[Form 4] REPUBLIC BANCORP INC /KY/ Insider Trading Activity

Rhea-AI Filing Summary

Ames Christy, EVP and General Counsel of Republic Bancorp, reported transactions dated 09/30/2025. The filing shows an acquisition of 63.88 shares of Class A common stock at a price of $72.25, resulting in 4,802.37 shares beneficially owned following the transaction. The report also lists three employee stock options: $42.74 strike for 2,688 shares (exercisable 12/31/2025, exp 12/31/2026), $49.25 strike for 2,242 shares (exercisable 01/01/2027, exp 01/01/2030), and $68.02 strike for 1,622 shares (exercisable 01/01/2028, exp 01/01/2031).

Positive

• Officer ownership disclosed: Ames Christy reports beneficial ownership of 4,802.37 Class A shares following the transaction
• Clear option schedule: Three employee stock options disclosed with exercisable and expiration dates, supporting transparency on executive incentives

Negative

• None.

Insights

Financial Analyst

TL;DR: Insider reported a small open-market acquisition and holds multiple employee stock options across staggered exercise windows.

The filing documents a 63.88-share acquisition at $72.25 on 09/30/2025 and discloses three employee stock options totaling 6,552 underlying shares with strikes of $42.74, $49.25, and $68.02. For investors, these are routine Section 16 disclosures showing compensation-related holdings rather than company performance metrics. The transaction sizes reported are modest relative to typical market-moving insider trades.

Corporate Governance Expert

TL;DR: Disclosure aligns with Section 16 reporting; shows officer ownership and option grants with standard vest/exercise schedules.

The Form 4 lists the reporting person as an officer (EVP, General Counsel) and records both an open-market acquisition and several employee stock options with clear exercisable and expiration dates. The filing includes an attorney-in-fact signature, indicating authorized submission. There are no stated amendments, litigation notes, or departures; this is a routine governance disclosure of insider holdings and compensation instruments.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

Ames Christy

(Last) (First) (Middle)

601 W MARKET ST

(Street)

LOUISVILLE KY 40202

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
REPUBLIC BANCORP INC /KY/ [ RBCAA ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, GENERAL COUNSEL

3. Date of Earliest Transaction (Month/Day/Year)
09/30/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	09/30/2025		A		63.88	A	$72.25	4,802.37	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Employee Stock Option (right to buy)	$42.74							12/31/2025	12/31/2026	Class A Common Stock	2,688		2,688	D
Employee Stock Option (right to buy)	$49.25							01/01/2027	01/01/2030	Class A Common Stock	2,242		2,242	D
Employee Stock Option (right to buy)	$68.02							01/01/2028	01/01/2031	Class A Common Stock	1,622		1,622	D

Explanation of Responses:

	/s/ Kevin Sipes, Attorney-in-Fact	10/02/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Ames Christy report on the Form 4 for RBCAA?

The Form 4 reports an acquisition of 63.88 Class A shares at $72.25 on 09/30/2025 and disclosure of three employee stock options totaling 6,552 underlying shares.

How many employee stock options does the filing list and what are the strikes?

Three options are listed: 2,688 shares at $42.74, 2,242 shares at $49.25, and 1,622 shares at $68.02.

When are the stock options exercisable and when do they expire?

The options are exercisable 12/31/2025 (expire 12/31/2026), 01/01/2027 (expire 01/01/2030), and 01/01/2028 (expire 01/01/2031) respectively.

What is the reporting person's role at Republic Bancorp (RBCAA)?

The filer is listed as EVP, General Counsel, and the Form 4 was filed by one reporting person.

Who signed the Form 4 submission?

The filing is signed by /s/ Kevin Sipes, Attorney-in-Fact on 10/02/2025.