 12.00% 10.11% 10.49% 10.64% 9.90% 10.22% 11.91%
Net Operating Profit after Tax (NOPAT)		 35 46 46 78 92 83 88 91 90 101 131
NOPAT Margin		 20.45% 21.49% 17.76% 26.89% 29.47% 26.07% 28.32% 27.90% 24.97% 26.34% 31.45%
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		 50.10% 47.46% 46.39% 45.11% 45.70% 47.83% 50.76% 49.03% 46.24% 44.86% 43.97%
Operating Expenses to Revenue		 65.90% 60.92% 58.71% 56.60% 55.34% 58.07% 59.18% 57.37% 55.09% 52.68% 52.74%
Earnings before Interest and Taxes (EBIT)		 53 69 78 94 113 103 111 117 115 128 166
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 59 76 82 102 121 106 120 136 131 145 184
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.74 0.00 0.00 0.98 1.09 0.81 1.11 0.88 1.13 1.36 1.22
Price to Tangible Book Value (P/TBV)		 0.75 0.00 0.00 1.00 1.12 0.83 1.21 0.99 1.18 1.42 1.27
Price to Revenue (P/Rev)		 2.48 3.07 2.51 2.33 2.69 2.08 3.01 2.31 2.85 3.51 3.23
Price to Earnings (P/E)		 12.11 14.29 14.15 8.66 9.11 8.00 10.61 8.28 11.21 13.31 10.26
Dividend Yield		 3.82% 2.62% 2.81% 3.00% 2.65% 3.59% 2.68% 3.57% 2.81% 2.35% 2.61%
Earnings Yield		 8.26% 7.00% 7.07% 11.55% 10.98% 12.50% 9.42% 12.07% 8.92% 7.51% 9.74%
Enterprise Value to Invested Capital (EV/IC)		 0.79 0.14 0.13 0.79 0.82 0.51 0.42 0.64 0.86 0.95 1.02
Enterprise Value to Revenue (EV/Rev)		 7.86 3.07 2.51 4.69 4.53 2.09 1.58 2.31 3.30 3.68 4.13
Enterprise Value to EBITDA (EV/EBITDA)		 22.86 8.63 7.85 13.35 11.61 6.28 4.07 5.54 9.09 9.76 9.35
Enterprise Value to EBIT (EV/EBIT)		 25.39 9.51 8.24 14.39 12.45 6.50 4.39 6.44 10.38 11.08 10.39
Enterprise Value to NOPAT (EV/NOPAT)		 38.44 14.29 14.15 17.43 15.37 8.02 5.58 8.26 13.20 13.96 13.12
Enterprise Value to Operating Cash Flow (EV/OCF)		 27.01 13.76 8.30 11.38 13.40 8.85 4.88 4.86 10.99 9.50 10.24
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.39 15.19 1.35 1.98 10.24 0.00 1,012.45 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.97 0.00 0.00 1.50 1.25 0.59 0.38 0.36 0.52 0.50 0.54
Long-Term Debt to Equity		 1.28 0.00 0.00 1.23 1.04 0.34 0.03 0.11 0.42 0.40 0.46
Financial Leverage		 1.97 10.32 0.00 8.87 1.37 0.91 0.48 0.37 0.45 0.51 0.52
Leverage Ratio		 7.03 15.69 0.00 14.97 7.47 7.43 7.39 7.05 7.03 7.06 6.63
Compound Leverage Factor		 7.03 15.69 0.00 14.97 7.47 7.43 7.39 7.05 6.92 7.06 6.63
Debt to Total Capital		 66.34% 0.00% 0.00% 59.98% 55.65% 37.18% 27.45% 26.70% 34.35% 33.44% 35.04%
Short-Term Debt to Total Capital		 23.09% 0.00% 0.00% 10.61% 9.73% 16.10% 25.28% 18.57% 7.02% 6.93% 5.22%
Long-Term Debt to Total Capital		 43.25% 0.00% 0.00% 49.37% 45.92% 21.08% 2.17% 8.13% 27.33% 26.50% 29.82%
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		 33.66% 0.00% 0.00% 40.02% 44.35% 62.82% 72.55% 73.30% 65.65% 66.56% 64.96%
Debt to EBITDA		 19.21 0.00 0.00 10.18 7.90 4.59 2.63 2.29 3.64 3.44 3.23
Net Debt to EBITDA		 15.66 0.00 0.00 6.72 4.73 0.02 -3.67 -0.01 1.23 0.46 2.03
Long-Term Debt to EBITDA		 12.52 0.00 0.00 8.38 6.52 2.60 0.21 0.70 2.89 2.72 2.75
Debt to NOPAT		 32.31 0.00 0.00 13.28 10.46 5.85 3.61 3.42 5.28 4.92 4.53
Net Debt to NOPAT		 26.33 0.00 0.00 8.77 6.25 0.02 -5.03 -0.02 1.78 0.65 2.85
Long-Term Debt to NOPAT		 21.06 0.00 0.00 10.93 8.63 3.32 0.29 1.04 4.20 3.90 3.85
