Republic Bancorp Inc Ky Financials

RBCAA

FY2025 annual

Revenue $417.5M +8.5% YoY

Net Income $131.3M +29.5% YoY

EPS (Diluted) Not reported for FY2025

Free Cash Flow $161.1M +12.5% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Republic Bancorp Inc Ky (RBCAA) reported $417.5M in revenue for fiscal year 2025, up 8.5% from the prior fiscal year. 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).

Rhea AI RBCAA FY2025 2026-05-07

Republic Bancorp’s earnings engine is balance-sheet driven, with higher returns earned on a still-leveraged asset base as capital strengthens.

By FY2025, net income reached $131.3M even with interest expense at $103.8M. Compared with FY2023, return on assets rose from 1.4% to 1.9% as leverage eased, implying better balance-sheet efficiency rather than a simple leverage boost.

The cash-conversion profile is sturdy: FY2025 operating cash flow was $168.2M versus $131.3M of net income, so reported profit translated into cash instead of being held up by accounting timing. Because capital spending was just $7.1M, free cash flow stayed high at $161.1M; this business is not constrained by heavy physical reinvestment.

From FY2024 to FY2025, equity increased by $110.3M while liabilities rose $85.1M, so asset growth was not being financed only by piling on more leverage. That matters because return on equity still reached 11.9%, showing improved shareholder returns alongside a somewhat stronger capital posture.

Financial Health Signals

Financial Health Score 63/100

Scored as: Banks peer group

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.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Republic Bancorp Inc Ky, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

5/5

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.

Earnings Quality Cash-Backed

1.28x

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

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Earnings & Revenue

Revenue

$417.5M

YoY+8.5%

5Y CAGR+5.5%

10Y CAGR+11.4%

Republic Bancorp Inc Ky generated $417.5M in revenue in fiscal year 2025. This represents an increase of 8.5% from the prior year.

Net Income

$131.3M

YoY+29.5%

5Y CAGR+9.5%

10Y CAGR+14.1%

Republic Bancorp Inc Ky reported $131.3M in net income in fiscal year 2025. This represents an increase of 29.5% from the prior year.

EBITDA

Not reported for fiscal year 2025.

EPS (Diluted)

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$161.1M

YoY+12.5%

5Y CAGR+17.5%

10Y CAGR+13.7%

Republic Bancorp Inc Ky generated $161.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 12.5% from the prior year.

Cash & Debt

$220.0M

YoY-49.1%

5Y CAGR-14.6%

10Y CAGR+0.5%

Republic Bancorp Inc Ky held $220.0M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

Not reported for fiscal year 2025.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

31.4%

YoY+5.1pp

5Y CAGR+5.4pp

10Y CAGR+6.8pp

Republic Bancorp Inc Ky's net profit margin was 31.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.1 percentage points from the prior year.

Return on Equity

11.9%

YoY+1.7pp

5Y CAGR+1.8pp

10Y CAGR+5.8pp

Republic Bancorp Inc Ky's ROE was 11.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.7 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$72K

Republic Bancorp Inc Ky spent $72K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$7.1M

YoY+22.3%

5Y CAGR+14.7%

10Y CAGR+2.9%

Republic Bancorp Inc Ky invested $7.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 22.3% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

