Pricing Log in Create free account
Friday 6 November 2026 Export RBCAA’s income statement to Excel — free account

Republic Bancorp, Inc.

RBCAA Financial Banks Regional

Republic Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $521.3 million, up 3.11% from fiscal 2024.

Revenue
+1.88%
EPS
+4.32%
Free cash flow
−102.3%
Total debt
−57.6%

Quarter to June 2026, against a year earlier

91.55 1.23 −1.33%
Market cap
$1.6B
P/E
13.9×
Fwd P/E
12.6×
Dividend yield
2.11%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.01
Sold, $m 0.44
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — — — — — — — —
Sell 1 — 1 — — — 2 — — — 1 —
Insider Ownership 58.98%

Capital & Financial Ratios $m

Size
Market Cap 1,590.00
Revenue ttm 504.35
Net income ttm 128.00
Free cash flow ttm 136.44
Net debt Q (197.09)
Valuation
P/E 13.93
Forward P/E 12.60
Price / sales 3.61
Forward P/S Powerpack
Price / FCF 13.35
Price / book 1.57
Financial health
Current ratio Q 1.02
Debt / equity Q 0.14
Interest coverage Q —
Growth
Revenue growth Q +1.88% (above 0%: growing)
Operating income growth Q +5.35% (above 0%: growing)
EPS, this year +6.32%
EPS, next year A +0.42%
Revenue, next year A −19.09% (below 0%: weak)
EPS, past 5 yrs +10.99%
EPS, next 5 yrs A +4.16%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 70.70%
10-year low 10-year high
P/S against its own 10 years 96.92%
10-year low 10-year high
P/B against its own 10 years 96.92%
10-year low 10-year high

Dividends raised every year since 2017

Yield
2.11%
Annual rate
1.94
Payout ratio
29.6%
Growth, 2017–25
+9.56%/yr
  1. 0.87 ’17
  2. 0.97 ’18 +11
  3. 1.06 ’19 +9
  4. 1.14 ’20 +8
  5. 1.23 ’21 +8
  6. 1.36 ’22 +11
  7. 1.50 ’23 +10
  8. 1.63 ’24 +9
  9. 1.80 ’25 +11
  10. 1.98 ’26e +10
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 317 432 220 354
Receivables — — — —
Inventory — — — —
Other — — — —
5,502 5,812 5,698 5,735
2023 2024 2025 Q'26
Payables 5,053 5,211 5,203 5,552
ST’ Debt — — — —
Other — — — —
5,151 5,314 5,292 5,620

Compound Annual Growth %

10y 5y 3y
Sales 10.60% 8.97% 16.00%
Cash Flow 12.89% 17.40% 2.81%
Earnings 14.08% 9.54% 12.96%
Book Value 6.70% 6.01% 8.77%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.66 Actual 1.59

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 1.38 1.52 Beat by 0.14
Q4 FY25 1.30 1.17 Miss by 0.13
Q2 FY26 1.55 1.68 Beat by 0.13
Q3 FY26 1.66 1.59 Miss by 0.07
Q4 FY26 1.73 — Reports 29 January 2027