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)		 -14 -3,058 -223 3,439 93 496 247 74 -131 1.40 -75
Operating Cash Flow to CapEx		 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% 2,367.85%
Free Cash Flow to Firm to Interest Expense		 -0.76 -170.46 -11.03 114.17 2.07 24.86 43.63 9.82 -1.95 0.01 -0.72
Operating Cash Flow to Interest Expense		 2.71 2.66 3.84 3.96 2.35 3.78 17.69 20.66 1.61 1.23 1.62
Operating Cash Flow Less CapEx to Interest Expense		 2.42 2.27 3.23 3.66 2.08 3.65 16.79 20.19 1.51 1.19 1.55
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.06 0.06 0.05 0.05 0.05 0.06 0.06 0.06
Fixed Asset Turnover		 5.37 0.00 0.00 0.00 6.97 7.45 8.18 9.60 11.07 11.71 12.23
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,713 4,816 5,085 1,724 1,723 1,311 1,151 1,169 1,390 1,490 1,697
Invested Capital Turnover		 0.10 0.07 0.05 0.09 0.18 0.21 0.25 0.28 0.28 0.27 0.26
Increase / (Decrease) in Invested Capital		 49 3,104 269 -3,361 -1.06 -413 -160 18 222 100 206
Enterprise Value (EV)		 1,352 656 646 1,357 1,409 668 489 753 1,193 1,415 1,722
Market Capitalization		 426 656 646 674 836 666 930 755 1,032 1,349 1,348
Book Value per Share		 $27.65 $0.00 $0.00 $33.00 $36.48 $39.36 $41.32 $43.38 $47.10 $51.02 $56.42
Tangible Book Value per Share		 $27.16 ($0.78) ($0.78) $32.24 $35.70 $38.58 $38.01 $38.74 $45.01 $48.93 $54.35
Total Capital		 1,713 0.00 0.00 1,724 1,723 1,311 1,151 1,169 1,390 1,490 1,697
Total Debt		 1,136 0.00 0.00 1,034 959 487 316 312 478 498 595
Total Long-Term Debt		 741 0.00 0.00 851 791 276 25 95 380 395 506
Net Debt		 926 0.00 0.00 683 574 1.68 -441 -1.73 161 66 375
Capital Expenditures (CapEx)		 5.32 7.03 12 9.06 12 2.69 5.15 3.50 6.90 5.81 7.10
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)		 1,136 4,816 5,085 1,034 959 487 316 312 478 498 595
Total Depreciation and Amortization (D&A)		 5.90 6.99 3.85 7.34 8.16 3.60 8.75 19 16 17 19
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $4.22 $0.00 $8.42 $7.64 $8.12 $8.79 $8.85 $10.00 $12.87
Adjusted Weighted Average Basic Shares Outstanding		 20.90M 20.85M 20.85M 20.89M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M 19.61M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $4.20 $0.00 $8.38 $7.62 $8.09 $8.76 $8.82 $9.95 $12.83
Adjusted Weighted Average Diluted Shares Outstanding		 20.90M 20.85M 20.85M 20.89M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M 19.61M
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		 20.90M 20.85M 20.85M 20.89M 20.95M 20.86M 19.99M 19.76M 19.40M 19.49M 19.61M
Normalized Net Operating Profit after Tax (NOPAT)		 35 46 46 78 92 83 88 91 92 101 131
Normalized NOPAT Margin		 20.50% 21.55% 18.03% 26.89% 29.47% 26.07% 28.32% 27.90% 25.44% 26.35% 31.45%
Pre Tax Income Margin		 30.96% 32.29% 30.51% 32.56% 36.38% 32.14% 36.03% 35.79% 31.28% 33.19% 39.69%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.88 3.84 3.87 3.13 2.53 5.15 19.67 15.59 1.71 1.06 1.60
NOPAT to Interest Expense		 1.90 2.56 2.25 2.58 2.05 4.17 15.46 12.16 1.34 0.84 1.26
EBIT Less CapEx to Interest Expense		 2.60 3.45 3.26 2.83 2.26 5.01 18.76 15.13 1.61 1.01 1.53
