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Financials · RBCAA

Republic Bancorp Inc. (RBCAA) financials

For the twelve months ended Sep 30, 2026, Republic Bancorp Inc. reported $419.88M of revenue and $129.33M of net income.

Revenue, TTM
$419.88M
Revenue growth, YoY
+1.7%
Net income, TTM
$129.33M
Net income growth, YoY
+1.4%
Net margin
30.8%
Free cash flow, TTM
$141.93M
Cash
$399.34M
P/E
13.94
P/S
4.29
Market cap
$1.80B
Annual revenue$417.50M
FY2016FY2025
Annual net income$131.32M
FY2016FY2025
Annual free cash flow$161.11M
FY2016FY2025

RBCAA revenue and earnings growth

RBCAA revenueQ3 2026$103.93M

Quarter YoY
+11.1%
QoQ
+2.6%
FY YoY
+8.5%
5Y CAGR
+5.5%
10Y CAGR
+9.3%

RBCAA revenue was $103.93M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.1% from a year earlier and up 2.6% from the prior quarter. For the full fiscal 2025 it was $417.50M, up 8.5% from fiscal 2024. Compound annual growth was +5.5% over 5 years and +9.3% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

RBCAA net incomeQ3 2026$31.07M

Quarter YoY
+4.5%
QoQ
-5.5%
FY YoY
+29.5%
5Y CAGR
+9.5%
10Y CAGR
+14.1%

RBCAA net income was $31.07M in fiscal Q3 2026 (ended Sep 30, 2026), up 4.5% from a year earlier and down 5.5% from the prior quarter. For the full fiscal 2025 it was $131.32M, up 29.5% from fiscal 2024. Compound annual growth was +9.5% over 5 years and +14.1% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

RBCAA free cash flowQ3 2026$40.94M

Quarter YoY
+17.3%
FY YoY
+12.5%
5Y CAGR
+17.5%
10Y CAGR
+13.7%

RBCAA free cash flow was $40.94M in fiscal Q3 2026 (ended Sep 30, 2026), up 17.3% from a year earlier. For the full fiscal 2025 it was $161.11M, up 12.5% from fiscal 2024. Compound annual growth was +17.5% over 5 years and +13.7% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$417.50M$384.80M$360.24M$326.50M$309.31M$319.37M$311.13M$289.48M$256.93M$213.56M
Interest expense--$67.28M$7.49M$5.67M$19.94M$44.76M$30.12M$20.26M$17.94M
Pre-tax income$165.71M$127.70M$113.21M$116.84M$111.44M$102.63M$113.19M$94.26M$78.39M$68.96M
Income tax$34.39M$26.33M$22.84M$25.74M$23.83M$19.39M$21.49M$16.41M$32.75M$23.06M
Net income$131.32M$101.37M$90.37M$91.11M$87.61M$83.25M$91.70M$77.85M$45.63M$45.90M
Diluted shares19.8M19.7M19.9M20.1M20.8M21.1M21.1M21.1M21.0M21.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$219.97M$432.15M$316.57M$313.69M$756.97M$485.59M$385.30M$351.47M$299.35M$289.31M
Goodwill$40.52M$40.52M$40.52M$16.30M$16.30M$16.30M$16.30M$16.30M$16.30M$16.30M
Total assets$7.04B$6.85B$6.59B$5.84B$6.17B$6.17B$5.62B$5.24B$5.09B$4.82B
Total liabilities$5.94B$5.85B$5.68B$4.98B$5.26B$5.35B$4.86B$4.55B$4.45B$4.21B
Shareholders' equity$1.10B$992.03M$912.76M$856.61M$835.05M$823.32M$764.24M$689.93M$632.42M$604.41M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$168.21M$149.00M$108.53M$154.79M$100.25M$75.43M$105.19M$119.21M$77.78M$47.67M
Capital expenditures$7.10M$5.81M$6.90M$3.50M$5.79M$3.58M$12.88M$9.82M$12.38M$7.03M
Free cash flow$161.11M$143.19M$101.64M$151.29M$94.47M$71.85M$92.30M$109.39M$65.39M$40.64M
Investing cash flow-$436.12M-$181.03M-$516.95M-$254.51M$306.55M-$422.02M-$435.21M-$121.53M-$287.11M-$296.13M
Financing cash flow$55.73M$147.61M$411.30M-$343.56M-$135.42M$446.87M$363.85M$54.45M$219.38M$327.69M
Dividends paid$33.85M$30.51M$28.35M$26.14M$24.70M$23.20M$21.38M$19.50M$17.66M$16.77M
Share repurchases$72.0K-$20.28M$12.58M$47.53M$3.94M$1.42M$827.0K$1.05M$1.21M
Stock-based compensation$2.12M$1.31M$1.30M$1.75M$1.54M$953.0K$1.03M$1.00M$1.14M$1.03M
Depreciation and amortization$6.68M$6.91M$7.06M$7.60M$8.99M$9.72M$9.23M$9.35M$8.47M$7.30M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY8.5%6.8%10.3%5.6%-3.1%2.6%7.5%12.7%20.3%24.2%
Net income growth, YoY29.5%12.2%-0.8%4.0%5.2%-9.2%17.8%70.6%-0.6%30.5%
Net margin31.5%26.3%25.1%27.9%28.3%26.1%29.5%26.9%17.8%21.5%
Free cash flow margin38.6%37.2%28.2%46.3%30.5%22.5%29.7%37.8%25.5%19.0%
Return on equity11.9%10.2%9.9%10.6%10.5%10.1%12.0%11.3%7.2%7.6%
Return on assets1.9%1.5%1.4%1.6%1.4%1.3%1.6%1.5%0.9%1.0%

Source: XBRL data Republic Bancorp Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

RBCAA peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
RBCAA$419.88M+1.7%$129.33M30.8%$1.80B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

RBCAA FAQ

7 questions
  • What is RBCAA revenue?
    Republic Bancorp Inc. (RBCAA) reported $419.88M of revenue for the twelve months ended Sep 30, 2026. That is up 1.7% from the year before. Revenue for fiscal 2025 was $417.50M.
  • Is RBCAA profitable?
    Yes. Republic Bancorp Inc. earned $129.33M in net income for the twelve months ended Sep 30, 2026, a net margin of 30.8%.
  • How much cash and debt does RBCAA have?
    Republic Bancorp Inc. reported $399.34M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is RBCAA revenue growing?
    Republic Bancorp Inc.'s revenue changed +8.5% in fiscal 2025, to $417.50M. Its compound annual growth rate was +5.5% over 5 years and +9.3% over 10 years.
  • What is RBCAA free cash flow?
    Republic Bancorp Inc. generated $141.93M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $148.99M less capital expenditures.
  • When did RBCAA last report financial results?
    The latest statements here come from Republic Bancorp Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this RBCAA financial data come from?
    Quantisnow builds these statements from the structured XBRL data Republic Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.