RBCAA
Republic Bancorp, Inc.
Price Chart
Latest Quote
$84.76
+0.07 (+0.08%)
Current Price
| Previous Close | $84.69 |
| Open | $85.49 |
| Day High | $85.87 |
| Day Low | $84.55 |
| Volume | 238,398 |
Stock Information
| Quarterly Dividend / Yield | $1.98 / 2.33% |
| Shares Outstanding | 17.48M |
| Quarterly Dividend Yield | 2.33% |
| Quarterly Dividend | $1.98 |
| Total Debt | $486.30M |
| Cash Equivalents | $603.98M |
| Revenue | $372.51M |
| Net Income | $126.62M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $1.66B |
| P/E Ratio | 13.08 |
| EPS (TTM) | $6.48 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.55B |
| Sales | $372.51M |
| Income | $126.62M |
| Book/sh | $57.78 |
| Cash/sh | $34.55 |
| Employees | 966 |
Financial Ratios
| EPS Growth TTM | -9.90% |
Returns & Margins
| ROA | 1.77% |
| ROE | 11.68% |
| Operating Margin | 53.65% |
| Profit Margin | 33.99% |
Ownership
| Insider Ownership | 51.55% |
| Institutional Ownership | 30.36% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 12.80 |
| PEG | 1.27 |
| P/S | 4.46 |
| P/B | 1.47 |
Analyst Data
| Recommendation | none |
| Target Price | $80.00 |
Technical Indicators
| SMA20 | $82.82 |
| SMA50 | $78.20 |
| SMA200 | $71.71 |
| RSI | 62.37 |
| ATR | 2.4318 |
| Shares Float | 8.91M |
| Short Float | 2.35% |
| Short Ratio | 2.81 |
| Volatility | 0.60 |
| Rel Volume | 2.71 |
Performance History
| Week | -1.87% |
| Month | +9.94% |
| Quarter | +25.65% |
| 6 Months | +17.03% |
| YTD | +26.28% |
| Year | +27.64% |
| 3 Years | +98.08% |
| 5 Years | +107.28% |
| 10 Years | +306.57% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $84.76 | 268,400 |
| 2026-06-17 | $84.20 | 174,600 |
| 2026-06-16 | $84.86 | 143,100 |
| 2026-06-15 | $84.71 | 93,000 |
| 2026-06-12 | $87.15 | 73,200 |
| 2026-06-11 | $86.37 | 94,400 |
| 2026-06-10 | $87.22 | 75,800 |
| 2026-06-09 | $85.67 | 70,500 |
| 2026-06-08 | $84.37 | 98,800 |
| 2026-06-05 | $84.01 | 58,800 |
| 2026-06-04 | $83.69 | 92,200 |
| 2026-06-03 | $80.49 | 111,200 |
| 2026-06-02 | $81.88 | 97,700 |
| 2026-06-01 | $79.30 | 91,500 |
| 2026-05-29 | $80.48 | 100,700 |
| 2026-05-28 | $79.87 | 75,800 |
| 2026-05-27 | $79.38 | 82,600 |
| 2026-05-26 | $80.02 | 64,400 |
| 2026-05-22 | $78.95 | 64,900 |
| 2026-05-21 | $79.09 | 52,300 |
| 2026-05-20 | $77.97 | 57,700 |
| 2026-05-19 | $77.10 | 70,700 |
About Republic Bancorp, Inc.
Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial, CRE and multi-family, construction and land development, consumer, and aircraft loans; service charges on consumer and commercial deposit accounts, mortgage banking income, debit and credit card interchange fee income, title insurance commissions, and swap fee incomes; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, and automated clearing house processing services; internet banking services and products through its website; mobile banking; and other banking services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; prepaid and debit solutions, such as issuing of payroll, general purpose reloadable cards, issuing of demand deposit accounts, savings accounts and/or debit cards; and consumer credit products; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.
