About Republic Bancorp, Inc.
https://www.republicbank.comRepublic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit.
CEO
Steven E. Trager
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2007-03-21 | Forward | 21:20 |
| 2006-03-22 | Forward | 21:20 |
ETFs Holding This Stock
Summary
Showing Top 3 of 120
Ratings Snapshot
Rating : B+
Price Target
Institutional Ownership
DIMENSIONAL FUND ADVISORS LP
Shares:920.87K
Value:$66.7M
BLACKROCK INC.
Shares:840.65K
Value:$60.89M
BLACKROCK, INC.
Shares:760.53K
Value:$55.09M
Summary
Showing Top 3 of 164
About Republic Bancorp, Inc.
https://www.republicbank.comRepublic Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, money market accounts, savings, individual retirement accounts, time, brokered, and other certificates of deposit.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $118.17M ▼ | $52.11M ▲ | $29.74M ▼ | 25.17% ▼ | $1.39 ▼ | $41.31M ▼ |
| Q2-2025 | $118.36M ▼ | $50.15M ▼ | $31.48M ▼ | 26.6% ▼ | $1.62 ▼ | $43.93M ▼ |
| Q1-2025 | $161.36M ▲ | $56.57M ▲ | $47.27M ▲ | 29.29% ▲ | $2.43 ▲ | $63.84M ▲ |
| Q4-2024 | $115.63M ▼ | $51.92M ▲ | $19.02M ▼ | 16.45% ▼ | $0.97 ▼ | $27.05M ▼ |
| Q3-2024 | $116.82M | $47.07M | $26.54M | 22.72% | $1.37 | $37.09M |
What's going well?
Revenue is very stable, and the company remains solidly profitable with high gross margins. No unusual charges or dilution, and cost increases may reflect investment for future growth.
What's concerning?
Profits and margins are slipping as costs rise faster than sales. Earnings per share fell, and there’s no sign of revenue growth this quarter.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $1.07B ▲ | $7.01B ▲ | $5.93B ▲ | $1.08B ▲ |
| Q2-2025 | $979.56M ▼ | $6.97B ▼ | $5.91B ▼ | $1.06B ▲ |
| Q1-2025 | $1.17B ▲ | $7.08B ▲ | $6.04B ▲ | $1.03B ▲ |
| Q4-2024 | $775.08M ▼ | $6.85B ▲ | $5.85B ▲ | $992.03M ▲ |
| Q3-2024 | $997.78M | $6.69B | $5.71B | $979.71M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $29.74M ▼ | $33.28M ▲ | $-53.88M ▲ | $20.03M ▲ | $-570K ▲ | $30.81M ▲ |
| Q2-2025 | $31.48M ▼ | $8.45M ▼ | $-201.79M ▼ | $-114.87M ▼ | $-308.21M ▼ | $5.17M ▼ |
| Q1-2025 | $47.27M ▲ | $93.19M ▲ | $118.21M ▲ | $149.47M ▼ | $360.87M ▲ | $91.56M ▲ |
| Q4-2024 | $19.02M ▼ | $23.53M ▼ | $-272.46M ▼ | $150.22M ▲ | $-98.71M ▼ | $22.59M ▼ |
| Q3-2024 | $26.54M | $51.27M | $47.58M | $31.96M | $130.81M | $49.77M |
Revenue by Products
| Product | Q4-2024 | Q1-2025 | Q2-2025 | Q3-2025 |
|---|---|---|---|---|
 Credit and Debit Card | $10.00M ▲ | $0 ▼ | $0 ▲ | $0 ▲ |
 Deposit Account | $10.00M ▲ | $0 ▼ | $0 ▲ | $0 ▲ |
 Financial Service Other | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Transfer Agent | $10.00M ▲ | $10.00M ▲ | $0 ▼ | $0 ▲ |
CEO
Steven E. Trager
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2007-03-21 | Forward | 21:20 |
| 2006-03-22 | Forward | 21:20 |
ETFs Holding This Stock
Summary
Showing Top 3 of 120
Ratings Snapshot
Rating : B+
Price Target
Institutional Ownership
DIMENSIONAL FUND ADVISORS LP
Shares:920.87K
Value:$66.7M
BLACKROCK INC.
Shares:840.65K
Value:$60.89M
BLACKROCK, INC.
Shares:760.53K
Value:$55.09M
Summary
Showing Top 3 of 164