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

Rhea-AI Filing Summary

Heather V. Howell, a director of Republic Bancorp Inc. (RBCAA), reported an acquisition on 09/30/2025. The Form 4 shows an acquisition of 138.41 Class A common stock units at a reported price of $72.25. Following the transaction the report lists 8,668.71 shares (or share-equivalents) beneficially owned. A footnote states this reflects additional dividend equivalent rights acquired since the last ownership report. The filing was signed on behalf of the reporting person by an attorney-in-fact on 10/02/2025.

Insights

Securities Analyst

TL;DR Insider acquired a small position including dividend-equivalent units; disclosure is routine and provides updated ownership data.

The Form 4 discloses a transaction dated 09/30/2025 in which Heather V. Howell, identified as a director, acquired 138.41 units of Class A common stock at a reported price of $72.25. The report shows 8,668.71 shares (or share-equivalents) beneficially owned following the transaction and includes a note that additional dividend equivalent rights were acquired since the last report. This is a standard Section 16 filing updating beneficial ownership; there are no additional material items such as option grants, dispositions, or unusual terms disclosed.

Corporate Governance Expert

TL;DR Routine insider disclosure by a director; documents additional dividend-equivalent rights and updates ownership totals.

The filing cleanly identifies the reporting person, relationship to the issuer (Director), transaction date (09/30/2025), and the reported amounts and price. The explanatory footnote clarifies that the reported increase includes dividend equivalent rights acquired since the last report. The document appears complete for its purpose and is signed by an attorney-in-fact on 10/02/2025. No governance issues or exceptions are noted within the content provided.

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

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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).

1. Name and Address of Reporting Person^*

Howell Heather V

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

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		138.41	A	$72.25	8,668.71(1)	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

Explanation of Responses:

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

	/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).
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