Saturday 17 October 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. In the quarter to June 2026, revenue grew 1.88%, EPS grew 4.32%, free cash flow fell 102.3% and total debt fell 57.6%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three; insiders bought in the last twelve months.
92.39
0.63
+0.69%
Follow RBCAA
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.05 | 17.55 | 10.35 | 10.66 | 9.00 | 12.84 | 9.05 | 11.92 | 13.28 | 10.22 |
Piotroski F-Score |
7 | 7 | 6 | 6 | 4 | 7 | 6 | 6 | 8 | 6 |
P/S ratio |
3.61 | 2.90 | 2.54 | 2.76 | 2.24 | 3.34 | 2.46 | 2.54 | 2.72 | 2.60 |
P/FCF ratio |
20.55 | 12.30 | 7.37 | 10.56 | 10.43 | 11.05 | 5.43 | 10.70 | 9.59 | 8.41 |
P/Operating CF |
89.75 | 77.90 | 24.22 | 21.74 | 56.68 | 274.66 | 41.05 | 48.84 | 60.94 | 40.72 |
P/B ratio |
1.38 | 1.27 | 1.18 | 1.29 | 0.92 | 1.26 | 0.96 | 1.19 | 1.38 | 1.23 |
Price to Tangible BV |
1.42 | 1.31 | 1.20 | 1.32 | 0.94 | 1.28 | 0.98 | 1.25 | 1.44 | 1.28 |
EV/Sales |
6.00 | 4.63 | 4.10 | 3.91 | 1.62 | 1.01 | 1.80 | 2.69 | 2.64 | 3.15 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
29.15 | 16.50 | 11.00 | 13.21 | 7.29 | 3.18 | 3.89 | 10.61 | 8.97 | 9.76 |
EV/FCF |
34.19 | 19.63 | 11.90 | 14.91 | 7.55 | 3.36 | 3.98 | 11.33 | 9.33 | 10.19 |
Quick Ratio |
0.09 | 0.08 | 0.10 | 0.10 | 0.10 | 0.15 | 0.07 | 0.06 | 0.08 | 0.04 |
Current Ratio |
1.22 | 1.18 | 1.23 | 1.22 | 1.07 | 1.02 | 1.00 | 1.07 | 1.09 | 1.08 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
17.52% | 15.31% | 16.24% | 14.08% | 4.48% | 0.41% | 1.63% | 5.76% | 5.77% | 7.19% |
Debt/Equity |
1.40 | 1.23 | 1.23 | 1.04 | 0.34 | 0.03 | 0.11 | 0.42 | 0.40 | 0.46 |
Asset Turnover |
0.05 | 0.06 | 0.06 | 0.07 | 0.06 | 0.05 | 0.06 | 0.07 | 0.08 | 0.08 |
Operating CF/Net income |
1.04 | 1.70 | 1.53 | 1.15 | 0.91 | 1.14 | 1.70 | 1.20 | 1.47 | 1.28 |
Capex/Depreciation |
(1.01) | (3.22) | (1.23) | (1.47) | (0.75) | (1.79) | (0.32) | (0.67) | (0.51) | (0.57) |
| 7.77% | 7.38% | 11.77% | 12.61% | 10.49% | 10.57% | 10.77% | 10.22% | 10.64% | 12.54% | |
| 1.01% | 0.92% | 1.51% | 1.69% | 1.41% | 1.43% | 1.53% | 1.45% | 1.51% | 1.89% | |
ROIC |
3.72% | 4.41% | 4.95% | 6.05% | 10.45% | 67.57% | 11.45% | 7.39% | 8.36% | 7.46% |
Return on Tangible Assets |
5.82% | 6.58% | 8.84% | 10.20% | 21.65% | 59.67% | 164.36% | 23.52% | 19.11% | 29.67% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
62.46% | 64.41% | 61.08% | 55.62% | 63.88% | 62.82% | 62.77% | 57.27% | 50.84% | 48.30% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.52% | 0.48% | 0.52% | 0.45% | 0.55% | 0.82% | 0.89% | 0.64% | 0.56% | 0.60% |
Graham Net Nets |
