RBCAA · Republic Bancorp Inc /Ky/
$93.98
+0.58 (+0.62%)
At close · Aug 20
Market Cap
$1.84B
Shares
19.63M
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$417.5M
+8.5%
FY2025
Net Income
$131.32M
+29.5%
FY2025
Operating Cash Flow
$168.21M
+12.9%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $409.49M | $417.5M | $384.8M | $360.24M | $326.5M | $309.32M | $319.37M | $311.13M | $289.48M | — | — | — | — | — | — | — | — | — | |
| $422.79M | $438.51M | $432.99M | $356.06M | $244.18M | $228.41M | $252.26M | $280.88M | $256.18M | $218.78M | $173.99M | $142.43M | $132.38M | $134.57M | $183.46M | $195.12M | $193.47M | $212.61M | |
| $327.93M | $334.67M | $312.15M | $288.78M | $236.69M | $222.74M | $232.32M | $236.13M | $226.06M | $198.52M | $156.05M | $123.97M | $112.77M | $113.18M | $160.66M | $164.86M | $156.81M | $163.86M | |
| $81.56M | $82.83M | $72.65M | $71.46M | $89.81M | $86.58M | $87.05M | $75.01M | $63.43M | $58.41M | $57.51M | $47.99M | $42.52M | $46.23M | $163.47M | $119.62M | $87.66M | $57.62M | |
| — | — | — | $405K | — | $189K | — | — | — | — | — | — | — | $510K | $171K | $59K | — | — | |
| — | $6.68M | $6.91M | $7.06M | $7.6M | $8.99M | $9.73M | $9.23M | $9.35M | $8.47M | $7.3M | $6.61M | $6.36M | $5.31M | $5.37M | $4.41M | $10.68M | $10.54M | |
| — | $211K | $210K | $211K | $211K | $211K | $105K | — | — | $155K | $270K | $1.26M | $3.1M | $1.82M | $1.72M | $917K | $1.13M | $2.01M | |
| $93.28M | — | — | $67.29M | $7.49M | $5.67M | $19.94M | $44.76M | $30.12M | $20.26M | $17.94M | $18.46M | $19.6M | $21.39M | $22.8M | $30.26M | $36.66M | $48.74M | |
| $5.98M | $5.93M | $3.88M | $2.05M | $4.94M | $19.66M | $33.18M | $8.82M | $3.84M | $3.98M | $6.66M | $3.92M | $2.44M | $6.98M | $9.7M | $4.09M | — | — | |
| $163.29M | $165.71M | $127.7M | $113.21M | $116.85M | $111.44M | $102.63M | $113.19M | $94.26M | $78.39M | $68.96M | $53.24M | $44.32M | $40.5M | $183.95M | $144.2M | $98.43M | $66.02M | |
| $35.29M | $34.39M | $26.33M | $22.84M | $25.74M | $23.83M | $19.39M | $21.49M | $16.41M | $32.75M | $23.06M | $18.08M | $15.53M | $15.08M | $64.61M | $50.05M | $33.68M | $23.89M | |
| $128M | $131.32M | $101.37M | $90.37M | $91.11M | $87.61M | $83.25M | $91.7M | $77.85M | $45.63M | $45.9M | $35.17M | $28.79M | $25.42M | $119.34M | $94.15M | $64.75M | $42.13M | |
| — | 31.45% | 26.34% | 25.09% | 27.9% | 28.32% | 26.07% | 29.47% | 26.89% | — | — | — | — | — | — | — | — | — | |
| $129.36M | $141.15M | $107.54M | $101.95M | $57.25M | $80.98M | $88.66M | $95.79M | $76.44M | $45.36M | $44.54M | $32.9M | $29.98M | $22.93M | $120.81M | $92.17M | $65.09M | $49.09M | |
| shares | — | — | — | — | — | — | — | — | — | — | 20.94M | 20.86M | 20.8M | 20.81M | 20.96K | 20.95M | 20.88M | — |
| shares | — | 19.81M | 19.74M | 19.85M | 20.1M | 20.76M | 21.07M | 21.14M | 21.07M | 21.01M | 20.95M | 20.94M | 20.9M | 20.9M | 21.03K | 20.99M | 20.96M | — |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2009–FY2025: $97.3M in buybacks, $357M in dividends.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
—
Peer median 26.10×
EV/EBIT
—
P/E (TTM)
—
Peer median 12.56×
Peer medians compare against the 243 similar-size Banks - Regional companies (of 302 listed).
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Traditional Banking | $273,640,000 | $242,218,000 | $234,299,000 | $210,042,000 | $188,741,000 | $186,785,000 | $206,629,000 | $190,363,000 |
| Republic Credit Solutions Division | $63,803,000 | $65,016,000 | $52,085,000 | $42,485,000 | $42,485,000 | $27,545,000 | $34,860,000 | $36,821,000 |
| Tax Refund Solutions Segment | $48,439,000 | $49,956,000 | $45,646,000 | $52,400,000 | $35,595,000 | $45,745,000 | $43,481,000 | $40,756,000 |
| Republic Payment Solutions Segment | $16,910,000 | $15,083,000 | $18,714,000 | $7,795,000 | $7,795,000 | — | — | — |
| Warehouse Lending | $14,703,000 | $12,531,000 | $9,491,000 | $13,779,000 | $25,275,000 | $25,981,000 | $15,755,000 | $15,766,000 |
| Mortgage Banking Segment | — | — | $3,898,000 | $6,851,000 | $21,266,000 | $33,312,000 | $10,409,000 | $5,777,000 |
| Republic Processing Group | — | — | $116,445,000 | $102,680,000 | $74,033,000 | — | — | — |
By Product & Service (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Transfer Agent | $17,685,000 | $15,356,000 | $15,748,000 | $17,080,000 | $20,248,000 | $20,297,000 | $21,158,000 | $20,029,000 |
| Deposit Account | $14,436,000 | $14,186,000 | $13,855,000 | $13,426,000 | $12,553,000 | $11,615,000 | $14,197,000 | $14,273,000 |
| Credit And Debit Card | $12,191,000 | $12,967,000 | $13,057,000 | $13,125,000 | $13,062,000 | $11,188,000 | $11,859,000 | $11,159,000 |
| Financial Service Other | $6,032,000 | $3,883,000 | $5,437,000 | $3,496,000 | $3,420,000 | $3,466,000 | $3,664,000 | $4,658,000 |
| Gain Loss on Other Real Estate Owned | -$211,000 | -$206,000 | -$211,000 | -$211,000 | -$160,000 | -$40,000 | $540,000 | $729,000 |
| Contract Termination Fee | — | — | $1,728,000 | $5,000,000 | — | — | — | — |
| Legal Settlement | — | — | — | $13,000,000 | — | — | — | — |
| Other Financial Services | — | — | $5,437,000 | $3,496,000 | $4,399,000 | — | — | — |