Republic Bancorp, Inc.

Republic Bancorp, Inc.

RBCAAยทNASDAQ

$80.96

-1.7%
Financial ServicesBanks - Regional

Republic 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. Its loan products include residential real estate, commercial real estate, construction and land development, home improvement and home equity, secured and unsecured personal, and aircraft loans. The company also offers credit cards; title insurance and other financial products and services; and memory banking, private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and internet and mobile banking services. In addition, it provides short-term and revolving credit facilities to mortgage bankers; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; and general purpose reloadable prepaid cards through third party service providers. Further, the company offers consumer credit products; and property and casualty insurance products. As of January 28, 2022, it operated 42 full-service banking centers. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.

At a Glance

Live Snapshot
Market Cap$1.42B
EPS6.6500
P/E Ratio12.17
Earnings Date07/17/2026
3Y+9.0%
5Y+123.0%
10Y+253.0%
3Y+71.0%
5Y+3.0%
10Y+47.0%
3Y-116.0%
5Y-88.0%
10Y-83.0%
RBCAA

Republic Bancorp, Inc. Cash Conversion Engine

RBCAA ยท NASDAQ
Net Income131.32M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-5.19M
Others42.09M
Capital Expenditures-7.10M
Free Cash Flow161.11M

Cash Flow Quality Analysis

FCF Conversion Rate

122.7%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

4.2%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+12.5%

Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.

Working Capital Impact

-$5.19M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Republic Bancorp, Inc. Cash Flow Statement

