1.Sales and profit
See section →- 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/
RBCAA Nasdaq State Commercial Banks Financials FY2016–FY2025
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.
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3-page PDF: the company, its results and charts with peers.
Last close · Oct 23, 2026
$91.60
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KIRA’s summary AI analyst
Hi! I read Republic Bancorp Inc /Ky/’s latest annual report (fiscal 2025). Here is what stands out:
3 strengths
2.Cash and shareholders
See section →- Republic Bancorp Inc /Ky/ returned $33.9M to shareholders in fiscal 2025, 21% of free cash flow. The diluted share count rose 0.4%.
- No open-market insider trades in the last 12 months.
3.Financial health
See section →- It earned 12.5% on shareholders’ money. Running costs took 52.7% of revenue (the efficiency ratio; lower is better).
Republic Bancorp Inc /Ky/ in 30 seconds
Good So-so Weak
Good
Are sales growing?
+8.5%
Yes. Sales grew 8.5% last year.
Good
Does it make a profit?
31.5%
Yes. It keeps 31.5% of every sale as profit.
Good
How lean are its costs?
52.7%
Lean. Running costs take 52.7% of revenue.
Good
How much does it earn on its capital?
12.5%
Good. It earns 12.5% a year on shareholders’ money.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Key numbers, fiscal 2025
Market cap
Last close times the latest diluted share count, so it is approximate.
$1.8B
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
Sales and profit
Is it selling more, and how much does it keep?
Results dates
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Republic Bancorp Inc /Ky/ did it, and the next one. Share prices often move a lot on those days.
Next results
January 29, 2027
Friday · in 96 days
- Time
- Before the market opens
- Covers
- Period ended Dec 31, 2026
- Source
- Stoqly estimate
Estimated from the same quarter last year. It will be replaced by the announced date once there is one.
| Date | Results for | Time | Source |
|---|---|---|---|
| Oct 23, 2026 | Period ended Sep 30, 2026 | Before the market opens | 8-K ↗ |
| Jul 24, 2026 | Q2 '26 | Before the market opens | 8-K ↗ |
| Apr 23, 2026 | Q1 '26 | Before the market opens | 8-K ↗ |
| Jan 30, 2026 | Q4 '25 | Before the market opens | 8-K ↗ |
| Oct 17, 2025 | Q3 '25 | Before the market opens | 8-K ↗ |
| Jul 18, 2025 | Q2 '25 | Before the market opens | 8-K ↗ |
| Apr 24, 2025 | Q1 '25 | Before the market opens | 8-K ↗ |
| Jan 24, 2025 | Q4 '24 | Before the market opens | 8-K ↗ |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
Revenue and margins
KIRA · 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.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
FY16
Revenue $214M
FY17
Revenue $257M
FY18
Revenue $289M
FY19
Revenue $311M
FY20
Revenue $319M
FY21
Revenue $309M
FY22
Revenue $327M
FY23
Revenue $360M
FY24
Revenue $385M
FY25
Revenue $417M
Q3 '23
Revenue $79.2M
Q4 '23
Revenue $81.6M
Q1 '24
Revenue $120M
Q2 '24
Revenue $86.9M
Q3 '24
Revenue $88.1M
Q4 '24
Revenue $89.5M
Q1 '25
Revenue $136M
Q2 '25
Revenue $93.8M
Q3 '25
Revenue $93.5M
Q4 '25
Revenue $94.3M
Q1 '26
Revenue $120M
Q2 '26
Revenue $101M
FY16
Net interest share 73.1%
Efficiency ratio 60.9%
FY17
Net interest share 77.3%
Efficiency ratio 58.7%
FY18
Net interest share 78.1%
Efficiency ratio 56.6%
FY19
Net interest share 75.9%
Efficiency ratio 55.3%
FY20
Net interest share 72.7%