đ° Latest News
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $411,122,000 | $378,959,000 | $354,270,000 | $308,728,000 |
| Operating Revenue | $411,122,000 | $378,959,000 | $354,270,000 | $308,728,000 |
| Expenses | ||||
| Interest Expense | $103,843,000 | $120,832,000 | $67,285,000 | $7,493,000 |
| Selling And Marketing Expense | $7,720,000 | $9,439,000 | $8,446,000 | $6,875,000 |
| General And Administrative Expense | $130,124,000 | $121,662,000 | $118,597,000 | $112,908,000 |
| Professional Expense And Contract Services Expense | $9,922,000 | $3,489,000 | $3,204,000 | $4,024,000 |
| Other Non Interest Expense | $17,257,000 | $17,703,000 | $17,952,000 | $16,760,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $131,317,000 | $101,371,000 | $90,374,000 | $91,106,000 |
| Net Interest Income | $334,670,000 | $312,154,000 | $288,778,000 | $236,691,000 |
| Interest Income | $438,513,000 | $432,986,000 | $356,063,000 | $244,184,000 |
| Normalized Income | $131,484,218 | $101,567,069 | $92,266,687 | $81,134,417 |
| Net Income From Continuing And Discontinued Operation | $131,317,000 | $101,371,000 | $90,374,000 | $91,106,000 |
| Net Income Common Stockholders | $131,317,000 | $101,371,000 | $90,374,000 | $91,106,000 |
| Net Income | $131,317,000 | $101,371,000 | $90,374,000 | $91,106,000 |
| Net Income Including Noncontrolling Interests | $131,317,000 | $101,371,000 | $90,374,000 | $91,106,000 |
| Net Income Continuous Operations | $131,317,000 | $101,371,000 | $90,374,000 | $91,106,000 |
| Pretax Income | $165,709,000 | $127,703,000 | $113,213,000 | $116,845,000 |
| Special Income Charges | $0 | $-41,000 | $-2,160,000 | $13,000,000 |
| Per Share | ||||
| Diluted EPS | $6.72 | $5.21 | $4.62 | $4.59 |
| Basic EPS | $6.74 | $5.24 | $4.64 | $4.60 |
| Other | ||||
| Tax Effect Of Unusual Items | $-43,782 | $-50,931 | $-478,313 | $2,817,417 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-211,000 | $-247,000 | $-2,371,000 | $12,789,000 |
| Total Unusual Items Excluding Goodwill | $-211,000 | $-247,000 | $-2,371,000 | $12,789,000 |
| Reconciled Depreciation | $14,680,000 | $14,627,000 | $15,006,000 | $18,052,000 |
| Diluted Average Shares | $19,809,000 | $19,736,000 | $19,853,000 | $20,101,000 |
| Basic Average Shares | $19,744,000 | $19,650,000 | $19,792,000 | $20,037,000 |
| Diluted NI Availto Com Stockholders | $131,317,000 | $101,371,000 | $90,374,000 | $91,106,000 |
| Tax Provision | $34,392,000 | $26,332,000 | $22,839,000 | $25,739,000 |
| Restructuring And Mergern Acquisition | $0 | $41,000 | $2,160,000 | $0 |
| Gain On Sale Of Security | $4,090,000 | $0 | $0 | - |
| Selling General And Administration | $137,844,000 | $131,101,000 | $127,043,000 | $119,783,000 |
| Insurance And Claims | $3,064,000 | $3,012,000 | $2,728,000 | $1,668,000 |
| Salaries And Wages | $127,060,000 | $118,650,000 | $115,869,000 | $111,240,000 |
| Occupancy And Equipment | $48,793,000 | $44,546,000 | $43,074,000 | $41,968,000 |
| Other Special Charges | - | - | - | $-13,000,000 |
| Gain On Sale Of Business | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,061,777,000 | $951,513,000 | $872,240,000 | $840,313,000 |
| Total Assets | $7,042,061,000 | $6,846,667,000 | $6,594,891,000 | $5,835,543,000 |
| Goodwill And Other Intangible Assets | $40,516,000 | $40,516,000 | $40,516,000 | $16,300,000 |
| Receivables | $19,805,000 | $92,187,000 | $87,530,000 | $10,395,000 |
| Other Receivables | $19,805,000 | $92,187,000 | $87,530,000 | $10,395,000 |
| Cash And Cash Equivalents | $219,972,000 | $432,151,000 | $316,567,000 | $313,689,000 |
| Cash Cash Equivalents And Federal Funds Sold | $219,972,000 | $432,151,000 | $316,567,000 | $313,689,000 |
| Debt | ||||
| Net Debt | $286,028,000 | - | $63,433,000 | - |
| Total Debt | $538,370,000 | $432,121,000 | $415,539,000 | $132,809,000 |
| Long Term Debt And Capital Lease Obligation | $538,370,000 | $432,121,000 | $415,539,000 | $132,809,000 |
