Republic Bancorp Inc Ky Financials

RBCAA

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Republic Bancorp Inc Ky (RBCAA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI RBCAA FY2025 2026-04-22

Republic Bancorp's earnings engine in FY2025 came from better balance-sheet productivity, not simple asset growth or heavier leverage.

Over the last year, ROA rose to 1.9% while debt-to-equity moved lower and equity kept building, which matters more here than revenue growth because assets are the real working base of the business. That pairing says FY2025's stronger returns came from using the balance sheet more efficiently, not from leaning harder on borrowing.

Cash conversion was sturdy, with operating cash flow of $168M against net income of $131M. For a company carrying $7.0B in assets, capex of only $7.1M shows that maintaining the franchise does not absorb much cash year to year; most reinvestment is financial, not physical.

Cash on hand fell to $220M even though free cash flow stayed high at $161M. That gap points to active capital deployment rather than weak earnings quality: investing uses consumed cash, while retained earnings kept expanding equity and helped bring leverage down from the prior year instead of forcing new balance-sheet stretch.

Financial Health Signals

Financial Profile 30/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Republic Bancorp Inc Ky's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Republic Bancorp Inc Ky's revenue grew 8.5% year-over-year to $417.5M, a solid pace of expansion. This earns a growth score of 46/100.

Leverage

Republic Bancorp Inc Ky has elevated debt relative to equity (D/E of 5.39), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Republic Bancorp Inc Ky converts 38.6% of revenue into free cash flow ($161.1M). This strong cash generation earns a score of 100/100.

Returns

Republic Bancorp Inc Ky's ROE of 11.9% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 10.2% the prior year.

Piotroski F-Score Neutral

5/9

Republic Bancorp Inc Ky passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.28x

For every $1 of reported earnings, Republic Bancorp Inc Ky generates $1.28 in operating cash flow ($168.2M OCF vs $131.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$417.5M

YoY+8.5%

5Y CAGR+5.5%

10Y CAGR+11.4%

Republic Bancorp Inc Ky generated $417.5M in revenue in fiscal year 2025. This represents an increase of 8.5% from the prior year.

EBITDA

N/A

Net Income

$131.3M

YoY+29.5%

5Y CAGR+9.5%

10Y CAGR+14.1%

Republic Bancorp Inc Ky reported $131.3M in net income in fiscal year 2025. This represents an increase of 29.5% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

$161.1M

YoY+12.5%

5Y CAGR+17.5%

10Y CAGR+13.7%

Republic Bancorp Inc Ky generated $161.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 12.5% from the prior year.

Cash & Debt

$220.0M

YoY-49.1%

5Y CAGR-14.6%

10Y CAGR+0.5%

Republic Bancorp Inc Ky held $220.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

31.4%

YoY+5.1pp

5Y CAGR+5.4pp

10Y CAGR+6.8pp

Republic Bancorp Inc Ky's net profit margin was 31.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.1 percentage points from the prior year.

Return on Equity

11.9%

YoY+1.7pp

5Y CAGR+1.8pp

10Y CAGR+5.8pp

Republic Bancorp Inc Ky's ROE was 11.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$72K

5Y CAGR-55.1%

10Y CAGR-18.4%

Republic Bancorp Inc Ky spent $72K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$7.1M

YoY+22.3%

5Y CAGR+14.7%

10Y CAGR+2.9%

Republic Bancorp Inc Ky invested $7.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 22.3% from the prior year.

RBCAA Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$417.5M+8.5%	$384.8M+6.8%	$360.2M+10.3%	$326.5M+5.6%	$309.3M-3.1%	$319.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$127.1M+7.1%	$118.7M+2.4%	$115.9M+4.2%	$111.2M+1.0%	$110.1M+3.7%	$106.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$103.8M-14.1%	$120.8M+79.6%	$67.3M+798.0%	$7.5M+32.2%	$5.7M-71.6%	$19.9M
Income Tax	$34.4M+30.6%	$26.3M+15.3%	$22.8M-11.3%	$25.7M+8.0%	$23.8M+22.9%	$19.4M
Net Income	$131.3M+29.5%	$101.4M+12.2%	$90.4M-0.8%	$91.1M+4.0%	$87.6M+5.2%	$83.2M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$94.3M+0.8%	$93.5M-0.3%	$93.8M-30.9%	$135.8M+51.8%	$89.5M+1.6%	$88.1M+1.4%	$86.9M-27.8%	$120.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$34.2M+10.1%	$31.0M+0.7%	$30.8M-0.9%	$31.1M+0.2%	$31.0M+7.7%	$28.8M-1.2%	$29.1M-1.9%	$29.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$24.4M-7.0%	$26.3M+1.0%	$26.0M-4.2%	$27.1M-2.0%	$27.7M-8.4%	$30.2M+3.7%	$29.2M-13.5%	$33.7M
Income Tax	$4.8M-40.5%	$8.0M-10.0%	$8.9M-29.8%	$12.7M+214.7%	$4.0M-44.8%	$7.3M+5.9%	$6.9M-14.8%	$8.1M
Net Income	$22.8M-23.3%	$29.7M-5.5%	$31.5M-33.4%	$47.3M+148.6%	$19.0M-28.4%	$26.5M+5.3%	$25.2M-17.6%	$30.6M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

