Republic Bancorp Inc Ky Financials

RBCAA

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 47/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Republic Bancorp Inc Ky's revenue grew 6.8% year-over-year to $384.8M, a solid pace of expansion. This earns a growth score of 48/100.

Leverage

Republic Bancorp Inc Ky has elevated debt relative to equity (D/E of 5.90), 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 37.2% of revenue into free cash flow ($143.2M). This strong cash generation earns a score of 100/100.

Returns

Republic Bancorp Inc Ky's ROE of 10.2% shows moderate profitability relative to equity, earning a score of 41/100. This is up from 9.9% 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

1.47x

For every $1 of reported earnings, Republic Bancorp Inc Ky generates $1.47 in operating cash flow ($149.0M OCF vs $101.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Republic Bancorp Inc Ky (RBCAA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).

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Key Financial Metrics

Revenue

$384.8M

YoY+6.8%

5Y CAGR+4.3%

10Y CAGR+11.3%

Republic Bancorp Inc Ky generated $384.8M in revenue in fiscal year 2024. This represents an increase of 6.8% from the prior year.

EBITDA

N/A

Free Cash Flow

$143.2M

YoY+40.9%

5Y CAGR+9.2%

10Y CAGR+22.4%

Republic Bancorp Inc Ky generated $143.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 40.9% from the prior year.

Net Income

$101.4M

YoY+12.2%

5Y CAGR+2.0%

10Y CAGR+13.4%

Republic Bancorp Inc Ky reported $101.4M in net income in fiscal year 2024. This represents an increase of 12.2% from the prior year.

EPS (Diluted)

N/A

Cash & Debt

$432.2M

YoY+36.5%

5Y CAGR+2.3%

10Y CAGR+19.5%

Republic Bancorp Inc Ky held $432.2M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

N/A

Gross Margin

N/A

Operating Margin

N/A

Net Margin

26.3%

YoY+1.3pp

5Y CAGR-3.1pp

10Y CAGR+4.6pp

Republic Bancorp Inc Ky's net profit margin was 26.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 1.3 percentage points from the prior year.

Return on Equity

10.2%

YoY+0.3pp

5Y CAGR-1.8pp

10Y CAGR+5.1pp

Republic Bancorp Inc Ky's ROE was 10.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$5.8M

YoY-15.8%

5Y CAGR-14.7%

10Y CAGR-2.9%

Republic Bancorp Inc Ky invested $5.8M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 15.8% from the prior year.

RBCAA Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$384.8M+6.8%	$360.2M+10.3%	$326.5M+5.6%	$309.3M-3.1%	$319.4M+2.6%	$311.1M
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	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$120.8M+79.6%	$67.3M+798.0%	$7.5M+32.2%	$5.7M-71.6%	$19.9M-55.4%	$44.8M
Income Tax	$26.3M+15.3%	$22.8M-11.3%	$25.7M+8.0%	$23.8M+22.9%	$19.4M-9.8%	$21.5M
Net Income	$101.4M+12.2%	$90.4M-0.8%	$91.1M+4.0%	$87.6M+5.2%	$83.2M-9.2%	$91.7M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$93.5M-0.3%	$93.8M-30.9%	$135.8M+51.8%	$89.5M+3.0%	$86.9M-27.8%	$120.3M+47.5%	$81.6M+3.0%	$79.2M
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$26.3M+1.0%	$26.0M-4.2%	$27.1M-2.0%	$27.7M-5.0%	$29.2M-13.5%	$33.7M+40.5%	$24.0M+14.1%	$21.0M
Income Tax	$8.0M-10.0%	$8.9M-29.8%	$12.7M+214.7%	$4.0M-41.5%	$6.9M-14.8%	$8.1M+109.7%	$3.9M-29.8%	$5.5M
Net Income	$29.7M-5.5%	$31.5M-33.4%	$47.3M+148.6%	$19.0M-24.6%	$25.2M-17.6%	$30.6M+55.7%	$19.7M-8.9%	$21.6M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

