Republic Bancorp Inc/KY (RBCAA) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the RBCAA SEC filings page.
Republic Bancorp Inc/KY (RBCAA) reported $409.5M in revenue over the twelve months to Jun 30, 2026, up 0.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Profit acceleration outpaced asset growth, lifting earnings efficiency while cash generation remained close to reported profit.
From FY2023 to FY2025, net profit margin rose from25.1% to31.5% while return on assets improved from1.4% to1.9% ; earnings therefore expanded both per revenue dollar and per asset dollar, not merely with balance-sheet growth. The result is more than top-line growth: the bank generated more earnings from each dollar of activity and each dollar of assets.
FY2025 operating cash flow was
From FY2023 to FY2025, debt-to-equity declined from 6.2x to 5.4x, indicating equity grew relative to obligations rather than merely tracking asset expansion. That balance-sheet strengthening signal coexists with a liability-funded structure typical of the reported business model.
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. 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.
Republic Bancorp Inc/KY earned a return on assets of 1.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.5% the prior year. Earnings ranks banks on that return over three years, and Republic Bancorp Inc/KY scores 89/100 among other banks.
Republic Bancorp Inc/KY reported revenue of $417.5M in fiscal year 2025, against $384.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Republic Bancorp Inc/KY scores 49/100 among other banks.
Republic Bancorp Inc/KY funded 15.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.1B of equity against $7.0B of assets. Capital ranks banks on that cushion, and Republic Bancorp Inc/KY scores 81/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Republic Bancorp Inc/KY scores 84/100 on it among other banks.
Not available for Republic Bancorp Inc/KY, and counted as zero in the overall score.
Republic Bancorp Inc/KY reported net income of $131.3M in fiscal year 2025, against $101.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Republic Bancorp Inc/KY scores 69/100 among other banks.
Republic Bancorp Inc/KY passes 5 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), both operating efficiency signals pass.
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
Earnings & Revenue
Republic Bancorp Inc/KY generated $101.3M in revenue in Q2 2026. This represents an increase of 7.9% from the same quarter a year earlier. Against the prior quarter it is down 15.9%.
Republic Bancorp Inc/KY reported $32.9M in net income in Q2 2026. This represents an increase of 4.4% from the same quarter a year earlier. Against the prior quarter it is down 22.8%.
Not reported for Q2 2026.
Not reported for Q2 2026.
Cash & Balance Sheet
Republic Bancorp Inc/KY recorded an outflow of $120K in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 102.3% from the same quarter a year earlier. Against the prior quarter it is down 100.2%.
Republic Bancorp Inc/KY held $354.1M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
Republic Bancorp Inc/KY's net profit margin was 32.5% in Q2 2026, showing the share of revenue converted to profit. This is down 1.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.9 percentage points.
Republic Bancorp Inc/KY's ROE was 2.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.9 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Republic Bancorp Inc/KY invested $1.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 63.5% from the same quarter a year earlier. Against the prior quarter it is down 75.6%.
Not reported for Q2 2026.
Not reported for Q2 2026.
RBCAA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $101.3M+7.9% | $120.4M-11.4% | $94.3M+5.3% | $93.5M+6.2% | $93.8M+8.0% | $135.8M+12.9% | $89.5M+9.7% | $88.1M+11.3% |
| SG&A Expenses | $30.9M+0.5% | $32.1M+3.4% | $34.2M+10.2% | $31.0M+7.8% | $30.8M+5.7% | $31.1M+4.6% | $31.0M+17.4% | $28.8M+0.2% |
| Interest Expense | $20.8M-19.9% | $23.3M-14.1% | $24.4M-11.9% | $26.3M-13.1% | $26.0M-10.8% | $27.1M-19.5% | $27.7M+15.5% | $30.2M+43.7% |
| Income Tax | $9.7M+8.7% | $12.8M+1.0% | $4.8M+18.3% | $8.0M+9.7% | $8.9M+29.1% | $12.7M+56.9% | $4.0M+4.5% | $7.3M+32.8% |
| Net Income | $32.9M+4.4% | $42.6M-9.9% | $22.8M+20.0% | $29.7M+12.1% | $31.5M+24.9% | $47.3M+54.4% | $19.0M-3.3% | $26.5M+23.0% |
| Diluted Shares (Avg) | 20M+0.4% | 20M+0.2% | N/A | 20M+0.3% | 20M+0.4% | 20M+0.5% | N/A | 20M-0.2% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, EPS (Basic), EPS (Diluted).