RBCAA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

RBCAA annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$409.5M	$417.5M+8.5%	$384.8M+6.8%	$360.2M+10.3%	$326.5M+5.6%	$309.3M-3.1%	$319.4M+2.6%	$311.1M+7.5%	$289.5M+32.3%	$218.8M+25.7%	$174.0M+22.2%	$142.4M+7.6%	$132.4M-1.6%	$134.6M-26.6%	$183.5M-6.0%	$195.1M
SG&A Expenses	$128.3M	$127.1M+7.1%	$118.7M+2.4%	$115.9M+4.2%	$111.2M+1.0%	$110.1M+3.7%	$106.2M+7.0%	$99.2M+8.8%	$91.2M+10.9%	$82.2M+17.7%	$69.9M+20.3%	$58.1M+6.8%	$54.4M-5.9%	$57.8M-4.7%	$60.6M+10.3%	$55.0M
Interest Expense	$94.9M	$103.8M-14.1%	$120.8M+79.6%	$67.3M+798.0%	$7.5M+32.2%	$5.7M-71.6%	$19.9M-55.4%	$44.8M+48.6%	$30.1M+48.7%	$20.3M+12.9%	$17.9M-2.8%	$18.5M-5.8%	$19.6M-8.4%	$21.4M-6.2%	$22.8M-24.6%	$30.3M
Income Tax	$35.3M	$34.4M+30.6%	$26.3M+15.3%	$22.8M-11.3%	$25.7M+8.0%	$23.8M+22.9%	$19.4M-9.8%	$21.5M+31.0%	$16.4M-49.9%	$32.8M+42.0%	$23.1M+27.6%	$18.1M+16.4%	$15.5M+3.0%	$15.1M-76.7%	$64.6M+29.1%	$50.0M
Net Income	$128.0M	$131.3M+29.5%	$101.4M+12.2%	$90.4M-0.8%	$91.1M+4.0%	$87.6M+5.2%	$83.2M-9.2%	$91.7M+17.8%	$77.9M+70.6%	$45.6M-0.6%	$45.9M+30.5%	$35.2M+22.2%	$28.8M+13.2%	$25.4M-78.7%	$119.3M+26.8%	$94.1M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$101.3M-15.9%	$120.4M+27.7%	$94.3M+0.8%	$93.5M-0.3%	$93.8M-30.9%	$135.8M+51.8%	$89.5M+1.6%	$88.1M
SG&A Expenses	$30.9M-3.7%	$32.1M-6.0%	$34.2M+10.1%	$31.0M+0.7%	$30.8M-0.9%	$31.1M+0.2%	$31.0M+7.7%	$28.8M
Interest Expense	$20.8M-10.7%	$23.3M-4.5%	$24.4M-7.0%	$26.3M+1.0%	$26.0M-4.2%	$27.1M-2.0%	$27.7M-8.4%	$30.2M
Income Tax	$9.7M-24.4%	$12.8M+168.5%	$4.8M-40.5%	$8.0M-10.0%	$8.9M-29.8%	$12.7M+214.7%	$4.0M-44.8%	$7.3M
Net Income	$32.9M-22.8%	$42.6M+86.5%	$22.8M-23.3%	$29.7M-5.5%	$31.5M-33.4%	$47.3M+148.6%	$19.0M-28.4%	$26.5M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EPS (Diluted).

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

RBCAA Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

RBCAA annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$7.0B+2.9%	$6.8B+3.8%	$6.6B+13.0%	$5.8B-5.4%	$6.2B0.0%	$6.2B+9.8%	$5.6B+7.2%	$5.2B+3.0%	$5.1B+5.6%	$4.8B+13.9%	$4.2B+12.9%	$3.7B+11.1%	$3.4B-0.7%	$3.4B-0.7%	$3.4B
Cash & Equivalents	$220.0M-49.1%	$432.2M+36.5%	$316.6M+0.9%	$313.7M-58.6%	$757.0M+55.9%	$485.6M+26.0%	$385.3M+9.6%	$351.5M+17.4%	$299.4M+3.5%	$289.3M+37.7%	$210.1M+188.3%	$72.9M-57.3%	$170.9M+24.1%	$137.7M-62.1%	$363.0M
Goodwill	$40.5M0.0%	$40.5M0.0%	$40.5M+148.6%	$16.3M0.0%	$16.3M0.0%	$16.3M0.0%	$16.3M0.0%	$16.3M0.0%	$16.3M0.0%	$16.3M+60.3%	$10.2M0.0%	$10.2M0.0%	$10.2M0.0%	$10.2M0.0%	$10.2M
Total Liabilities	$5.9B+1.5%	$5.9B+3.0%	$5.7B+14.1%	$5.0B-5.3%	$5.3B-1.6%	$5.3B+10.1%	$4.9B+6.7%	$4.6B+2.2%	$4.5B+5.7%	$4.2B+15.3%	$3.7B+14.6%	$3.2B+12.7%	$2.8B-1.0%	$2.9B-3.7%	$3.0B
Total Equity	$1.1B+11.1%	$992.0M+8.7%	$912.8M+6.6%	$856.6M+2.6%	$835.1M+1.4%	$823.3M+7.7%	$764.2M+10.8%	$689.9M+9.1%	$632.4M+4.6%	$604.4M+4.8%	$576.5M+3.2%	$558.7M+2.9%	$542.8M+1.1%	$536.7M+18.6%	$452.4M
Retained Earnings	$945.4M+10.8%	$853.6M+8.5%	$786.5M+6.0%	$742.3M+7.8%	$688.5M+3.3%	$666.3M+8.5%	$614.2M+12.7%	$545.0M+11.8%	$487.7M+5.9%	$460.6M+6.5%	$432.7M+4.4%	$414.6M+3.2%	$401.8M+2.1%	$393.5M+26.2%	$311.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$7.1B-2.6%	$7.3B+3.0%	$7.0B+0.4%	$7.0B+0.6%	$7.0B-1.5%	$7.1B+3.3%	$6.8B+2.3%	$6.7B
Cash & Equivalents	$354.1M-40.9%	$599.1M+172.4%	$220.0M-54.6%	$484.2M-0.1%	$484.8M-38.9%	$793.0M+83.5%	$432.2M-18.6%	$530.9M
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-3.5%	$6.1B+3.0%	$5.9B+0.2%	$5.9B+0.3%	$5.9B-2.2%	$6.0B+3.2%	$5.9B+2.5%	$5.7B
Total Equity	$1.2B+2.1%	$1.1B+2.8%	$1.1B+1.6%	$1.1B+2.3%	$1.1B+2.5%	$1.0B+4.2%	$992.0M+1.3%	$979.7M
Retained Earnings	$999.0M+2.3%	$976.3M+3.3%	$945.4M+1.4%	$932.0M+2.3%	$911.3M+2.4%	$889.7M+4.2%	$853.6M+1.3%	$842.5M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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.