RBCAA โ€ข NASDAQ

Republic Bancorp, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
131.3M
101.4M
90.4M
91.1M
87.6M
83.2M
91.7M
77.9M
45.6M
45.9M
35.2M
28.8M
25.4M
119.3M
94.1M
64.8M
42.1M
33.7M
24.9M
28.4M
0.0
14.6M
15M
18.1M
18.3M
13.5M
11.1M
10.8M
10M
9.1M
8M
7.7M
8M
8.8M
4.4M
10.7M
10.5M
7.5M
2.1M
4.1M
0.0
2.8M
2.7M
3M
2.6M
1.9M
1.6M
1.6M
1.3M
1.2M
645K
645K
696K
1.1M
448K
718K
723K
1.8M
0.0
0.0
42.1M
43.1M
30.7M
46.2M
-4.6M
2.6M
2.8M
20.6M
18.8M
-848K
4M
-5M
-1.1M
-47.8M
24.6M
11.1M
46.5M
28.7M
593K
-7.1M
(0.0)
(27.5M)
(21.5M)
(21.6M)
(20.1M)
(24.9M)
(17.4M)
(11.1M)
(28.8M)
(26.1M)
(17.9M)
(18.8M)
(31.9M)
(53.8M)
(48.9M)
(28.7M)
(28.7M)
(25.4M)
(0.0)
(0.0)
-5.2M
-12.9M
-30.3M
-3.6M
-3.6M
-25.7M
-2M
8.3M
2M
-7.6M
2.2M
-5.4M
-10.8M
4.9M
-15K
2M
-27.9M
-12.8M
10.9M
-996K
168.2M
149M
108.5M
154.8M
100.3M
75.4M
105.2M
119.2M
77.8M
47.7M
50M
26.7M
22.3M
86.3M
123.6M
89.2M
72.1M
58.9M
38.5M
24.4M
INVESTING ACTIVITIES
-7.1M
-5.8M
-6.9M
-3.5M
-5.8M
-3.6M
-12.9M
-9.8M
-12.4M
-7M
-5.3M
-7.8M
-5M
-3.9M
-3.7M
-4.3M
-4M
-9.3M
-7.4M
-6.1M
(0.0)
(0.0)
-41M
(0.0)
(0.0)
(0.0)
(6.1M)
(0.0)
(0.0)
-9.1M
(1.6M)
(0.0)
(0.0)
(0.0)
-15.4M
(0.0)
(0.0)
(0.0)
(0.0)
-14.3M
-864.1M
-299.8M
-70M
-404.8M
-211.5M
-305.9M
-453.6M
-178.8M
-240.8M
-439.2M
-1.5B
-876.9M
-209.5M
-84.8M
-599M
-612.2M
-634.6M
-2.3B
-3.7B
-2.7B
565M
381.7M
142.1M
193.5M
239.6M
260.9M
458.5M
224.7M
182.3M
458.4M
1.4B
881.1M
205.8M
331.8M
477.4M
543.1M
1.1B
2B
3.7B
2.4B
-129.9M
-257.1M
-541.2M
-39.7M
284.3M
-373.5M
-433.3M
-157.6M
-216.2M
-299.2M
-276.1M
-467.4M
52.3M
752.2M
-138.4M
65.1M
9.4M
74.5M
-103M
1.3M
-436.1M
-181M
-517M
-254.5M
(306.6M)
-422M
-435.2M
-121.5M
-287.1M
-296.1M
-358.2M
-470.9M
(43.6M)
(995.3M)
-279.2M
-8.3M
(447.1M)
-272.4M
-122.2M
-243.9M
FINANCING ACTIVITIES
796K
0.0
-20.3M
-12.6M
-47.5M
-3.9M
-1.4M
-827K
-1M
-1.2M
-551K
-347K
-4.1M
-1.7M
-492K
-390K
-868K
-523K
-8M
-88K
96.2M
15M
285M
70M
-250M
-515M
-60M
72.5M
-65M
99M
-8M
102.5M
62.4M
-395.1M
369.8M
-72.7M
122.4M
36.7M
-171.6M
231.1M
-33.9M
-30.5M
-28.4M
-26.1M
-24.7M
-23.2M
-21.4M
-19.5M
-17.7M
-16.8M
-15.8M
-14.9M
-14M
-36.1M
-12.3M
-11.4M
-10.4M
-9.4M
-8.3M
-7.1M
-72K
(0.0)
-20.3M
-12.6M
-47.5M
-3.9M
-1.4M
-827K
-1M
-1.2M
-551K
-347K
-4.1M
-1.7M
-492K
-390K
-868K
-523K
(0.0)
-699K
-7.4M
163.1M
174.9M
-374.8M
186.8M
989M
446.6M
2.3M
303.1M
246.7M
469.8M
259M
-76.9M
-874M
-624.8M
-278.2M
-178.4M
716.9M
276.1M
0.0
55.7M
147.6M
411.3M
-343.6M
-135.4M
446.9M
363.9M
54.4M
219.4M
327.7M
445.4M
346.2M
-32.6M
-1.3B
-267.8M
-362.7M
-67.3M
743.7M
88.2M
223.9M
CASH FLOW SUMMARY
-212.2M
115.6M
2.9M
-443.3M
271.4M
100.3M
33.8M
52.1M
10M
79.2M
137.2M
-98M
33.2M
-225.3M
-423.4M
-281.8M
451.9M
530.1M
4.6M
4.4M
432.2M
316.6M
313.7M
757M
485.6M
385.3M
351.5M
299.4M
289.3M
210.1M
72.9M
170.9M
137.7M
363M
786.4M
1.1B
616.3M
86.2M
81.6M
77.2M
220M
432.2M
316.6M
313.7M
757M
485.6M
385.3M
351.5M
299.4M
289.3M
210.1M
72.9M
170.9M
137.7M
363M
786.4M
1.1B
616.3M
86.2M
81.6M
161.1M
143.2M
101.6M
151.3M
94.5M
71.9M
92.3M
109.4M
65.4M
40.6M
44.7M
18.9M
17.2M
82.4M
119.9M
85M
68.1M
49.5M
31.1M
18.4M

SEC Filings

RBCAA - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 20, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 24, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 13, 2026
April 23, 2026
2026
10-K

10-K 2025 FY

FY

March 06, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 24, 2026
February 20, 2026
2026
8-K

8-K 2026

N/A

January 30, 2026
January 30, 2026
2026
8-K

8-K 2026

N/A

January 21, 2026
January 21, 2026
2026
Showing 1 to 10 of 483 filings