| Long Term Debt | $506,000,000 | $395,000,000 | $380,000,000 | $95,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $5,939,768,000 | $5,854,638,000 | $5,682,135,000 | $4,978,930,000 |
| Equity | ||||
| Common Stock Equity | $1,102,293,000 | $992,029,000 | $912,756,000 | $856,613,000 |
| Total Equity Gross Minority Interest | $1,102,293,000 | $992,029,000 | $912,756,000 | $856,613,000 |
| Stockholders Equity | $1,102,293,000 | $992,029,000 | $912,756,000 | $856,613,000 |
| Gains Losses Not Affecting Retained Earnings | $-4,402,000 | $-14,238,000 | $-20,408,000 | $-31,979,000 |
| Other Equity Adjustments | $-4,402,000 | $-14,238,000 | $-20,408,000 | $-31,979,000 |
| Retained Earnings | $945,399,000 | $853,627,000 | $786,487,000 | $742,250,000 |
| Other | ||||
| Ordinary Shares Number | $19,541,364 | $19,447,968 | $19,357,917 | $19,744,423 |
| Share Issued | $19,541,364 | $19,447,968 | $19,357,917 | $19,744,423 |
| Tangible Book Value | $1,061,777,000 | $951,513,000 | $872,240,000 | $840,313,000 |
| Invested Capital | $1,608,293,000 | $1,387,029,000 | $1,292,756,000 | $951,613,000 |
| Capital Lease Obligations | $32,370,000 | $37,121,000 | $35,539,000 | $37,809,000 |
| Total Capitalization | $1,608,293,000 | $1,387,029,000 | $1,292,756,000 | $951,613,000 |
| Additional Paid In Capital | $156,695,000 | $148,053,000 | $142,124,000 | $141,694,000 |
| Capital Stock | $4,601,000 | $4,587,000 | $4,553,000 | $4,648,000 |
| Common Stock | $4,601,000 | $4,587,000 | $4,553,000 | $4,648,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $32,370,000 | $37,121,000 | $35,539,000 | $37,809,000 |
| Investments And Advances | $890,582,000 | $595,626,000 | $667,874,000 | $783,186,000 |
| Held To Maturity Securities | $4,944,000 | $10,778,000 | $76,387,000 | $87,386,000 |
| Available For Sale Securities | $214,438,000 | $693,000 | $174,000 | $75,435,000 |
| Goodwill | $40,516,000 | $40,516,000 | $40,516,000 | $16,300,000 |
| Net PPE | $67,316,000 | $68,491,000 | $68,102,000 | $68,995,000 |
| Accumulated Depreciation | $-92,454,000 | $-87,339,000 | $-84,723,000 | $-78,574,000 |
| Gross PPE | $159,770,000 | $155,830,000 | $152,825,000 | $147,569,000 |
| Leases | $27,768,000 | $25,824,000 | $24,893,000 | $21,755,000 |
| Construction In Progress | $1,099,000 | $81,000 | $34,000 | $547,000 |
| Other Properties | $31,330,000 | $36,182,000 | $34,691,000 | $37,017,000 |
| Machinery Furniture Equipment | $62,703,000 | $55,943,000 | $55,023,000 | $51,652,000 |
| Buildings And Improvements | $32,292,000 | $33,222,000 | $33,606,000 | $32,780,000 |
| Land And Improvements | $4,578,000 | $4,578,000 | $4,578,000 | $3,818,000 |
| Other Short Term Investments | $671,200,000 | $584,155,000 | $591,313,000 | $620,365,000 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-06-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $161,108,000 | $143,190,000 | $101,635,000 | $151,286,000 |
| Operating Activities | ||||
| Operating Cash Flow | $168,212,000 | $148,999,000 | $108,531,000 | $154,789,000 |
| Cash Flow From Continuing Operating Activities | $168,212,000 | $148,999,000 | $108,531,000 | $154,789,000 |
| Operating Gains Losses | $-25,001,000 | $-18,572,000 | $-14,806,000 | $-18,219,000 |
| Investing Activities | ||||
| Capital Expenditure | $-7,104,000 | $-5,809,000 | $-6,896,000 | $-3,503,000 |
| Investing Cash Flow | $-436,122,000 | $-181,026,000 | $-516,951,000 | $-254,509,000 |
| Cash Flow From Continuing Investing Activities | $-436,122,000 | $-181,026,000 | $-516,951,000 | $-254,509,000 |
| Net Other Investing Changes | $-31,457,000 | $-15,527,000 | $-2,261,000 | $-7,724,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-72,000 | $0 | $-20,279,000 | $-12,577,000 |
| Financing Cash Flow | $55,731,000 | $147,611,000 | $411,298,000 | $-343,562,000 |
| Cash Flow From Continuing Financing Activities | $55,731,000 | $147,611,000 | $411,298,000 | $-343,562,000 |
