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Republic Bancorp, Inc. (RBCAA)
Financial Services · Banks - Regional · NasdaqGS
Republic Bancorp, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $289.48M | $311.13M | $319.37M | $309.31M | $308.73M | $354.27M | $378.96M | $411.12M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $45.90M | $45.63M | $77.85M | $91.70M | $83.25M | $87.61M | $91.11M | $90.37M | $101.37M | $131.32M |
| Net margin | — | — | 26.9% | 29.5% | 26.1% | 28.3% | 29.5% | 25.5% | 26.7% | 31.9% |
Source: Republic Bancorp, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into RBCAA stock?
At today's market cap of $1.73B, Republic Bancorp, Inc. is priced for free-cash-flow growth of about -0.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $161.11M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 17.5%/yr over the last five fiscal years and revenue 5.2%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Republic Bancorp, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Republic Bancorp, Inc. financial history by metric
About Republic Bancorp, Inc.
Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial, CRE and multi-family, construction and land development, consumer, and aircraft loans; service charges on consumer and commercial deposit accounts, mortgage banking income, debit and credit card interchange fee income, title insurance commissions, and swap fee incomes; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, and automated clearing house processing services; internet banking services and products through its website; mobile banking; and other banking services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; prepaid and debit solutions, such as issuing of payroll, general purpose reloadable cards, issuing of demand deposit accounts, savings accounts and/or debit cards; and consumer credit products; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.
Republic Bancorp, Inc. — frequently asked questions
What is Republic Bancorp, Inc.'s revenue?
Republic Bancorp, Inc. (RBCAA) reported revenue of $411.12M for fiscal year 2025, up 8.5% from the prior year, according to its SEC filings.
Is Republic Bancorp, Inc. profitable?
Yes. RBCAA earned net income of $131.32M in fiscal 2025, a net margin of 31.9%.
What is RBCAA's P/E ratio?
Republic Bancorp, Inc. trades at a price-to-earnings ratio of about 13.6 based on the latest data in our nightly-refreshed cache.
How fast is Republic Bancorp, Inc. growing?
RBCAA's revenue grew at roughly 5.2% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Republic Bancorp, Inc. have?
As of fiscal year 2025, RBCAA carried roughly $506.00M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Republic Bancorp, Inc.'s market cap?
Republic Bancorp, Inc. (RBCAA) has a market capitalization of about $1.73B, based on the latest data in our nightly-refreshed cache.
When does Republic Bancorp, Inc.'s fiscal year end?
RBCAA's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into RBCAA stock?
At today's market cap of $1.73B, Republic Bancorp, Inc. is priced for free-cash-flow growth of about -0.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $161.11M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 17.5%/yr over the last five fiscal years and revenue 5.2%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Republic Bancorp, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.