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RBCAA

Republic Bancorp, Inc.

RBCAA

Republic Bancorp, Inc. • NASDAQ
$69.01 ▼ -0.04% (-0.03)
Market Cap $1.20 B
52w High $78.25
52w Low $56.79
Dividend Yield 1.76%
P/E 10.58
Volume 9.38K
Outstanding Shares 17.39M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $118.167M ▼ $52.113M ▲ $29.744M ▼ 25.171% ▼ $1.39 ▼ $41.311M ▼
Q2-2025 $118.359M ▼ $50.145M ▼ $31.484M ▼ 26.6% ▼ $1.62 ▼ $43.93M ▼
Q1-2025 $161.356M ▲ $56.572M ▲ $47.268M ▲ 29.294% ▲ $2.43 ▲ $63.838M ▲
Q4-2024 $115.631M ▼ $51.916M ▲ $19.016M ▼ 16.445% ▼ $0.97 ▼ $27.052M ▼
Q3-2024 $116.819M $47.069M $26.543M 22.721% $1.37 $37.089M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.069B ▲ $7.015B ▲ $5.93B ▲ $1.085B ▲
Q2-2025 $979.561M ▼ $6.971B ▼ $5.911B ▼ $1.06B ▲
Q1-2025 $1.175B ▲ $7.076B ▲ $6.041B ▲ $1.034B ▲
Q4-2024 $775.077M ▼ $6.847B ▲ $5.855B ▲ $992.029M ▲
Q3-2024 $997.781M $6.692B $5.713B $979.705M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $0 ▼ $0 ▼ $0 ▲ $0 ▲ $0 ▲ $0 ▼
Q2-2025 $31.484M ▼ $8.449M ▼ $-201.792M ▼ $-114.869M ▼ $-308.212M ▼ $5.169M ▼
Q1-2025 $47.268M ▲ $93.189M ▲ $118.213M ▲ $149.467M ▼ $360.869M ▲ $91.56M ▲
Q4-2024 $19.016M ▼ $23.526M ▼ $-272.46M ▼ $150.22M ▲ $-98.714M ▼ $22.591M ▼
Q3-2024 $26.543M $51.265M $47.577M $31.964M $130.806M $49.769M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Credit and Debit Card
Credit and Debit Card
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Deposit Account
Deposit Account
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Financial Service Other
Financial Service Other
 $0 ▲$0 ▲$0 ▲$0 ▲
Transfer Agent
Transfer Agent
 $10.00M ▲$10.00M ▲$0 ▼$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Republic Bancorp’s income statement shows a steady, conservative growth story rather than big swings. Revenue has climbed over the last few years, and profits have generally followed, with earnings per share moving upward at a measured pace. Margins look reasonably healthy for a regional bank, suggesting the company has decent pricing discipline and cost control. The pattern points to a bank that manages to grow without taking extreme risks, though it also doesn’t appear to be chasing rapid, high‑risk expansion. Overall, profitability looks consistent and resilient through different environments.

Balance Sheet

Balance Sheet The balance sheet looks like a traditional, conservatively run regional bank. Total assets have grown over time, and shareholder equity has steadily increased, which suggests the company is building its capital base rather than stretching it. Cash levels have moved around, likely reflecting normal balance‑sheet management and business mix changes, but they remain meaningful. Debt has risen from earlier levels but appears balanced by higher equity, implying leverage is being used but not in an aggressive way. In simple terms, the bank looks reasonably well‑capitalized and not overly strained.

Cash Flow

Cash Flow Cash generation is solid and fairly stable, with operating cash flow comfortably positive each year. Free cash flow is close to operating cash flow, which reflects the low capital spending needs of a banking business. Investment in physical assets is modest, so most cash generated is available for things like growth initiatives, dividends, or strengthening the balance sheet. There are year‑to‑year fluctuations, but nothing that suggests structural cash flow problems; it resembles a steady, cash‑generative franchise rather than a heavy reinvestment story.

Competitive Edge

Competitive Edge Republic Bancorp occupies a niche‑focused spot in the regional banking world. Beyond standard community and regional banking, it has carved out specialized lines such as payment solutions, small‑dollar credit programs, and warehouse lending to mortgage lenders. These areas can be less crowded and can support better economics than plain‑vanilla banking if managed carefully. The sale of its tax refund processing business reduced one distinctive revenue stream but also simplified the model. The bank’s reputation for conservative lending and resilience in weaker economic periods is a competitive plus, but it also faces ongoing pressure from larger banks, credit unions, and fintechs that can outspend it on technology and marketing.

Innovation and R&D

Innovation and R&D Innovation at Republic Bancorp is deliberate and incremental rather than flashy. The bank offers standard digital and mobile services, which meet basic customer expectations but do not stand out as a major differentiator, and user feedback on the app is mixed. The more interesting angle is its BankTech Incubator, where the bank commits capital to technology startups that can complement its strategy. This partnership‑driven approach lets the bank access new tools and services without building everything in‑house. The remaining Republic Processing Group businesses effectively function as fintech‑style offerings, giving the bank experience in prepaid, payments, and small‑ticket credit. A potential future “super app” and any visible outcomes from the incubator are key watch points, but at this stage the innovation story is promising yet still largely unproven.

Summary

Overall, Republic Bancorp looks like a cautious, profitable regional bank with a few differentiated niches. Its earnings trend is steady, its balance sheet appears sound, and cash flows are reliable, all of which point to a business focused on durability rather than rapid expansion. The company’s edge comes from specialized offerings in payments, small‑dollar credit, and warehouse lending, supported by a conservative risk culture. On the innovation side, it is not a technology leader, but it is taking measured steps through its incubator and niche products to stay relevant in a changing financial landscape. Future performance will hinge on how well it can grow these specialized areas, upgrade its digital experience, and maintain credit quality through different economic cycles.

NEWS

November 19, 2025 · 4:00 PM UTC

Republic Bancorp, Inc. Declares Common Stock Dividends

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October 17, 2025 · 8:00 AM UTC

Republic Bancorp Reports a 12% Increase in Third Quarter Net Income

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September 16, 2025 · 11:10 AM UTC

Republic Bancorp, Inc. Among Top 25 in Bank Director's Annual Ranking

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