NOPAT Less CapEx to Interest Expense		 1.62 2.17 1.64 2.28 1.78 4.04 14.55 11.69 1.24 0.79 1.20
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 45.04% 36.53% 38.69% 25.04% 23.31% 27.87% 28.19% 28.70% 31.37% 30.09% 25.78%
Augmented Payout Ratio		 46.61% 47.87% 40.99% 26.11% 24.86% 32.60% 128.10% 42.50% 53.81% 30.09% 25.83%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 19,537,367.00 19,609,345.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 19,537,367.00 19,609,345.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.17 2.17
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.41% 9.25% 4.31% 3.21% 11.30% 7.47% 12.93% 8.02% 6.15% 5.31% -11.36%
EBITDA Growth		 3.12% -14.48% 7.16% 17.93% 23.20% -6.17% 50.42% 23.14% 11.92% 16.06% -6.61%
EBIT Growth		 4.26% 7.49% 7.16% 21.11% 25.03% -8.70% 54.94% 25.81% 11.56% 19.72% -7.63%
NOPAT Growth		 8.42% 6.19% 8.95% 19.73% 23.05% -3.27% 54.44% 24.91% 12.06% 20.01% -9.94%
Net Income Growth		 8.42% 6.19% 8.95% 19.73% 23.05% -3.27% 54.44% 24.91% 12.06% 20.01% -9.94%
EPS Growth		 9.33% 8.94% 11.07% 20.98% 23.70% -5.13% 53.49% 24.19% 11.49% 20.00% -9.96%
Operating Cash Flow Growth		 -46.88% 11.37% 0.69% 151.07% 139.99% 5.61% 30.84% 112.23% -35.08% 47.78% -18.06%
Free Cash Flow Firm Growth		 -570.57% -21,047.77% -361.28% 140.40% 110.55% 59.95% -15.98% -157.59% -305.20% -126.82% 71.33%
Invested Capital Growth		 34.46% 18.98% 14.72% -6.74% -0.70% 7.19% 15.79% 7.45% 7.34% 13.85% 5.85%
Revenue Q/Q Growth		 -5.95% 5.20% 44.43% -27.77% 1.42% 1.58% 51.76% -30.92% -0.33% 0.78% 27.73%
EBITDA Q/Q Growth		 -0.19% -4.83% 48.63% -16.47% 4.27% -27.52% 138.27% -31.62% -5.23% -24.83% 91.73%
EBIT Q/Q Growth		 2.13% -6.74% 53.28% -17.04% 5.43% -31.90% 160.14% -32.64% -6.51% -26.92% 100.71%
NOPAT Q/Q Growth		 2.47% -8.86% 55.68% -17.64% 5.30% -28.36% 148.57% -33.39% -5.53% -23.28% 86.53%
Net Income Q/Q Growth		 2.47% -8.86% 55.68% -17.64% 5.30% -28.36% 148.57% -33.39% -5.53% -23.28% 86.53%
EPS Q/Q Growth		 2.93% -7.58% 54.36% -17.61% 5.24% -29.12% 149.73% -33.33% -5.52% -23.71% 87.39%
Operating Cash Flow Q/Q Growth		 465.58% 4.29% 219.72% -95.81% 1,618.00% -54.11% 296.11% -90.93% 293.89% 0.04% 119.28%
Free Cash Flow Firm Q/Q Growth		 -11.13% 41.79% 33.27% 193.60% -70.97% -320.88% -93.23% 53.52% -3.45% -144.16% 75.58%
Invested Capital Q/Q Growth		 -3.99% -3.39% -7.21% 8.36% 2.22% 4.29% 0.23% 0.56% 2.12% 10.61% -6.81%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 38.81% 35.11% 36.13% 41.79% 42.96% 30.66% 48.13% 47.64% 45.30% 33.78% 50.71%
EBIT Margin		 34.19% 30.31% 32.17% 36.95% 38.41% 25.75% 44.14% 43.04% 40.37% 29.27% 46.00%
Profit (Net Income) Margin		 27.25% 23.60% 25.44% 29.01% 30.12% 21.24% 34.80% 33.55% 31.80% 24.21% 35.35%
Tax Burden Percent		 79.68% 83.59% 79.09% 78.51% 78.42% 82.50% 78.83% 77.95% 78.77% 82.70% 76.86%
Interest Burden Percent		 100.00% 93.16% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.32% 16.41% 20.91% 21.49% 21.58% 17.50% 21.17% 22.05% 21.23% 17.30% 23.14%
Return on Invested Capital (ROIC)		 7.71% 6.68% 7.73% 7.40% 7.95% 5.68% 10.01% 9.42% 8.86% 6.34% 9.24%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.71% 6.68% 7.73% 7.40% 7.95% 5.68% 10.01% 9.42% 8.86% 6.34% 9.24%