RBCAA Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$6.8B+3.8%	$6.6B+13.0%	$5.8B-5.4%	$6.2B0.0%	$6.2B+9.8%	$5.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$432.2M+36.5%	$316.6M+0.9%	$313.7M-58.6%	$757.0M+55.9%	$485.6M+26.0%	$385.3M
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%	$40.5M+148.6%	$16.3M0.0%	$16.3M0.0%	$16.3M0.0%	$16.3M
Total Liabilities	$5.9B+3.0%	$5.7B+14.1%	$5.0B-5.3%	$5.3B-1.6%	$5.3B+10.1%	$4.9B
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	$992.0M+8.7%	$912.8M+6.6%	$856.6M+2.6%	$835.1M+1.4%	$823.3M+7.7%	$764.2M
Retained Earnings	$853.6M+8.5%	$786.5M+6.0%	$742.3M+7.8%	$688.5M+3.3%	$666.3M+8.5%	$614.2M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$7.0B+0.6%	$7.0B-1.5%	$7.1B+3.3%	$6.8B+3.5%	$6.6B-3.8%	$6.9B+4.3%	$6.6B+3.3%	$6.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$484.2M-0.1%	$484.8M-38.9%	$793.0M+83.5%	$432.2M+8.0%	$400.1M-26.8%	$546.4M+72.6%	$316.6M+44.1%	$219.7M
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+0.3%	$5.9B-2.2%	$6.0B+3.2%	$5.9B+3.4%	$5.7B-4.7%	$5.9B+4.5%	$5.7B+3.4%	$5.5B
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+2.3%	$1.1B+2.5%	$1.0B+4.2%	$992.0M+3.8%	$955.4M+2.1%	$935.6M+2.5%	$912.8M+2.2%	$893.4M
Retained Earnings	$932.0M+2.3%	$911.3M+2.4%	$889.7M+4.2%	$853.6M+3.4%	$825.5M+2.1%	$808.8M+2.8%	$786.5M+1.1%	$777.8M

RBCAA Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$149.0M+37.3%	$108.5M-29.9%	$154.8M+54.4%	$100.3M+32.9%	$75.4M-28.3%	$105.2M
Capital Expenditures	$5.8M-15.8%	$6.9M+96.9%	$3.5M-39.4%	$5.8M+61.5%	$3.6M-72.2%	$12.9M
Free Cash Flow	$143.2M+40.9%	$101.6M-32.8%	$151.3M+60.1%	$94.5M+31.5%	$71.8M-22.2%	$92.3M
Investing Cash Flow	-$181.0M+65.0%	-$517.0M-103.1%	-$254.5M-183.0%	$306.6M+172.6%	-$422.0M+3.0%	-$435.2M
Financing Cash Flow	$147.6M-64.1%	$411.3M+219.7%	-$343.6M-153.7%	-$135.4M-130.3%	$446.9M+22.8%	$363.9M
Dividends Paid	$30.5M+7.6%	$28.4M+8.4%	$26.1M+5.9%	$24.7M+6.4%	$23.2M+8.5%	$21.4M
Share Buybacks	N/A	$20.3M+61.2%	$12.6M-73.5%	$47.5M+1107.8%	$3.9M+177.5%	$1.4M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$33.3M+293.9%	$8.4M-90.9%	$93.2M+313.6%	$22.5M+465.9%	$4.0M-94.4%	$71.2M+219.7%	$22.3M+4.3%	$21.4M
Capital Expenditures	$2.5M-24.7%	$3.3M+101.4%	$1.6M+74.2%	$935K-27.4%	$1.3M-38.4%	$2.1M+29.2%	$1.6M-7.4%	$1.7M
Free Cash Flow	$30.8M+496.0%	$5.2M-94.4%	$91.6M+324.0%	$21.6M+701.9%	$2.7M-96.1%	$69.1M+234.6%	$20.7M+5.3%	$19.6M
Investing Cash Flow	-$53.9M+73.3%	-$201.8M-270.7%	$118.2M+143.5%	-$271.5M-325.1%	$120.6M+255.1%	-$77.7M+26.5%	-$105.7M-319.6%	-$25.2M
Financing Cash Flow	$20.0M+117.4%	-$114.9M-176.9%	$149.5M-0.5%	$150.2M+155.5%	-$270.9M-214.6%	$236.3M+31.0%	$180.4M+1076.0%	-$18.5M
Dividends Paid	$8.7M0.0%	$8.7M+11.2%	$7.8M0.0%	$7.8M+0.3%	$7.8M+9.1%	$7.1M-0.6%	$7.2M-1.1%	$7.3M
Share Buybacks	$0	N/A	N/A	N/A	N/A	N/A	$4.2M-55.6%	$9.4M

