Republic Bancorp Inc. (RBCAA) officer reports option exercise and share changes

Rhea-AI Filing Summary

Republic Bancorp Inc. reported insider activity by an executive vice president and chief lending officer involving Class A common stock on December 4, 2025. The executive exercised employee stock options for 4,868 shares at an exercise price of $51.39 per share in a transaction coded "M," and a separate transaction coded "F" covered 3,629 shares at $68.95 per share.

After these transactions, the executive beneficially owned 26,019.28 Class A shares directly and 23,470.63 shares through a 401(k) plan. The filing also shows remaining employee stock options with exercise prices of $35.92, $42.74, $49.25, and $68.02, covering future exercisable periods and totaling several thousand underlying Class A shares.

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

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

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Powell Anthony T

(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, CHIEF LENDING OFFICER

3. Date of Earliest Transaction (Month/Day/Year)
12/04/2025

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	12/04/2025		M		4,868	A	$51.39	29,648.28(1)	D
Class A Common Stock	12/04/2025		F		3,629	D	$68.95	26,019.28	D
Class A Common Stock								23,470.63(2)	I	By 401(k) Plan

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)	$51.39	12/04/2025		M			4,868	12/31/2024	12/31/2025	Class A Common Stock	4,868	$0	0	D
Employee Stock Option (right to buy)	$35.92							03/10/2025	03/09/2026	Class A Common Stock	1,500		1,500	D
Employee Stock Option (right to buy)	$42.74							12/31/2025	12/31/2026	Class A Common Stock	5,376		5,376	D
Employee Stock Option (right to buy)	$49.25							01/01/2027	01/01/2030	Class A Common Stock	4,484		4,484	D
Employee Stock Option (right to buy)	$68.02							01/01/2028	01/01/2031	Class A Common Stock	3,244		3,244	D

Explanation of Responses:

1. Reflects additional dividend equivalent rights acquired since the date of the Reporting Person's last ownership report.

2. Reflects additions to and change in value of 401(k) plan since the date of the Reporting Person's last ownership report.

	/s/ Kevin Sipes, Attorney-in-Fact	12/08/2025
	** 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 insider transaction did Republic Bancorp Inc. (RBCAA) disclose in this Form 4?

The Form 4 shows that an executive vice president and chief lending officer of Republic Bancorp Inc. exercised employee stock options for 4,868 shares of Class A common stock at an exercise price of $51.39 per share on December 4, 2025, and reported a separate transaction coded "F" for 3,629 shares at $68.95 per share.

What is the reporting person’s role at Republic Bancorp Inc. (RBCAA)?

The reporting person is listed as an officer of Republic Bancorp Inc., serving as EVP, Chief Lending Officer, and the Form 4 is filed by one reporting person.

How many Republic Bancorp (RBCAA) shares does the officer own after the reported transactions?

Following the reported transactions, the officer beneficially owned 26,019.28 Class A common shares directly and 23,470.63 Class A common shares indirectly through a 401(k) plan, as shown in Table I.

What derivative securities (stock options) does the Republic Bancorp (RBCAA) officer still hold?

Table II lists several employee stock options (rights to buy Class A common stock) that remain beneficially owned: an option with an exercise price of $35.92 for 1,500 shares exercisable from 03/10/2025 to 03/09/2026; an option at $42.74 for 5,376 shares exercisable from 12/31/2025 to 12/31/2026; an option at $49.25 for 4,484 shares exercisable from 01/01/2027 to 01/01/2030; and an option at $68.02 for 3,244 shares exercisable from 01/01/2028 to 01/01/2031.

What happened to the exercised Republic Bancorp (RBCAA) stock option grant?

The Form 4 shows an employee stock option with an exercise price of $51.39 for 4,868 underlying Class A common shares, with a transaction coded "M" on 12/04/2025. After this exercise, the number of derivative securities beneficially owned for that grant is listed as 0.

What do the Form 4 footnotes say about dividend equivalents and the 401(k) plan for RBCAA?

The explanatory notes state that one line item "reflects additional dividend equivalent rights acquired since the date of the reporting person's last ownership report," and another line item "reflects additions to and change in value of 401(k) plan since the date of the reporting person's last ownership report.