Republic Bancorp Inc (RBCAA) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Republic Bancorp reported revenue of $417.5M, up 8.5% from $384.8M the year before. Net income was $131.3M (a 31.5% net margin), or $6.72 per diluted share. Net interest income was $334.7M, and the efficiency ratio (noninterest expense / revenue) was 52.7%. Operating activities generated $168.2M of cash, leaving $161.1M of free cash flow. At fiscal year end, Republic Bancorp held $7.04B in total assets against $5.94B in total liabilities, including $220.0M of cash and equivalents.
Open the full interactive Republic Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Republic Bancorp Key Stats
| Share Price | $91.16 |
|---|---|
| Market Cap | $1.81B |
| P/E Ratio | 13.6 |
| Dividend Yield | 1.97% |
| Revenue YoY Growth | +8.5% |
| 52-Week Range | $63.39 – $100.11 |
| Shares Outstanding | 17.7 million (basic, 2026 Q2) |
Republic Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $232.3M | $220.6M | $236.7M | $288.8M | $312.2M | $334.7M |
| Provision for Credit Losses | $31.3M | $14.8M | $22.3M | $47.6M | $54.4M | $31.6M |
| Noninterest Income | $87.1M | $86.9M | $89.8M | $71.5M | $72.7M | $82.8M |
| Noninterest Expense | $185.5M | $182.3M | $187.3M | $199.4M | $202.7M | $220.2M |
| Revenue | $319.4M | $307.5M | $326.5M | $360.2M | $384.8M | $417.5M |
| Pre-Tax Income | $102.6M | $110.3M | $116.8M | $113.2M | $127.7M | $165.7M |
| Income Tax | $19.4M | $23.6M | $25.7M | $22.8M | $26.3M | $34.4M |
| Net Income | $83.2M | $86.8M | $91.1M | $90.4M | $101.4M | $131.3M |
| Diluted EPS | $3.99 | $4.24 | $4.59 | $4.62 | $5.21 | $6.72 |
Republic Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $93.5M | $94.3M | $120.4M | $101.3M |
| Net Income | $29.7M | $22.8M | $42.6M | $32.9M |
| Diluted EPS | $1.52 | $1.15 | $2.18 | $1.68 |
Republic Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $485.6M | $757.0M | $313.7M | $316.6M | $432.2M | $220.0M |
| Loans (Net) | $4.75B | $4.43B | — | — | — | — |
| Total Assets | $6.17B | $6.09B | $5.84B | $6.59B | $6.85B | $7.04B |
| Total Long-Term Debt | $276.2M | $25.0M | $95.0M | $380.0M | $395.0M | $506.0M |
| Total Liabilities | $5.35B | $5.26B | $4.98B | $5.68B | $5.85B | $5.94B |
| Shareholders' Equity | $823.3M | $834.2M | $856.6M | $912.8M | $992.0M | $1.10B |
Republic Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $68.4M | $99.4M | $154.8M | $108.5M | $149.0M | $168.2M |
| Cash From Investing | -$415.0M | $306.6M | -$254.5M | -$517.0M | -$181.0M | -$436.1M |
| Cash From Financing | $446.9M | -$134.6M | -$343.6M | $411.3M | $147.6M | $55.7M |
| Free Cash Flow | $64.9M | $93.6M | $151.3M | $101.6M | $143.2M | $161.1M |
| Dividends Paid | $23.2M | $24.7M | $26.1M | $28.4M | $30.5M | $33.9M |
Figures from Republic Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Republic Bancorp financials page for every line item.
Republic Bancorp Company Profile
| Ticker | RBCAA |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Louisville, Kentucky |
| Incorporated in | Kentucky |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000921557 |
Frequently Asked Questions
What was Republic Bancorp's revenue in fiscal 2025?
Republic Bancorp (RBCAA) reported revenue of $417.5M for fiscal 2025.
What is Republic Bancorp's annual revenue history?
Republic Bancorp's annual revenue by fiscal year: 2020: $319.4M; 2021: $307.5M; 2022: $326.5M; 2023: $360.2M; 2024: $384.8M; 2025: $417.5M.
What was Republic Bancorp's net income in fiscal 2025?
Republic Bancorp reported net income of $131.3M for fiscal 2025.
What was Republic Bancorp's earnings per share (EPS) in fiscal 2025?
Republic Bancorp's diluted EPS was $6.72 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Republic Bancorp generate in fiscal 2025?
Republic Bancorp generated $161.1M of free cash flow in fiscal 2025.
What was Republic Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Republic Bancorp reported revenue of $101.3M.
How much debt does Republic Bancorp have?
Republic Bancorp reported $506.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Republic Bancorp are outstanding?
Republic Bancorp reported a weighted average of 17.7 million basic shares outstanding in 2026 Q2.
What is Republic Bancorp's market cap?
Based on its latest closing price, Republic Bancorp (RBCAA) has a market capitalization of about $1.81B.
When does Republic Bancorp's fiscal year end?
Republic Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Republic Bancorp headquartered?
Republic Bancorp lists its business address in Louisville, Kentucky in its SEC filings.