RBCAA Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$7.0B+2.9%	$6.8B+3.8%	$6.6B+13.0%	$5.8B-5.4%	$6.2B0.0%	$6.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$220.0M-49.1%	$432.2M+36.5%	$316.6M+0.9%	$313.7M-58.6%	$757.0M+55.9%	$485.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$40.5M0.0%	$40.5M0.0%	$40.5M+148.6%	$16.3M0.0%	$16.3M0.0%	$16.3M
Total Liabilities	$5.9B+1.5%	$5.9B+3.0%	$5.7B+14.1%	$5.0B-5.3%	$5.3B-1.6%	$5.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.1B+11.1%	$992.0M+8.7%	$912.8M+6.6%	$856.6M+2.6%	$835.1M+1.4%	$823.3M
Retained Earnings	$945.4M+10.8%	$853.6M+8.5%	$786.5M+6.0%	$742.3M+7.8%	$688.5M+3.3%	$666.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$7.0B+0.4%	$7.0B+0.6%	$7.0B-1.5%	$7.1B+3.3%	$6.8B+2.3%	$6.7B+1.1%	$6.6B-3.8%	$6.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$220.0M-54.6%	$484.2M-0.1%	$484.8M-38.9%	$793.0M+83.5%	$432.2M-18.6%	$530.9M+32.7%	$400.1M-26.8%	$546.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$40.5M0.0%	$40.5M0.0%	$40.5M0.0%	$40.5M0.0%	$40.5M0.0%	$40.5M0.0%	$40.5M0.0%	$40.5M
Total Liabilities	$5.9B+0.2%	$5.9B+0.3%	$5.9B-2.2%	$6.0B+3.2%	$5.9B+2.5%	$5.7B+0.9%	$5.7B-4.7%	$5.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.1B+1.6%	$1.1B+2.3%	$1.1B+2.5%	$1.0B+4.2%	$992.0M+1.3%	$979.7M+2.5%	$955.4M+2.1%	$935.6M
Retained Earnings	$945.4M+1.4%	$932.0M+2.3%	$911.3M+2.4%	$889.7M+4.2%	$853.6M+1.3%	$842.5M+2.1%	$825.5M+2.1%	$808.8M

RBCAA Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$168.2M+12.9%	$149.0M+37.3%	$108.5M-29.9%	$154.8M+54.4%	$100.3M+32.9%	$75.4M
Capital Expenditures	$7.1M+22.3%	$5.8M-15.8%	$6.9M+96.9%	$3.5M-39.4%	$5.8M+61.5%	$3.6M
Free Cash Flow	$161.1M+12.5%	$143.2M+40.9%	$101.6M-32.8%	$151.3M+60.1%	$94.5M+31.5%	$71.8M
Investing Cash Flow	-$436.1M-140.9%	-$181.0M+65.0%	-$517.0M-103.1%	-$254.5M-183.0%	$306.6M+172.6%	-$422.0M
Financing Cash Flow	$55.7M-62.2%	$147.6M-64.1%	$411.3M+219.7%	-$343.6M-153.7%	-$135.4M-130.3%	$446.9M
Dividends Paid	$33.9M+11.0%	$30.5M+7.6%	$28.4M+8.4%	$26.1M+5.9%	$24.7M+6.4%	$23.2M
Share Buybacks	$72K	N/A	$20.3M+61.2%	$12.6M-73.5%	$47.5M+1107.8%	$3.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$33.3M0.0%	$33.3M+293.9%	$8.4M-90.9%	$93.2M+313.6%	$22.5M-56.1%	$51.3M+1187.7%	$4.0M-94.4%	$71.2M
Capital Expenditures	-$276K-111.2%	$2.5M-24.7%	$3.3M+101.4%	$1.6M+74.2%	$935K-37.5%	$1.5M+16.1%	$1.3M-38.4%	$2.1M
Free Cash Flow	$33.0M+7.2%	$30.8M+496.0%	$5.2M-94.4%	$91.6M+324.0%	$21.6M-56.6%	$49.8M+1748.1%	$2.7M-96.1%	$69.1M
Investing Cash Flow	-$298.7M-454.3%	-$53.9M+73.3%	-$201.8M-270.7%	$118.2M+143.5%	-$271.5M-670.6%	$47.6M-60.6%	$120.6M+255.1%	-$77.7M
Financing Cash Flow	$1.1M-94.5%	$20.0M+117.4%	-$114.9M-176.9%	$149.5M-0.5%	$150.2M+370.0%	$32.0M+111.8%	-$270.9M-214.6%	$236.3M
Dividends Paid	$8.7M+0.1%	$8.7M0.0%	$8.7M+11.2%	$7.8M0.0%	$7.8M+0.1%	$7.8M+0.1%	$7.8M+9.1%	$7.1M
Share Buybacks	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A

