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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%
Market cap
$1.6B
P/E
14.1×
Fwd P/E
12.4×
Dividend yield
2.10%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.01
Total sells 0.36
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — 1 — — — — — — — —
Sell — 1 — 1 — — — 2 — — — —
Insider Ownership 58.93%

Capital & Financial Ratios $m

Market Cap 1,610.00
Revenue 504.35
Net Income 128.00
Free Cash Flow 136.44
Net Debt (197.09)
Current Ratio 1.02
Debt/Equity 0.14
P/E ratio 14.06
Fwd P/E 12.40
P/S ratio 3.64
P/B ratio 1.59
Past 5Y EPS Growth 10.99%
This Y EPS Growth 3.65%
Next Y EPS Growth (0.93%) (below 0%: weak)
Next Y revenue growth (20.32%) (below 0%: weak)
Next 5Y EPS Growth 6.23%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 71.80%
10-year low 10-year high
P/S against its own 10 years 97.60%
10-year low 10-year high
P/B against its own 10 years 97.90%
10-year low 10-year high

Dividends

Payout Ratio 0.30
Annual Dividend Rate 1.94
Annual Dividend Yield 2.10%
total individual payouts
2027 Powerpack
2026 1.98
0.50
0.50
0.50
2025 1.80
0.45
0.45
0.45
0.45
2024 1.63
0.41
0.41
0.41
0.41
2023 1.50
0.37
0.37
0.37
0.37
2022 1.36
0.34
0.34
0.34
0.34
2021 1.23
0.31
0.31
0.31
0.31
2020 1.14
0.29
0.29
0.29
0.29
2019 1.06
0.26
0.26
0.26
0.26
2018 0.97
0.24
0.24
0.24
0.24
2017 0.87
0.21
0.22
0.22
0.22
2016 0.83
0.20
0.21
0.21
0.21
predictions special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 23.00 31.97 34.24 37.78 27.05 35.48 38.17 37.23 46.55 56.79