RBCAA annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$144.7M	$168.2M+12.9%	$149.0M+37.3%	$108.5M-29.9%	$154.8M+54.4%	$100.3M+32.9%	$75.4M-28.3%	$105.2M-11.8%	$119.2M+53.3%	$77.8M+63.2%	$47.7M-4.7%	$50.0M+87.4%	$26.7M+20.0%	$22.3M-74.2%	$86.3M-30.2%	$123.6M
Capital Expenditures	$8.3M	$7.1M+22.3%	$5.8M-15.8%	$6.9M+96.9%	$3.5M-39.4%	$5.8M+61.5%	$3.6M-72.2%	$12.9M+31.2%	$9.8M-20.7%	$12.4M+76.1%	$7.0M+32.2%	$5.3M-31.4%	$7.8M+54.5%	$5.0M+29.2%	$3.9M+4.3%	$3.7M
Free Cash Flow	$135.9M	$161.1M+12.5%	$143.2M+40.9%	$101.6M-32.8%	$151.3M+60.1%	$94.5M+31.5%	$71.8M-22.2%	$92.3M-15.6%	$109.4M+67.3%	$65.4M+60.9%	$40.6M-9.1%	$44.7M+136.1%	$18.9M+9.9%	$17.2M-79.1%	$82.4M-31.3%	$119.9M
Investing Cash Flow	-$257.8M	-$436.1M-140.9%	-$181.0M+65.0%	-$517.0M-103.1%	-$254.5M-183.0%	$306.6M+172.6%	-$422.0M+3.0%	-$435.2M-258.1%	-$121.5M+57.7%	-$287.1M+3.0%	-$296.1M+17.3%	-$358.2M+23.9%	-$470.9M-1181.2%	$43.6M-95.6%	$995.3M+456.5%	-$279.2M
Financing Cash Flow	-$17.6M	$55.7M-62.2%	$147.6M-64.1%	$411.3M+219.7%	-$343.6M-153.7%	-$135.4M-130.3%	$446.9M+22.8%	$363.9M+568.3%	$54.4M-75.2%	$219.4M-33.1%	$327.7M-26.4%	$445.4M+28.6%	$346.2M+1160.8%	-$32.6M+97.5%	-$1.3B-387.9%	-$267.8M
Dividends Paid	$35.6M	$33.9M+11.0%	$30.5M+7.6%	$28.4M+8.4%	$26.1M+5.9%	$24.7M+6.4%	$23.2M+8.5%	$21.4M+9.6%	$19.5M+10.4%	$17.7M+5.3%	$16.8M+5.9%	$15.8M+6.1%	$14.9M+6.6%	$14.0M-61.2%	$36.1M+193.3%	$12.3M
Share Buybacks	N/A	$72K	N/A	$20.3M+61.2%	$12.6M-73.5%	$47.5M+1107.8%	$3.9M+177.5%	$1.4M+71.5%	$827K-21.1%	$1.0M-13.2%	$1.2M+119.1%	$551K+58.8%	$347K-91.5%	$4.1M+145.5%	$1.7M+239.0%	$492K

