Republic Bancorp Inc /Ky/
RBCAA Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$92.11
KIRA · Stoqly’s AI analyst, in plain words
- Republic Bancorp Inc /Ky/ had $417M of revenue in fiscal 2025, up 8.5% on the year before. Over five years, revenue changed +5.5% a year on average.
- Republic Bancorp Inc /Ky/ made $131M of net profit in fiscal 2025.
- Republic Bancorp Inc /Ky/ returned $33.9M to shareholders in fiscal 2025, 21% of free cash flow. The diluted share count rose 0.4%.
- It earned 12.5% on shareholders’ money. Running costs took 52.7% of revenue (the efficiency ratio; lower is better).
Market cap
$1.8B
P/E
—
Revenue
$417M
Net income
$131M
Return on equity
12.5%
Efficiency ratio
52.7%
Republic Bancorp Inc /Ky/ in 30 seconds · fiscal 2025
Are sales growing?
+8.5%
Yes. Sales grew 8.5% last year.
Does it make a profit?
31.5%
Yes. It keeps 31.5% of every sale as profit.
How lean are its costs?
52.7%
Lean. Running costs take 52.7% of revenue.
How much does it earn on its capital?
12.5%
Good. It earns 12.5% a year on shareholders’ money.
What Republic Bancorp Inc /Ky/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- REPUBLIC BANCORP INC /KY/
- CIK
- 0000921557
Republic Bancorp Inc /Ky/ · RBCAA
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $309M | $327M | $360M | $385M | $417M |
| Revenue growth | −3.1% | 5.6% | 10.3% | 6.8% | 8.5% |
| Net interest income | $223M | $237M | $289M | $312M | $335M |
| Net income | $87.6M | $91.1M | $90.4M | $101M | $131M |
| Net margin | 28.3% | 27.9% | 25.1% | 26.3% | 31.5% |
| Cash | |||||
| Cash from operations | $100M | $155M | $109M | $149M | $168M |
| Capital expenditure | $5.8M | $3.5M | $6.9M | $5.8M | $7.1M |
| Free cash flow | $94.5M | $151M | $102M | $143M | $161M |
| FCF margin | 30.5% | 46.3% | 28.2% | 37.2% | 38.6% |
| Dividends paid | $24.7M | $26.1M | $28.4M | $30.5M | $33.9M |
| Share buybacks | $47.5M | $12.6M | $20.3M | — | $0.1M |
| Share count change | −1.5% | −3.2% | −1.2% | −0.6% | 0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $757M | $314M | $317M | $432M | $220M |
| Loans, net | $4.4B | — | — | — | — |
| Shareholders' equity | $835M | $857M | $913M | $992M | $1.1B |
| Returns and quality | |||||
| Return on equity | 10.6% | 10.8% | 10.2% | 10.6% | 12.5% |
| Return on tangible equity | 10.8% | 11.0% | 10.4% | 10.7% | 12.4% |
| Efficiency ratio | 59.2% | 57.4% | 55.4% | 52.7% | 52.7% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.4M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Republic Bancorp Inc /Ky/ · RBCAA
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $92.11 a share, the company is worth $1.8B.
Source: SEC EDGAR XBRL filings (CIK 0000921557). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.