EPS $

Mar Jun Sep Dec Year
’26 2.18 1.68 — — —
’25 2.42 1.61 1.52 1.17 6.72
’24 1.58 1.30 1.37 0.98 5.21
’23 1.42 1.07 1.10 1.01 4.62
’22 1.40 1.20 0.99 0.94 4.59
’21 0.97 1.16 0.99 0.84 4.24
’20 1.28 0.76 0.98 0.98 3.99
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 144 122 — — —
’25 163 120 120 119 521
’24 154 116 118 117 506
’23 123 99 100 106 428
’22 95 83 76 80 334
’21 99 73 73 70 315
’20 112 73 75 80 339
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 73 1 — — —
’25 89 8 37 33 168
’24 71 4 51 23 149
’23 71 (6) 21 22 109
’22 81 14 40 20 155
’21 17 39 41 4 100
’20 28 13 21 13 75
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 68 0 — — —
’25 87 5 35 34 161
’24 69 3 50 22 143
’23 69 (8) 20 21 102
’22 81 12 39 19 151
’21 16 36 40 3 95
’20 28 12 20 13 73
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 232 277 320 356 339 315 334 428 506 521 504 +9.4% 422 441 460 (4.1%)
Gross margin, % 92.25 92.69 90.57 87.42 94.12 98.20 97.76 84.26 76.10 80.08 81.19 (12.2) pt
EBT 69 78 94 113 103 111 117 113 128 166 163 +10.2%
EBT margin, % 29.79 28.28 29.49 31.81 30.25 35.38 34.98 26.48 25.26 31.79 32.38 +2.0 pt
Net income 46 46 78 92 83 88 91 90 101 131 128 +12.4%
Per share, $
Per share, $ Revenue 11.05 13.25 15.25 16.93 16.13 15.23 16.67 21.60 25.73 26.53 25.35 +10.2%
Earnings 2.22 2.21 3.76 4.41 4.00 4.25 4.60 4.64 5.24 6.74 6.57 +13.1%
Cash flow 2.28 3.72 5.69 5.00 3.59 4.85 7.73 5.48 7.58 8.56 7.28 +15.9%
Capex (0.34) (0.59) (0.43) (0.57) (0.13) (0.25) (0.17) (0.35) (0.30) (0.36) (0.42) +0.8%
Free cash flow 1.94 3.13 5.26 4.43 3.46 4.60 7.55 5.14 7.29 8.20 6.86 +17.4%
Book value 28.86 30.23 32.92 36.35 39.13 40.39 42.75 46.12 50.48 56.10 58.15 +7.7%
Shares, m 21 21 21 21 21 21 20 20 20 20 20 (0.7%)
Valuation, ×
Valuation, × P/E 18.05 17.55 10.35 10.66 9.00 12.84 9.05 11.92 13.28 10.22 13.93 12.3
P/S 3.61 2.90 2.54 2.76 2.24 3.34 2.46 2.54 2.72 2.60 3.61 2.8
P/B 1.38 1.27 1.18 1.29 0.92 1.26 0.96 1.19 1.38 1.23 1.57 1.2
EV/Sales 6.00 4.63 4.10 3.91 1.62 1.01 1.80 2.69 2.64 3.15 — 3.2
EV/FCF 34.19 19.63 11.90 14.91 7.55 3.36 3.98 11.33 9.33 10.19 — 12.6
Cash, $m
Cash, $m Operating cash flow 48 78 119 105 75 100 155 109 149 168 145 +15.0%
Capex (7) (12) (9) (12) (3) (5) (4) (7) (6) (7) (8) +0.1%
Free cash flow 41 65 110 93 73 95 151 102 143 161 136 +16.5%
Balance, $m
Balance, $m Working capital 748 650 838 853 345 111 23 351 498 407 114 (6.5%)
Net debt 554 479 500 406 (209) (732) (219) 63 (37) 286 (197) (7.1%)
Shareholders’ equity 604 632 690 764 823 835 857 913 992 1,102 1,157 +6.9%
Returns, %
Returns, % ROA 1.01 0.92 1.51 1.69 1.41 1.43 1.53 1.45 1.51 1.89 1.82 +0.9 pt
ROIC 3.72 4.41 4.95 6.05 10.45 67.57 11.45 7.39 8.36 7.46 10.63 +3.7 pt
ROE 7.77 7.38 11.77 12.61 10.49 10.57 10.77 10.22 10.64 12.54 11.55 +4.8 pt
People
People Employees 954 1,009 1,064 1,092 1,094 1,054 1,012 1,028 999 983 — +0.3%
Revenue/emp, $m 0.24 0.27 0.30 0.33 0.31 0.30 0.33 0.42 0.51 0.53 — +9.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Republic Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HOPE Hope Bancorp, Inc. $1.7B 13.1× 13.1× +2.73% (above 0%: growing) +218.18% (above 0%: growing) +727.66% (above 0%: growing) 58.92% 0.00% Compare
QCRH QCR Holdings, Inc. $1.7B 11.9× 11.6× +5.68% (above 0%: growing) +28.65% (above 0%: growing) +1,791.78% (above 0%: growing) 64.70% 0.00% Compare
NBHC National Bank Holdings Corporation $1.6B 29.6× 20.5× +18.27% (above 0%: growing) n/m +33.48% (above 0%: growing) 69.90% 0.00% Compare
BFC Bank First National Corporation $1.6B 19.3× 17.0× +44.08% (above 0%: growing) +29.24% (above 0%: growing) +152.03% (above 0%: growing) 75.87% 0.00% Compare
CNOB ConnectOne Bancorp, Inc. $1.6B 11.3× 10.8× −10.37% (below 0%: shrinking) −24.36% (below 0%: shrinking) +162.97% (above 0%: growing) 55.38% 0.00% Compare
RBCAA Republic Bancorp, Inc. $1.6B 13.9× 12.6× +1.88% (above 0%: growing) +4.32% (above 0%: growing) −102.32% (below 0%: shrinking) 82.94% 0.00%
CASH Pathward Financial, Inc. $1.6B 9.4× 9.2× −2.04% (below 0%: shrinking) +9.41% (above 0%: growing) +20.54% (above 0%: growing) 99.33% 0.00% Compare
AVAL Grupo Aval Acciones y Valores S.A. $1.6B 10.5× — +74.54% (above 0%: growing) +30.00% (above 0%: growing) +884.01% (above 0%: growing) 46.31% 0.00% Compare
LOB Live Oak Bancshares, Inc. $1.6B 11.7× 12.7× +16.97% (above 0%: growing) +1.25% (above 0%: growing) +92.37% (above 0%: growing) 58.14% 0.00% Compare
Median of peers $1.6B 11.8× 12.7× +11.32% +28.65% +157.50% 61.81% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 13 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.02m 1.02m 220.76
2024 907.53k 907.53k 173.98
2023 736.39k 736.39k 133.55
2022 804.35k 804.35k 95.83
2021 664.05k 664.05k 115.37
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Republic Bancorp, Inc. (RBCAA) Latest News