| Cash Dividends Paid | $-33,852,000 | $-30,506,000 | $-28,350,000 | $-26,145,000 |
| Common Stock Dividend Paid | $-33,852,000 | $-30,506,000 | $-28,350,000 | $-26,145,000 |
| Net Common Stock Issuance | $-72,000 | $0 | $-20,279,000 | $-12,577,000 |
| Other | ||||
| Repayment Of Debt | $-528,000,000 | $-815,000,000 | $-733,000,000 | $-25,000,000 |
| Interest Paid Supplemental Data | $105,708,000 | $119,752,000 | $63,451,000 | $7,413,000 |
| Income Tax Paid Supplemental Data | $22,074,000 | $27,488,000 | $21,487,000 | $21,637,000 |
| End Cash Position | $219,972,000 | $432,151,000 | $316,567,000 | $313,689,000 |
| Beginning Cash Position | $432,151,000 | $316,567,000 | $313,689,000 | $756,971,000 |
| Changes In Cash | $-212,179,000 | $115,584,000 | $2,878,000 | $-443,282,000 |
| Proceeds From Stock Option Exercised | $868,000 | $34,000 | $625,000 | $642,000 |
| Common Stock Payments | $-72,000 | $0 | $-20,279,000 | $-12,577,000 |
| Net Issuance Payments Of Debt | $111,000,000 | $15,000,000 | $285,000,000 | $70,000,000 |
| Net Long Term Debt Issuance | $111,000,000 | $15,000,000 | $285,000,000 | $70,000,000 |
| Long Term Debt Payments | $-528,000,000 | $-815,000,000 | $-733,000,000 | $-25,000,000 |
| Long Term Debt Issuance | $639,000,000 | $830,000,000 | $1,018,000,000 | $95,000,000 |
| Net Investment Purchase And Sale | $-275,347,000 | $81,929,000 | $72,122,000 | $-211,314,000 |
| Sale Of Investment | $564,973,000 | $381,739,000 | $142,122,000 | $193,506,000 |
| Purchase Of Investment | $-840,320,000 | $-299,810,000 | $-70,000,000 | $-404,820,000 |
| Net Investment Properties Purchase And Sale | $0 | $173,000 | $0 | $0 |
| Sale Of Investment Properties | $0 | $173,000 | $0 | $0 |
| Net Business Purchase And Sale | $0 | $0 | $-40,970,000 | $0 |
| Purchase Of Business | $0 | $0 | $-40,970,000 | $0 |
| Net PPE Purchase And Sale | $-7,104,000 | $-5,809,000 | $-6,896,000 | $-3,503,000 |
| Purchase Of PPE | $-7,104,000 | $-5,809,000 | $-6,896,000 | $-3,503,000 |
| Change In Working Capital | $876,000 | $-12,939,000 | $-30,292,000 | $-3,559,000 |
| Change In Other Current Liabilities | $15,433,000 | $614,000 | $-4,488,000 | $3,919,000 |
| Change In Other Current Assets | $-10,529,000 | $-12,952,000 | $-24,763,000 | $-3,863,000 |
| Change In Payables And Accrued Expense | $-1,865,000 | $1,080,000 | $3,834,000 | $80,000 |
| Change In Payable | $-1,865,000 | $1,080,000 | $3,834,000 | $80,000 |
| Change In Account Payable | $-1,865,000 | $1,080,000 | $3,834,000 | $80,000 |
| Change In Receivables | $-2,163,000 | $-1,681,000 | $-4,875,000 | $-3,695,000 |
| Changes In Account Receivables | $-2,163,000 | $-1,681,000 | $-4,875,000 | $-3,695,000 |
| Other Non Cash Items | $3,446,000 | $1,757,000 | $-7,298,000 | $36,610,000 |
| Stock Based Compensation | $3,111,000 | $2,821,000 | $2,738,000 | $2,981,000 |
| Unrealized Gain Loss On Investment Securities | $-252,000 | $-519,000 | $-63,000 | $263,000 |
| Asset Impairment Charge | $211,000 | $210,000 | $211,000 | $211,000 |
| Amortization Of Securities | $8,267,000 | $5,717,000 | $4,947,000 | $4,798,000 |
| Depreciation Amortization Depletion | $14,680,000 | $14,627,000 | $15,006,000 | $18,052,000 |
| Depreciation And Amortization | $14,680,000 | $14,627,000 | $15,006,000 | $18,052,000 |
| Amortization Cash Flow | $1,831,000 | $1,727,000 | $1,881,000 | $2,264,000 |
| Amortization Of Intangibles | $1,831,000 | $1,727,000 | $1,881,000 | $2,264,000 |
| Depreciation | $12,849,000 | $12,900,000 | $13,125,000 | $15,788,000 |
| Gain Loss On Investment Securities | $-4,090,000 | $0 | $0 | - |
| Net Income From Continuing Operations | $131,317,000 | $101,371,000 | $90,374,000 | $91,106,000 |
| Sale Of PPE | - | - | $0 | $0 |
| Gain Loss On Sale Of PPE | - | - | $0 | $0 |
| Sale Of Business | - | - | - | - |
| Gain Loss On Sale Of Business | - | - | - | - |
Fetched: 2026-06-16