Return on Net Nonoperating Assets (RNNOA)		 3.44% 2.98% 2.54% 4.24% 4.22% 2.91% 4.14% 4.14% 3.86% 3.31% 3.87%
Return on Equity (ROE)		 11.15% 9.66% 10.27% 11.64% 12.18% 8.58% 14.15% 13.56% 12.72% 9.65% 13.12%
Cash Return on Invested Capital (CROIC)		 -22.29% -10.27% -6.01% 13.67% 7.82% 0.10% -6.15% 1.39% 1.52% -4.71% 2.55%
Operating Return on Assets (OROA)		 1.96% 1.77% 1.82% 2.10% 2.22% 1.47% 2.53% 2.58% 2.43% 1.76% 2.58%
Return on Assets (ROA)		 1.56% 1.37% 1.44% 1.65% 1.74% 1.22% 2.00% 2.01% 1.92% 1.46% 1.98%
Return on Common Equity (ROCE)		 11.15% 9.66% 10.27% 11.64% 12.18% 8.58% 14.15% 13.56% 12.72% 9.65% 13.12%
Return on Equity Simple (ROE_SIMPLE)		 9.99% 0.00% 9.93% 10.16% 10.41% 0.00% 11.41% 11.73% 11.76% 0.00% 11.17%
Net Operating Profit after Tax (NOPAT)		 22 20 31 25 27 19 47 31 30 23 43
NOPAT Margin		 27.25% 23.60% 25.44% 29.01% 30.12% 21.24% 34.80% 33.55% 31.80% 24.21% 35.35%
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		 52.57% 47.80% 35.71% 49.03% 47.14% 50.88% 32.88% 47.01% 49.13% 51.81% 37.78%
Operating Expenses to Revenue		 61.09% 56.49% 42.37% 57.13% 55.16% 59.78% 42.85% 55.02% 57.47% 60.04% 45.88%
Earnings before Interest and Taxes (EBIT)		 27 25 39 32 34 23 60 40 38 28 55
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 31 29 43 36 38 27 65 45 42 32 61
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.92 1.13 1.03 1.07 1.28 1.36 1.20 1.34 1.30 1.22 1.22
Price to Tangible Book Value (P/TBV)		 1.06 1.18 1.17 1.12 1.33 1.42 1.25 1.39 1.35 1.27 1.27
Price to Revenue (P/Rev)		 2.33 2.85 2.63 2.76 3.31 3.51 3.11 3.48 3.42 3.23 3.44
Price to Earnings (P/E)		 9.25 11.21 10.18 10.34 12.08 13.31 10.54 11.42 11.07 10.26 10.93
Dividend Yield		 3.46% 2.81% 3.08% 2.97% 2.47% 2.35% 2.62% 2.36% 2.44% 2.61% 2.62%
Earnings Yield		 10.81% 8.92% 9.82% 9.67% 8.28% 7.51% 9.49% 8.76% 9.04% 9.74% 9.15%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.86 0.60 0.76 0.82 0.95 0.61 0.92 0.90 1.02 0.78
Enterprise Value to Revenue (EV/Rev)		 3.24 3.30 2.10 2.88 3.09 3.68 2.27 3.38 3.33 4.13 3.06
Enterprise Value to EBITDA (EV/EBITDA)		 8.45 9.09 5.75 7.61 7.98 9.76 5.45 7.85 7.65 9.35 6.85
Enterprise Value to EBIT (EV/EBIT)		 10.17 10.38 6.57 8.64 9.02 11.08 6.11 8.75 8.54 10.39 7.65
Enterprise Value to NOPAT (EV/NOPAT)		 12.90 13.20 8.31 10.96 11.48 13.96 7.71 11.07 10.79 13.12 9.73
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.84 10.99 7.08 9.03 7.93 9.50 5.33 7.85 8.74 10.24 8.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 5.37 10.45 1,012.45 0.00 68.40 61.01 0.00 31.43
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.61 0.52 0.38 0.46 0.46 0.50 0.44 0.42 0.41 0.54 0.40
Long-Term Debt to Equity		 0.52 0.42 0.29 0.39 0.38 0.40 0.36 0.35 0.35 0.46 0.32
Financial Leverage		 0.45 0.45 0.33 0.57 0.53 0.51 0.41 0.44 0.44 0.52 0.42
Leverage Ratio		 7.14 7.03 7.12 7.05 6.98 7.06 7.08 6.74 6.64 6.63 6.61
Compound Leverage Factor		 7.14 6.54 7.12 7.05 6.98 7.06 7.08 6.74 6.64 6.63 6.61
Debt to Total Capital		 37.92% 34.35% 27.48% 31.66% 31.45% 33.44% 30.77% 29.43% 29.30% 35.04% 28.32%
Short-Term Debt to Total Capital		 5.61% 7.02% 6.55% 5.19% 5.55% 6.93% 6.01% 4.80% 4.86% 5.22% 5.14%