25 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · Business Wire
Impact 3 · · StockStory
Impact 3 ·
Impact 3 · · Associated Press earnings

22 Oct

Impact 3 · · Zacks

14 Oct

Impact 3 · · StockStory

9 Sep

Impact 3 ·

26 Jul

Impact 3 ·

16 Jun

Impact 3 ·

23 Apr

Impact 4 · · StockStory
Impact 3 · · Business Wire

17 Feb

Impact 4 · · StockStory

31 Jan

Impact 3 · · Simply Wall St.

30 Jan

Impact 4 · · StockStory
Impact 4 · · Business Wire
Impact 3 ·
Impact 3 · · Associated Press Finance

29 Jan

Impact 3 ·

25 Jan

Impact 3 · · Simply Wall St.

21 Jan

Impact 4 · · Business Wire

14 Jan

Impact 4 ·

11 Jan

Impact 4 · · Simply Wall St.

17 Dec

Impact 3 · · Business WireStockStoryStockStoryZacksAfroTechStockStoryMT NewswiresZacks

16 Dec

Impact 3 · · StockStoryStockStoryStockStoryStockStoryStockStoryStockStoryStockStoryStockStory

15 Dec

Impact 4 · · Simply Wall St.

10 Dec

Impact 3 · · Business Wire

8 Dec

Impact 3 · · Simply Wall St.

7 Dec

Impact 3 · · StockStory

3 Dec

Impact 3 ·
stockrow.com/RBCAA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com