Analyst estimates 2026–2028

Powerpack
High 40.74 44.04 50.70 52.68 47.17 57.62 52.63 57.54 80.68 78.25
People
People Employees 954 1,009 1,064 1,092 1,094 1,054 1,012 1,028 999 983
Revenue/emp, $m 0.24 0.27 0.30 0.33 0.31 0.30 0.33 0.42 0.51 0.53
Income, $m
Income, $m Revenue 232 277 320 356 339 315 334 428 506 521
Gross margin, % 92.25 92.69 90.57 87.42 94.12 98.20 97.76 84.26 76.10 80.08
EBT 69 78 94 113 103 111 117 113 128 166
EBT margin, % 29.79 28.28 29.49 31.81 30.25 35.38 34.98 26.48 25.26 31.79
Net income 46 46 78 92 83 88 91 90 101 131
Depreciation 7 4 7 8 4 3 11 10 11 12
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
Earnings 2.22 2.21 3.76 4.41 4.00 4.25 4.60 4.64 5.24 6.74
Cash flow 2.28 3.72 5.69 5.00 3.59 4.85 7.73 5.48 7.58 8.56
Capex (0.34) (0.59) (0.43) (0.57) (0.13) (0.25) (0.17) (0.35) (0.30) (0.36)
Free cash flow 1.94 3.13 5.26 4.43 3.46 4.60 7.55 5.14 7.29 8.20
Book value 28.86 30.23 32.92 36.35 39.13 40.39 42.75 46.12 50.48 56.10
Shares, m 21 21 21 21 21 21 20 20 20 20
Valuation, ×
Valuation, × P/E 18.05 17.55 10.35 10.66 9.00 12.84 9.05 11.92 13.28 10.22
P/S 3.61 2.90 2.54 2.76 2.24 3.34 2.46 2.54 2.72 2.60
P/B 1.38 1.27 1.18 1.29 0.92 1.26 0.96 1.19 1.38 1.23
EV/Sales 6.00 4.63 4.10 3.91 1.62 1.01 1.80 2.69 2.64 3.15
EV/FCF 34.19 19.63 11.90 14.91 7.55 3.36 3.98 11.33 9.33 10.19
Cash, $m
Cash, $m Operating cash flow 48 78 119 105 75 100 155 109 149 168
Capex (7) (12) (9) (12) (3) (5) (4) (7) (6) (7)
Free cash flow 41 65 110 93 73 95 151 102 143 161
Balance, $m
Balance, $m Working capital 748 650 838 853 345 111 23 351 498 407
Total debt 844 779 851 791 276 25 95 380 395 506
Net debt 554 479 500 406 (209) (732) (219) 63 (37) 286
Shareholders’ equity 604 632 690 764 823 835 857 913 992 1,102
Returns, %
Returns, % ROA 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
ROE 7.77 7.38 11.77 12.61 10.49 10.57 10.77 10.22 10.64 12.54
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
BY Byline Bancorp, Inc. $1.7B 11.2× 10.4× +1.37% (above 0%: growing) +36.36% (above 0%: growing) −32.50% (below 0%: shrinking) 73.03% 0.00% Compare
FSUN FirstSun Capital Bancorp $1.7B 19.0× 15.3× +88.18% (above 0%: growing) n/m +8,383.96% (above 0%: growing) 67.96% 0.00% Compare
TCBK TriCo Bancshares $1.7B 12.4× 12.0× +4.33% (above 0%: growing) +27.38% (above 0%: growing) −17.30% (below 0%: shrinking) 80.35% 0.00% Compare
BFC Bank First National Corporation $1.6B 19.2× 15.0× +44.08% (above 0%: growing) +29.24% (above 0%: growing) +152.03% (above 0%: growing) 75.87% 0.00% Compare
LOB Live Oak Bancshares, Inc. $1.6B 12.1× 12.7× +6.98% (above 0%: growing) +47.06% (above 0%: growing) −45.86% (below 0%: shrinking) 57.30% 0.00% Compare
QCRH QCR Holdings, Inc. $1.6B 11.6× 11.5× +5.68% (above 0%: growing) +28.65% (above 0%: growing) +1,791.78% (above 0%: growing) 64.70% 0.00% Compare
RBCAA Republic Bancorp, Inc. $1.6B 14.1× 12.4× +1.88% (above 0%: growing) +4.32% (above 0%: growing) −102.32% (below 0%: shrinking) 82.94% 0.00%
OBK Origin Bancorp, Inc. $1.6B 16.0× 12.2× +11.11% (above 0%: growing) +134.04% (above 0%: growing) +57.26% (above 0%: growing) 71.20% 0.00% Compare
OCFC OceanFirst Financial Corp. $1.6B 18.6× 18.0× +32.21% (above 0%: growing) n/m +27.08% (above 0%: growing) 59.64% 0.00% Compare
Median of peers $1.6B 14.2× 12.5× +9.05% +32.80% +42.17% 69.58% 0.00%

All 323 Banks Regional stocks →

Republic Bancorp, Inc. (RBCAA) key facts

  • Strength: Republic Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $521.3 million, up 3.11% from fiscal 2024.
  • Strength: Net income was $131.3 million, or $6.74 per share (basic), a net margin of 25.2%.
  • Republic Bancorp, Inc. (RBCAA) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, RBCAA traded at $92.39, a market capitalization of $1.6 billion.
  • At that price the stock trades at 14.1× trailing-twelve-month earnings and 3.6× sales; its P/E is higher than 72% of its own readings over the past ten years.
  • Republic Bancorp, Inc. pays an annual dividend of $1.94 per share, a yield of 2.10%, with a payout ratio of 29.6%.
  • Return on equity was 12.5% and debt-to-equity 0.14.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Republic Bancorp, Inc. (RBCAA) Latest News

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