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.1M-98.5%	$73.0M+119.3%	$33.3M-10.9%	$37.4M+342.3%	$8.4M-90.5%	$89.1M+295.5%	$22.5M-56.1%	$51.3M
Capital Expenditures	$1.2M-75.6%	$4.9M+1680.8%	-$276K-88.8%	$2.5M-24.7%	$3.3M+101.4%	$1.6M+74.2%	$935K-37.5%	$1.5M
Free Cash Flow	-$120K-100.2%	$68.1M+106.2%	$33.0M-5.4%	$34.9M+575.2%	$5.2M-94.1%	$87.5M+305.1%	$21.6M-56.6%	$49.8M
Investing Cash Flow	-$56.9M-136.6%	$155.7M+152.1%	-$298.7M-415.2%	-$58.0M+71.3%	-$201.8M-265.0%	$122.3M+145.1%	-$271.5M-670.6%	$47.6M
Financing Cash Flow	-$189.2M-225.8%	$150.4M+13497.1%	$1.1M-94.5%	$20.0M+117.4%	-$114.9M-176.9%	$149.5M-0.5%	$150.2M+370.0%	$32.0M
Dividends Paid	$9.6M+10.1%	$8.7M+0.1%	$8.7M+0.1%	$8.7M0.0%	$8.7M+11.2%	$7.8M0.0%	$7.8M+0.1%	$7.8M
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.

RBCAA annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	31.4%+5.1pp	26.3%+1.3pp	25.1%-2.8pp	27.9%-0.4pp	28.3%+2.3pp	26.1%-3.4pp	29.5%+2.6pp	26.9%+6.0pp	20.9%-5.5pp	26.4%+1.7pp	24.7%+2.9pp	21.8%+2.9pp	18.9%-46.2pp	65.0%+16.8pp	48.3%
Return on Equity	11.9%+1.7pp	10.2%+0.3pp	9.9%-0.7pp	10.6%+0.2pp	10.5%+0.4pp	10.1%-1.9pp	12.0%+0.7pp	11.3%+4.1pp	7.2%-0.4pp	7.6%+1.5pp	6.1%+1.0pp	5.1%+0.5pp	4.7%-17.6pp	22.2%+1.4pp	20.8%
Return on Assets	1.9%+0.4pp	1.5%+0.1pp	1.4%-0.2pp	1.6%+0.1pp	1.4%+0.1pp	1.4%-0.3pp	1.6%+0.1pp	1.5%+0.6pp	0.9%-0.1pp	0.9%+0.1pp	0.8%+0.1pp	0.8%0.0pp	0.8%-2.8pp	3.5%+0.8pp	2.8%
Debt-to-Equity	5.39-0.5x	5.90-0.3x	6.23+0.4x	5.81-0.5x	6.30-0.2x	6.49+0.1x	6.35-0.2x	6.60-0.4x	7.04+0.1x	6.97+0.6x	6.34+0.6x	5.71+0.5x	5.21-0.1x	5.32-1.2x	6.56
FCF Margin	38.6%+1.4pp	37.2%+9.0pp	28.2%-18.1pp	46.3%+15.8pp	30.5%+8.0pp	22.5%-7.2pp	29.7%-8.1pp	37.8%+7.9pp	29.9%+6.5pp	23.4%-8.0pp	31.4%+17.1pp	14.3%+1.5pp	12.8%-32.1pp	44.9%-16.5pp	61.4%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	32.5%-2.9pp	35.4%+11.1pp	24.2%-7.6pp	31.8%-1.8pp	33.6%-1.2pp	34.8%+13.6pp	21.2%-8.9pp	30.1%
Return on Equity	2.8%-0.9pp	3.8%+1.7pp	2.1%-0.7pp	2.7%-0.2pp	3.0%-1.6pp	4.6%+2.6pp	1.9%-0.8pp	2.7%
Return on Assets	0.5%-0.1pp	0.6%+0.3pp	0.3%-0.1pp	0.4%0.0pp	0.4%-0.2pp	0.7%+0.4pp	0.3%-0.1pp	0.4%
Debt-to-Equity	5.10-0.3x	5.400.0x	5.39-0.1x	5.47-0.1x	5.58-0.3x	5.84-0.1x	5.90+0.1x	5.83
FCF Margin	-0.1%-56.7pp	56.5%+21.5pp	35.0%-2.3pp	37.3%+31.8pp	5.5%-58.9pp	64.4%+40.3pp	24.1%-32.4pp	56.5%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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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.

Does Republic Bancorp Inc Ky buy back shares?

Yes, Republic Bancorp Inc Ky (RBCAA) spent $72K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

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 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 63 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.