RBCAA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $7.1B+1.3% | $7.3B+2.5% | $7.0B+2.9% | $7.0B+4.8% | $7.0B+5.4% | $7.1B+2.9% | $6.8B+3.8% | $6.7B+4.8% |
| Cash & Equivalents | $354.1M-27.0% | $599.1M-24.5% | $220.0M-49.1% | $484.2M-8.8% | $484.8M+21.2% | $793.0M+45.1% | $432.2M+36.5% | $530.9M+141.7% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $40.5M0.0% | $40.5M0.0% | $40.5M0.0% | $40.5M0.0% | $40.5M0.0% | $40.5M0.0% | $40.5M0.0% | $40.5M0.0% |
| Total Liabilities | $5.9B-0.1% | $6.1B+1.3% | $5.9B+1.5% | $5.9B+3.8% | $5.9B+4.4% | $6.0B+1.7% | $5.9B+3.0% | $5.7B+4.0% |
| Total Equity | $1.2B+9.1% | $1.1B+9.6% | $1.1B+11.1% | $1.1B+10.7% | $1.1B+11.0% | $1.0B+10.5% | $992.0M+8.7% | $979.7M+9.7% |
| Retained Earnings | $999.0M+9.6% | $976.3M+9.7% | $945.4M+10.8% | $932.0M+10.6% | $911.3M+10.4% | $889.7M+10.0% | $853.6M+8.5% | $842.5M+8.3% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
RBCAA Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.1M-87.3% | $73.0M-18.1% | $33.3M+47.8% | $37.4M-27.1% | $8.4M+112.2% | $89.1M+25.1% | $22.5M+1.1% | $51.3M+140.0% |
| Depreciation & Amortization | $2.1M+32.9% | $1.7M-10.4% | $1.6M-1.3% | $1.5M-10.7% | $1.6M-1.4% | $1.9M-0.1% | $1.6M-23.4% | $1.7M+3.1% |
| Stock-Based Compensation | N/A | $507K+166.8% | N/A | N/A | N/A | $190K+18.8% | N/A | N/A |
| Capital Expenditures | $1.2M-63.5% | $4.9M+201.7% | -$276K-70.5% | $2.5M+65.2% | $3.3M+154.7% | $1.6M-22.1% | $935K-42.2% | $1.5M-14.4% |
| Free Cash Flow | -$120K-102.3% | $68.1M-22.2% | $33.0M+52.9% | $34.9M-29.9% | $5.2M+91.9% | $87.5M+26.5% | $21.6M+4.5% | $49.8M+153.7% |
| Investing Cash Flow | -$56.9M+71.8% | $155.7M+27.3% | -$298.7M-10.0% | -$58.0M-221.8% | -$201.8M-267.3% | $122.3M+257.3% | -$271.5M-156.8% | $47.6M+288.8% |
| Financing Cash Flow | -$189.2M-64.7% | $150.4M+0.6% | $1.1M-99.3% | $20.0M-37.3% | -$114.9M+57.6% | $149.5M-36.8% | $150.2M-16.7% | $32.0M+273.0% |
| Dividends Paid | $9.6M+10.2% | $8.7M+11.4% | $8.7M+11.3% | $8.7M+11.4% | $8.7M+11.6% | $7.8M+9.5% | $7.8M+8.8% | $7.8M+7.4% |
| Share Buybacks | N/A | N/A | $0 | $0 | N/A | N/A | N/A | N/A |
RBCAA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.5%-1.1pp | 35.4%+0.6pp | 24.2%+3.0pp | 31.8%+1.7pp | 33.6%+4.5pp | 34.8%+9.4pp | 21.2%-2.9pp | 30.1%+2.9pp |
| Return on Equity | 2.8%-0.1pp | 3.8%-0.8pp | 2.1%+0.2pp | 2.7%0.0pp | 3.0%+0.3pp | 4.6%+1.3pp | 1.9%-0.2pp | 2.7%+0.3pp |
| Return on Assets | 0.5%0.0pp | 0.6%-0.1pp | 0.3%0.0pp | 0.4%0.0pp | 0.4%+0.1pp | 0.7%+0.2pp | 0.3%0.0pp | 0.4%+0.1pp |
| Debt-to-Equity | 5.10-0.5x | 5.40-0.4x | 5.39-0.5x | 5.47-0.4x | 5.58-0.3x | 5.84-0.5x | 5.90-0.3x | 5.83-0.3x |
| Asset Turnover | 0.010.0x | 0.020.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.020.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -0.1%-5.6pp | 56.5%-7.8pp | 35.0%+10.9pp | 37.3%-19.2pp | 5.5%+2.4pp | 64.4%+6.9pp | 24.1%-1.2pp | 56.5%+31.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Republic Bancorp Inc/KY RBCAA | FY2025 | $417.5M | $131.3M | 31.4% | $1.8B | 62/100 |
| S&T Bancorp Inc STBA | FY2025 | $402.1M | $134.2M | 33.4% | $1.7B | 58/100 |
| Trico Bancshares TCBK | FY2025 | $419.2M | $121.6M | 29.0% | $1.7B | 56/100 |
| NATIONAL BANK HOLDINGS CORP. NBHC | FY2025 | $416.1M | $109.6M | 26.3% | $1.7B | 53/100 |
| Stellar Bancorp, Inc. STEL | FY2025 | $423.4M | $102.9M | 24.3% | $2.0B | 20/100 |
| 1st Source Corp SRCE | FY2025 | $433.8M | $158.3M | 36.5% | $2.1B | 74/100 |
Where Republic Bancorp Inc/KY Ranks
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.
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 P/E ratio?
Republic Bancorp Inc/KY (RBCAA) trades at 14.4x earnings, its market capitalization divided by net income of $128.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.8B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Republic Bancorp Inc/KY's price-to-sales ratio?
Republic Bancorp Inc/KY (RBCAA) trades at 4.5x sales, its market capitalization divided by revenue of $409.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.8B as of Oct 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Republic Bancorp Inc/KY's Piotroski F-Score?
Republic Bancorp Inc/KY (RBCAA) has a Piotroski F-Score of 5 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 62 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.