Efficiency ratio 58.1%
FY21
Net interest share 72.0%
Efficiency ratio 59.2%
FY22
Net interest share 72.5%
Efficiency ratio 57.4%
FY23
Net interest share 80.2%
Efficiency ratio 55.4%
FY24
Net interest share 81.1%
Efficiency ratio 52.7%
FY25
Net interest share 80.2%
Efficiency ratio 52.7%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 81.9%
Efficiency ratio 61.1%
Q4 '23
Net interest share 81.9%
Efficiency ratio 57.7%
Q1 '24
Net interest share 80.6%
Efficiency ratio 42.4%
Q2 '24
Net interest share 78.9%
Efficiency ratio 57.1%
Q3 '24
Net interest share 80.9%
Efficiency ratio 55.2%
Q4 '24
Net interest share 84.2%
Efficiency ratio 59.8%
Q1 '25
Net interest share 75.6%
Efficiency ratio 42.8%
Q2 '25
Net interest share 81.2%
Efficiency ratio 55.0%
Q3 '25
Net interest share 82.3%
Efficiency ratio 57.5%
Q4 '25
Net interest share 83.6%
Efficiency ratio 60.0%
Q1 '26
Net interest share 75.1%
Efficiency ratio 45.9%
Q2 '26
Net interest share 80.7%
Efficiency ratio 52.9%
Net interest share
Efficiency ratio
Net income and earnings per share
KIRA · Republic Bancorp Inc /Ky/ made $131M of net profit in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
FY16
Net income $45.9M
FY17
Net income $45.6M
FY18
Net income $77.9M
FY19
Net income $91.7M
FY20
Net income $83.2M
FY21
Net income $87.6M
FY22
Net income $91.1M
FY23
Net income $90.4M
FY24
Net income $101M
FY25
Net income $131M
Q3 '23
Net income $21.6M
Q4 '23
Net income $19.7M
Q1 '24
Net income $30.6M
Q2 '24
Net income $25.2M
Q3 '24
Net income $26.5M
Q4 '24
Net income $19.0M
Q1 '25
Net income $47.3M
Q2 '25
Net income $31.5M
Q3 '25
Net income $29.7M
Q4 '25
Net income $22.8M
Q1 '26
Net income $42.6M
Q2 '26
Net income $32.9M
FY16
Diluted EPS —
FY17
Diluted EPS —
FY18
Diluted EPS —
FY19
Diluted EPS —
FY20
Diluted EPS —
FY21
Diluted EPS —
FY22
Diluted EPS —
FY23
Diluted EPS —
FY24
Diluted EPS —
FY25
Diluted EPS —
Cash and shareholders
How much cash comes in, and where does it go?
Dividends, buybacks and share count
KIRA · Republic Bancorp Inc /Ky/ returned $33.9M to shareholders in fiscal 2025, 21% of free cash flow. The diluted share count rose 0.4%.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
FY16
Dividends $16.8M
Buybacks $1.2M
FY17
Dividends $17.7M
Buybacks $1.0M
FY18
Dividends $19.5M
Buybacks $0.8M
FY19
Dividends $21.4M
Buybacks $1.4M
FY20
Dividends $23.2M
Buybacks $3.9M
FY21
Dividends $24.7M
Buybacks $47.5M
FY22
Dividends $26.1M
Buybacks $12.6M
FY23
Dividends $28.4M
Buybacks $20.3M
FY24
Dividends $30.5M
Buybacks —
FY25
Dividends $33.9M
Buybacks $0.1M
Dividends
Buybacks
Q3 '23
Dividends $7.3M
Buybacks $9.4M
Q4 '23
Dividends $7.2M
Buybacks $4.2M
Q1 '24
Dividends $7.1M
Buybacks —
Q2 '24
Dividends $7.8M
Buybacks —
Q3 '24
Dividends $7.8M
Buybacks —
Q4 '24
Dividends $7.8M
Buybacks —
Q1 '25
Dividends $7.8M
Buybacks —
Q2 '25
Dividends $8.7M
Buybacks —
Q3 '25
Dividends $8.7M
Buybacks $0.0M
Q4 '25
Dividends $8.7M
Buybacks $0.0M
Q1 '26
Dividends $8.7M
Buybacks —
Q2 '26
Dividends $9.6M
Buybacks —
Dividends
Buybacks
FY16
Diluted shares 0.02B
FY17
Diluted shares 0.02B
FY18
Diluted shares 0.02B
FY19
Diluted shares 0.02B
FY20
Diluted shares 0.02B
FY21
Diluted shares 0.02B
FY22
Diluted shares 0.02B
FY23
Diluted shares 0.02B
FY24
Diluted shares 0.02B
FY25
Diluted shares 0.02B
Insider trades
KIRA · No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Financial health
Can it carry its debts, and how well does it use its money?