Long-Term Debt to Total Capital		 32.31% 27.33% 20.93% 26.47% 25.89% 26.50% 24.77% 24.63% 24.45% 29.82% 23.18%
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		 62.08% 65.65% 72.52% 68.34% 68.55% 66.56% 69.23% 70.57% 70.70% 64.96% 71.68%
Debt to EBITDA		 4.01 3.64 2.64 3.17 3.06 3.44 2.75 2.52 2.50 3.23 2.49
Net Debt to EBITDA		 2.39 1.23 -1.43 0.30 -0.55 0.46 -2.00 -0.24 -0.19 2.03 -0.84
Long-Term Debt to EBITDA		 3.41 2.89 2.01 2.65 2.52 2.72 2.22 2.11 2.08 2.75 2.04
Debt to NOPAT		 6.12 5.28 3.82 4.56 4.41 4.92 3.89 3.56 3.53 4.53 3.54
Net Debt to NOPAT		 3.66 1.78 -2.07 0.44 -0.80 0.65 -2.82 -0.34 -0.27 2.85 -1.19
Long-Term Debt to NOPAT		 5.21 4.20 2.91 3.81 3.63 3.90 3.13 2.98 2.94 3.85 2.89
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)		 -347 -202 -135 126 37 -81 -156 -73 -75 -184 -45
Operating Cash Flow to CapEx		 1,222.72% 1,376.82% 3,407.85% 231.68% 3,426.80% 2,516.15% 5,720.63% 257.59% 1,346.82% 0.00% 1,485.37%
Free Cash Flow to Firm to Interest Expense		 -16.50 -8.42 -4.00 4.33 1.21 -2.92 -5.76 -2.80 -2.86 -7.52 -1.92
Operating Cash Flow to Interest Expense		 1.02 0.93 2.11 0.10 1.70 0.85 3.43 0.32 1.27 1.36 3.13
Operating Cash Flow Less CapEx to Interest Expense		 0.93 0.86 2.05 0.06 1.65 0.82 3.37 0.20 1.17 1.37 2.92
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06
Fixed Asset Turnover		 10.64 11.07 10.92 11.02 11.31 11.71 12.21 11.66 11.64 12.23 11.04
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,439 1,390 1,290 1,398 1,429 1,490 1,494 1,502 1,534 1,697 1,581
Invested Capital Turnover		 0.28 0.28 0.30 0.26 0.26 0.27 0.29 0.28 0.28 0.26 0.26
Increase / (Decrease) in Invested Capital		 369 222 165 -101 -10 100 204 104 105 206 87
Enterprise Value (EV)		 1,151 1,193 772 1,064 1,172 1,415 911 1,376 1,376 1,722 1,232
Market Capitalization		 825 1,032 964 1,021 1,253 1,349 1,244 1,419 1,411 1,348 1,383
Book Value per Share		 $45.71 $47.10 $48.22 $49.22 $50.41 $51.02 $53.06 $54.30 $55.53 $56.42 $57.80
Tangible Book Value per Share		 $39.75 $45.01 $42.34 $47.13 $48.33 $48.93 $50.98 $52.22 $53.46 $54.35 $55.73
Total Capital		 1,439 1,390 1,290 1,398 1,429 1,490 1,494 1,502 1,534 1,697 1,581
Total Debt		 546 478 355 443 449 498 460 442 450 595 448
Total Long-Term Debt		 465 380 270 370 370 395 370 370 375 506 367
Net Debt		 326 161 -192 43 -81 66 -333 -43 -35 375 -151
Capital Expenditures (CapEx)		 1.75 1.62 2.09 1.29 1.50 0.94 1.63 3.28 2.47 -0.28 4.92
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)		 546 478 355 443 449 498 460 442 450 595 448
Total Depreciation and Amortization (D&A)		 3.66 4.00 4.77 4.20 4.01 4.39 5.42 4.32 4.61 4.25 5.68
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.12 $1.96 $3.03 $2.49 $2.62 $1.86 $4.64 $3.09 $2.92 $2.22 $4.16
Adjusted Weighted Average Basic Shares Outstanding		 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M 19.52M 19.53M 19.54M 19.61M 19.62M
Adjusted Diluted Earnings per Share		 $2.11 $1.95 $3.01 $2.48 $2.61 $1.85 $4.62 $3.08 $2.91 $2.22 $4.16
Adjusted Weighted Average Diluted Shares Outstanding		 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M 19.52M 19.53M 19.54M 19.61M 19.62M
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		 19.38M 19.40M 19.41M 19.43M 19.45M 19.49M 19.52M 19.53M 19.54M 19.61M 19.62M