RBCAA Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
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	26.3%+1.3pp	25.1%-2.8pp	27.9%-0.4pp	28.3%+2.3pp	26.1%-3.4pp	29.5%
Return on Equity	10.2%+0.3pp	9.9%-0.7pp	10.6%+0.2pp	10.5%+0.4pp	10.1%-1.9pp	12.0%
Return on Assets	1.5%+0.1pp	1.4%-0.2pp	1.6%+0.1pp	1.4%+0.1pp	1.4%-0.3pp	1.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.90-0.3	6.23+0.4	5.81-0.5	6.30-0.2	6.49+0.1	6.35
FCF Margin	37.2%+9.0pp	28.2%-18.1pp	46.3%+15.8pp	30.5%+8.0pp	22.5%-7.2pp	29.7%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
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	31.8%-1.8pp	33.6%-1.2pp	34.8%+13.6pp	21.2%-7.8pp	29.0%+3.6pp	25.4%+1.3pp	24.1%-3.2pp	27.3%
Return on Equity	2.7%-0.2pp	3.0%-1.6pp	4.6%+2.6pp	1.9%-0.7pp	2.6%-0.6pp	3.3%+1.1pp	2.1%-0.3pp	2.4%
Return on Assets	0.4%-0.0pp	0.4%-0.2pp	0.7%+0.4pp	0.3%-0.1pp	0.4%-0.1pp	0.4%+0.1pp	0.3%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	5.47-0.1	5.58-0.3	5.84-0.1	5.90-0.0	5.93-0.4	6.35+0.1	6.23+0.1	6.15
FCF Margin	32.9%+27.4pp	5.5%-61.9pp	67.4%+43.3pp	24.1%+21.0pp	3.1%-54.4pp	57.5%+32.1pp	25.3%+0.6pp	24.8%

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Frequently Asked Questions

What is Republic Bancorp Inc Ky's annual revenue?

Republic Bancorp Inc Ky (RBCAA) reported $384.8M in total revenue for fiscal year 2024. This represents a 6.8% 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 6.8% year-over-year, from $360.2M to $384.8M in fiscal year 2024.

Is Republic Bancorp Inc Ky profitable?

Yes, Republic Bancorp Inc Ky (RBCAA) reported a net income of $101.4M in fiscal year 2024, with a net profit margin of 26.3%.

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

Republic Bancorp Inc Ky (RBCAA) had a net profit margin of 26.3% in fiscal year 2024, 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 10.2% for fiscal year 2024, 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 $143.2M in free cash flow during fiscal year 2024. This represents a 40.9% 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 $149.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Republic Bancorp Inc Ky's total assets?

Republic Bancorp Inc Ky (RBCAA) had $6.8B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Republic Bancorp Inc Ky's capital expenditures?

Republic Bancorp Inc Ky (RBCAA) invested $5.8M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

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

Republic Bancorp Inc Ky (RBCAA) had a debt-to-equity ratio of 5.90 as of fiscal year 2024, 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 1.5% for fiscal year 2024, 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 7–9 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 1.47x, 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 47 out of 100 on our Financial Profile, indicating moderate 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.