Balance sheet
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
FY16
Loans $3.8B
Deposits —
FY17
Loans $4.0B
Deposits —
FY18
Loans $4.1B
Deposits —
FY19
Loans $4.4B
Deposits —
FY20
Loans $4.8B
Deposits —
FY21
Loans $4.4B
Deposits —
FY22
Loans —
Deposits —
FY23
Loans —
Deposits —
FY24
Loans —
Deposits —
FY25
Loans —
Deposits —
Loans
Deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $4.4B | — | — | — | — |
| Total assets | $6.2B | $5.8B | $6.6B | $6.8B | $7.0B |
| Shareholders' equity | $835M | $857M | $913M | $992M | $1.1B |
| Goodwill | $16.3M | $16.3M | $40.5M | $40.5M | $40.5M |
| Intangible assets | $9.2M | $8.8M | $7.4M | — | — |
| Provision / loans | 0.3% | — | — | — | — |
Returns and efficiency
KIRA · It earned 12.5% on shareholders’ money. Running costs took 52.7% of revenue (the efficiency ratio; lower is better).
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
FY16
ROE 7.6%
ROTE 7.9%
Efficiency ratio 60.9%
FY17
ROE 7.4%
ROTE 7.5%
Efficiency ratio 58.7%
FY18
ROE 11.8%
ROTE 11.6%
Efficiency ratio 56.6%
FY19
ROE 12.6%
ROTE 12.4%
Efficiency ratio 55.3%
FY20
ROE 10.5%
ROTE 10.4%
Efficiency ratio 58.1%
FY21
ROE 10.6%
ROTE 10.8%
Efficiency ratio 59.2%
FY22
ROE 10.8%
ROTE 11.0%
Efficiency ratio 57.4%
FY23
ROE 10.2%
ROTE 10.4%
Efficiency ratio 55.4%
FY24
ROE 10.6%
ROTE 10.7%
Efficiency ratio 52.7%
FY25
ROE 12.5%
ROTE 12.4%
Efficiency ratio 52.7%
ROE
ROTE
Efficiency ratio
All figures
Every number, year by year.
10 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $214M | $257M | $289M | $311M | $319M | $309M | $327M | $360M | $385M | $417M |
| Net interest income | $156M | $199M | $226M | $236M | $232M | $223M | $237M | $289M | $312M | $335M |
| Noninterest income | $57.5M | $58.4M | $63.4M | $75.0M | $87.1M | $86.6M | $89.8M | $71.5M | $72.7M | $82.8M |
| Noninterest expense | $130M | $151M | $164M | $172M | $185M | $183M | $187M | $199M | $203M | $220M |
| Provision for credit losses | $14.5M | $27.7M | $31.4M | $25.8M | $31.3M | $14.8M | $22.3M | $47.6M | $54.4M | $31.6M |
| Interest expense | $17.9M | $20.3M | $30.1M | $44.8M | $19.9M | $5.7M | $7.5M | $67.3M | — | — |
| Pretax income | $69.0M | $78.4M | $94.3M | $113M | $103M | $111M | $117M | $113M | $128M | $166M |
| Income tax | $23.1M | $32.8M | $16.4M | $21.5M | $19.4M | $23.8M | $25.7M | $22.8M | $26.3M | $34.4M |
| Net income | $45.9M | $45.6M | $77.9M | $91.7M | $83.2M | $87.6M | $91.1M | $90.4M | $101M | $131M |
| Diluted shares | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B | 0.02B |
| Cash flow | ||||||||||
| Cash from operations | $47.7M | $77.8M | $119M | $105M | $75.4M | $100M | $155M | $109M | $149M | $168M |
| Capital expenditure | $7.0M | $12.4M | $9.8M | $12.9M | $3.6M | $5.8M | $3.5M | $6.9M | $5.8M | $7.1M |
| Free cash flow | $40.6M | $65.4M | $109M | $92.3M | $71.9M | $94.5M | $151M | $102M | $143M | $161M |
| Depreciation and amortization | $7.3M | $8.5M | $9.3M | $9.2M | $9.7M | $9.0M | $7.6M | $7.1M | $6.9M | $6.7M |
| Stock-based compensation | $1.0M | $1.1M | $1.0M | $1.0M | $1.0M | $1.5M | $1.8M | $1.3M | $1.3M | $2.1M |