Normalized Net Operating Profit after Tax (NOPAT)		 21 20 31 25 27 19 47 31 30 23 43
Normalized NOPAT Margin		 27.11% 23.70% 25.47% 29.01% 30.12% 21.24% 34.80% 33.55% 31.80% 24.21% 35.35%
Pre Tax Income Margin		 34.19% 28.24% 32.17% 36.95% 38.41% 25.75% 44.14% 43.04% 40.37% 29.27% 46.00%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.29 1.05 1.15 1.10 1.12 0.83 2.21 1.55 1.44 1.13 2.37
NOPAT to Interest Expense		 1.03 0.82 0.91 0.86 0.88 0.69 1.74 1.21 1.13 0.93 1.82
EBIT Less CapEx to Interest Expense		 1.20 0.98 1.09 1.06 1.07 0.80 2.15 1.43 1.34 1.14 2.16
NOPAT Less CapEx to Interest Expense		 0.94 0.75 0.85 0.82 0.83 0.65 1.68 1.08 1.04 0.95 1.61
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.18% 31.37% 31.04% 30.23% 29.28% 30.09% 26.42% 25.81% 25.85% 25.78% 27.44%
Augmented Payout Ratio		 49.70% 53.81% 31.04% 44.21% 33.37% 30.09% 26.42% 25.87% 25.91% 25.83% 27.51%

Financials Breakdown Chart

Key Financial Trends

Takeaways for Republic Bancorp (RBCAA) based on the latest four years of quarterly data

  • Total Revenue for Q4 2025 was $94.27M, up from $89.51M in Q4 2024.
  • Net Interest Income rose to $78.81M in Q4 2025, up from $66.78M in Q4 2024.
  • Basic and Diluted EPS reached $2.22 in Q4 2025, up from $1.86 in Q4 2024.
  • Total assets remained around $7.0B in 2025, with the Q3 2025 balance sheet showing about $7.015B.
  • Total Common Equity hovered near $1.084B in 2025, indicating a stable capitalization base.
  • Investment Securities Interest Income was negative in Q4 2025 (-$10.96M), reflecting market conditions affecting some income lines.
  • Total Non-Interest Expense rose to $56.60M in Q4 2025 from about $47.05M in Q4 2024, pressuring margins.
  • Net cash from continuing investing activities was a sizable outflow of $298.67M in Q4 2025, contributing to negative quarterly cash flow.
  • Net change in cash and cash equivalents was -$264.27M in Q4 2025, indicating a quarterly cash outflow.
05/15/26 12:08 AM ETAI Generated. May Contain Errors.

Republic Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Republic Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Republic Bancorp's net income appears to be on an upward trend, with a most recent value of $131.32 million in 2025, rising from $35.17 million in 2015. The previous period was $101.37 million in 2024. View Republic Bancorp's forecast to see where analysts expect Republic Bancorp to go next.

Over the last 10 years, Republic Bancorp's total revenue changed from $171.96 million in 2015 to $417.50 million in 2025, a change of 142.8%.

Republic Bancorp's total liabilities were at $5.94 billion at the end of 2025, a 1.5% increase from 2024, and a 62.6% increase since 2015.

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 $219.97 million as of their latest financial filing in 2025.

Over the last 10 years, Republic Bancorp's book value per share changed from 27.65 in 2015 to 56.42 in 2025, a change of 104.1%.


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Financial statements for NASDAQ:RBCAA last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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