RBCAA Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	31.4%+5.1pp	26.3%+1.3pp	25.1%-2.8pp	27.9%-0.4pp	28.3%+2.3pp	26.1%
Return on Equity	11.9%+1.7pp	10.2%+0.3pp	9.9%-0.7pp	10.6%+0.2pp	10.5%+0.4pp	10.1%
Return on Assets	1.9%+0.4pp	1.5%+0.1pp	1.4%-0.2pp	1.6%+0.1pp	1.4%+0.1pp	1.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.39-0.5	5.90-0.3	6.23+0.4	5.81-0.5	6.30-0.2	6.49
FCF Margin	38.6%+1.4pp	37.2%+9.0pp	28.2%-18.1pp	46.3%+15.8pp	30.5%+8.0pp	22.5%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	24.2%-7.6pp	31.8%-1.8pp	33.6%-1.2pp	34.8%+13.6pp	21.2%-8.9pp	30.1%+1.1pp	29.0%+3.6pp	25.4%
Return on Equity	2.1%-0.7pp	2.7%-0.2pp	3.0%-1.6pp	4.6%+2.6pp	1.9%-0.8pp	2.7%+0.1pp	2.6%-0.6pp	3.3%
Return on Assets	0.3%-0.1pp	0.4%-0.0pp	0.4%-0.2pp	0.7%+0.4pp	0.3%-0.1pp	0.4%+0.0pp	0.4%-0.1pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.39-0.1	5.47-0.1	5.58-0.3	5.84-0.1	5.90+0.1	5.83-0.1	5.93-0.4	6.35
FCF Margin	35.0%+2.1pp	32.9%+27.4pp	5.5%-61.9pp	67.4%+43.3pp	24.1%-32.4pp	56.5%+53.4pp	3.1%-54.4pp	57.5%

Similar Companies

S & T Bancorp Inc STBA

$1.6B

Trico Bancshares TCBK

$1.6B

National Bk Hldgs Corp NBHC

$1.9B

Stellar Bancorp Inc STEL

$1.9B

1St Source SRCE

$1.8B

Frequently Asked Questions

What is Republic Bancorp Inc Ky's annual revenue?

Republic Bancorp Inc Ky (RBCAA) reported $417.5M in total revenue for fiscal year 2025. This represents a 8.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Republic Bancorp Inc Ky's revenue growing?

Republic Bancorp Inc Ky (RBCAA) revenue grew by 8.5% year-over-year, from $384.8M to $417.5M in fiscal year 2025.

Is Republic Bancorp Inc Ky profitable?

Yes, Republic Bancorp Inc Ky (RBCAA) reported a net income of $131.3M in fiscal year 2025, with a net profit margin of 31.4%.

What is Republic Bancorp Inc Ky's net profit margin?

Republic Bancorp Inc Ky (RBCAA) had a net profit margin of 31.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Republic Bancorp Inc Ky's return on equity (ROE)?

Republic Bancorp Inc Ky (RBCAA) has a return on equity of 11.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Republic Bancorp Inc Ky's free cash flow?

Republic Bancorp Inc Ky (RBCAA) generated $161.1M in free cash flow during fiscal year 2025. This represents a 12.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Republic Bancorp Inc Ky's operating cash flow?

Republic Bancorp Inc Ky (RBCAA) generated $168.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Republic Bancorp Inc Ky's total assets?

Republic Bancorp Inc Ky (RBCAA) had $7.0B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Republic Bancorp Inc Ky's capital expenditures?

Republic Bancorp Inc Ky (RBCAA) invested $7.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Republic Bancorp Inc Ky buy back shares?

Yes, Republic Bancorp Inc Ky (RBCAA) spent $72K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Republic Bancorp Inc Ky's debt-to-equity ratio?

Republic Bancorp Inc Ky (RBCAA) had a debt-to-equity ratio of 5.39 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Republic Bancorp Inc Ky's return on assets (ROA)?

Republic Bancorp Inc Ky (RBCAA) had a return on assets of 1.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Republic Bancorp Inc Ky's Piotroski F-Score?

Republic Bancorp Inc Ky (RBCAA) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Republic Bancorp Inc Ky's earnings high quality?

Republic Bancorp Inc Ky (RBCAA) has an earnings quality ratio of 1.28x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Republic Bancorp Inc Ky?

Republic Bancorp Inc Ky (RBCAA) scores 30 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.