(0.16) | (0.21) | (0.09) | (0.05) | (0.07) | (0.02) | (0.24) | (0.17) | (0.03) | (0.18) |
Graham Number |
37.88 | 38.59 | 52.63 | 59.92 | 59.42 | 59.99 | 66.01 | 69.16 | 77.30 | 92.30 |
Earnings Yield |
5.54% | 5.70% | 9.66% | 9.38% | 11.12% | 7.79% | 11.05% | 8.39% | 7.53% | 9.78% |
Free Cash Flow Yield |
4.87% | 8.13% | 13.57% | 9.47% | 9.59% | 9.05% | 18.42% | 9.34% | 10.43% | 11.88% |
Revenue per Share |
11.05 | 13.25 | 15.25 | 16.93 | 16.13 | 15.23 | 16.67 | 21.60 | 25.73 | 26.53 |
Operating CF per Share |
2.28 | 3.72 | 5.69 | 5.00 | 3.59 | 4.85 | 7.73 | 5.48 | 7.58 | 8.56 |
Capex per Share |
(0.34) | (0.59) | (0.43) | (0.57) | (0.13) | (0.25) | (0.17) | (0.35) | (0.30) | (0.36) |
Free Cash Flow per Share |
1.94 | 3.13 | 5.26 | 4.43 | 3.46 | 4.60 | 7.55 | 5.14 | 7.29 | 8.20 |
Cash per Share |
13.81 | 14.31 | 16.77 | 18.33 | 23.08 | 36.61 | 15.66 | 15.99 | 21.99 | 11.19 |
Shareholders Equity per Share |
28.86 | 30.23 | 32.92 | 36.35 | 39.13 | 40.39 | 42.75 | 46.12 | 50.48 | 56.10 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
28.86 | 30.23 | 32.92 | 36.35 | 39.13 | 40.39 | 42.75 | 46.12 | 50.48 | 56.10 |
Free Cash Flow |
40.64 | 65.39 | 110.16 | 93.21 | 72.74 | 95.11 | 151.29 | 101.64 | 143.19 | 161.11 |
Working Capital |
748.17 | 650.43 | 837.70 | 852.95 | 345.06 | 110.75 | 23.45 | 350.75 | 498.16 | 406.65 |
Capital Expenditures |
(7.03) | (12.38) | (9.06) | (11.97) | (2.69) | (5.15) | (3.50) | (6.90) | (5.81) | (7.10) |
Net Current Asset Value |
(129.57) | (165.33) | (73.63) | (49.50) | (55.74) | (17.54) | (200.67) | (180.60) | (42.61) | (241.47) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.04 | 0.03 | 0.03 | 0.01 | 0.02 | 0.01 | 0.02 | 0.01 | 0.01 |
Price to Operating Income |
12.11 | 10.26 | 8.61 | 8.69 | 7.39 | 9.43 | 7.03 | 9.43 | 10.75 | 8.18 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.17 | 0.09 | 0.17 | 0.18 | 0.09 | 0.08 | 0.34 | 0.31 | 0.35 | 0.35 |
Cash ROIC |
2.34% | 3.82% | 5.82% | 4.80% | 4.59% | 5.88% | 11.96% | 6.32% | 7.87% | 8.81% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
64,313.33 | 61,857.18 | 41,878.06 | 30,875.46 | 86,627.44 | 311,745.56 | 221,048.10 | 27,411.82 | 15,739.62 | 18,288.65 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,824.08 | 3,296.93 | 3,444.65 | 3,621.08 | 4,259.59 | 4,786.25 | 4,688.58 | 4,795.50 | 5,131.85 | 5,206.85 |
Average Assets |
4,523.30 | 4,950.84 | 5,162.88 | 5,430.36 | 5,894.32 | 6,130.98 | 5,964.59 | 6,215.22 | 6,720.78 | 6,944.36 |
Average Common Equity |
590.48 | 618.42 | 661.18 | 727.09 | 793.78 | 829.19 | 845.83 | 884.68 | 952.39 | 1,047.16 |
Columns are period end dates