| Acquisitions | $9.1M | — | — | — | — | — | — | $41.0M | — | — |
| Share buybacks | $1.2M | $1.0M | $0.8M | $1.4M | $3.9M | $47.5M | $12.6M | $20.3M | — | $0.1M |
| Dividends paid | $16.8M | $17.7M | $19.5M | $21.4M | $23.2M | $24.7M | $26.1M | $28.4M | $30.5M | $33.9M |
| Dividends and buybacks | $18.0M | $18.7M | $20.3M | $22.8M | $27.1M | $72.2M | $38.7M | $48.6M | $30.5M | $33.9M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $289M | $299M | $351M | $385M | $486M | $757M | $314M | $317M | $432M | $220M |
| Loans, net | $3.8B | $4.0B | $4.1B | $4.4B | $4.8B | $4.4B | — | — | — | — |
| Property and equipment, net | $40.5M | $42.6M | $43.1M | $46.2M | $39.5M | $36.1M | $32.0M | $33.4M | $32.3M | $36.0M |
| Goodwill | $16.3M | $16.3M | $16.3M | $16.3M | $16.3M | $16.3M | $16.3M | $40.5M | $40.5M | $40.5M |
| Intangible assets | $5.2M | $5.0M | $4.9M | $5.9M | $7.1M | $9.2M | $8.8M | $7.4M | — | — |
| Total assets | $4.8B | $5.1B | $5.2B | $5.6B | $6.2B | $6.2B | $5.8B | $6.6B | $6.8B | $7.0B |
| Total liabilities | $4.2B | $4.5B | $4.6B | $4.9B | $5.3B | $5.3B | $5.0B | $5.7B | $5.9B | $5.9B |
| Shareholders' equity | $604M | $632M | $690M | $764M | $823M | $835M | $857M | $913M | $992M | $1.1B |
| Margins | ||||||||||
| Net margin | 21.5% | 17.8% | 26.9% | 29.5% | 26.1% | 28.3% | 27.9% | 25.1% | 26.3% | 31.5% |
| FCF margin | 19.0% | 25.5% | 37.8% | 29.7% | 22.5% | 30.5% | 46.3% | 28.2% | 37.2% | 38.6% |
| Net interest share of revenue | 73.1% | 77.3% | 78.1% | 75.9% | 72.7% | 72.0% | 72.5% | 80.2% | 81.1% | 80.2% |
| Efficiency ratio | 60.9% | 58.7% | 56.6% | 55.3% | 58.1% | 59.2% | 57.4% | 55.4% | 52.7% | 52.7% |
| Returns | ||||||||||
| Return on equity | 7.6% | 7.4% | 11.8% | 12.6% | 10.5% | 10.6% | 10.8% | 10.2% | 10.6% | 12.5% |
| Return on assets | 1.0% | 0.9% | 1.5% | 1.7% | 1.4% | 1.4% | 1.5% | 1.5% | 1.5% | 1.9% |
| Return on tangible equity | 7.9% | 7.5% | 11.6% | 12.4% | 10.4% | 10.8% | 11.0% | 10.4% | 10.7% | 12.4% |
| Growth | ||||||||||
| Revenue growth | — | 20.3% | 12.7% | 7.5% | 2.6% | −3.1% | 5.6% | 10.3% | 6.8% | 8.5% |
| Net income growth | — | −0.6% | 70.6% | 17.8% | −9.2% | 5.2% | 4.0% | −0.8% | 12.2% | 29.5% |
| FCF growth | — | 60.9% | 67.3% | −15.6% | −22.2% | 31.5% | 60.1% | −32.8% | 40.9% | 12.5% |
| Share count change | — | 0.3% | 0.3% | 0.3% | −0.3% | −1.5% | −3.2% | −1.2% | −0.6% | 0.4% |
| Financial health | ||||||||||
| Provision / loans | 0.4% | 0.7% | 0.8% | 0.6% | 0.7% | 0.3% | — | — | — | — |
| Capital allocation | ||||||||||
| Capex / revenue | 3.3% | 4.8% | 3.4% | 4.1% | 1.1% | 1.9% | 1.1% | 1.9% | 1.5% | 1.7% |
| Stock comp / revenue | 0.5% | 0.4% | 0.3% | 0.3% | 0.3% | 0.5% | 0.5% | 0.4% | 0.3% | 0.5% |
| Payouts / FCF | 44.2% | 28.6% | 18.6% | 24.7% | 37.8% | 76.5% | 25.6% | 47.8% | 21.3% | 21.1% |
| Quality scores | ||||||||||
| Accruals ratio | −0.0% | −0.6% | −0.8% | −0.2% | 0.1% | −0.2% | −1.1% | −0.3% | −0.7% | −0.5% |
Source: SEC EDGAR XBRL filings (CIK 0000921557). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.