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+65.0%
5Y+56.0%
10Y+129.0%
3Y+44.0%
5Y+58.0%
10Y+186.0%
3Y+9.0%
5Y+123.0%
10Y+253.0%
Republic Bancorp, Inc.

Republic Bancorp, Inc. Profit Bridge

RBCAA ยท NASDAQ
Revenue521.34M
Cost of Goods Sold (135.44M)
Gross Profit385.90M
Operating Expenses (220.19M)
Operating Income165.71M
Interest Expense (103.84M)
Other Income/Expense0.00
Pretax Income165.71M
Income Tax (34.39M)
Net Income131.32M
Net Income
131.32M

Profitability Analysis

Gross Margin

74.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

31.8%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

25.2%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

20.8%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Republic Bancorp, Inc. Income Statement

RBCAA โ€ข NASDAQ

Republic Bancorp, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
521.3M
499.8M
421.6M
316.2M
310M
335M
343.2M
315.1M
273.2M
227.4M
186.6M
171.4M
176.4M
288.8M
309.6M
279.4M
276M
264.4M
236.9M
122.2M
GROSS PROFIT
(135.4M)
(175.2M)
(114.9M)
(29.8M)
(20.5M)
(51.2M)
(70.5M)
(61.5M)
(48M)
(32.4M)
(23.9M)
(22.5M)
(24.4M)
(37.8M)
(48.2M)
(56.4M)
(82.7M)
(88.6M)
(111.4M)
(90.5M)
385.9M
324.6M
306.6M
286.4M
289.5M
283.8M
272.7M
253.6M
225.2M
194.9M
162.7M
149M
152M
251M
261.4M
223M
193.3M
175.8M
125.5M
31.7M
OPERATING INCOME
(220.2M)
(196.9M)
(193.4M)
(169.5M)
(178.1M)
(181.2M)
(159.5M)
(159.4M)
(146.9M)
(126M)
(109.5M)
(104.7M)
(111.5M)
(67M)
(117.2M)
(124.6M)
(127.3M)
(123.9M)
(87.3M)
-11.1M
(149M)
(131.1M)
(127M)
(119.8M)
(116.1M)
(111.2M)
(104.9M)
(113M)
(102.9M)
(87.2M)
(72.5M)
(67.9M)
(71.4M)
(77.3M)
(73.9M)
(79.7M)
(83.2M)
(74M)
(47.4M)
(40.4M)
165.7M
127.7M
113.2M
116.8M
111.4M
102.6M
113.2M
94.3M
78.4M
69M
53.2M
44.3M
40.5M
183.9M
144.2M
98.4M
66M
51.9M
38.2M
42.8M
PRE-TAX INCOME
(103.8M)
(120.8M)
(67.3M)
(7.5M)
(5.7M)
(19.9M)
(44.8M)
(30.1M)
(20.3M)
(17.9M)
(18.5M)
(19.6M)
(21.4M)
(22.8M)
(30.3M)
(36.7M)
(48.7M)
(72.4M)
(104.6M)
(88.2M)
334.7M
312.2M
288.8M
236.7M
222.7M
232.3M
236.1M
226.1M
198.5M
156.1M
124M
112.8M
113.2M
160.7M
164.9M
156.8M
163.9M
129.7M
94.5M
88.3M
(71.2M)
(65.8M)
(66.4M)
(49.8M)
(62M)
(69.9M)
(54.5M)
(46.4M)
(44M)
(38.7M)
(36.9M)
(36.8M)
(40.1M)
-10.2M
(43.3M)
(44.9M)
(44.1M)
(49.9M)
(39.8M)
-51.5M
165.7M
127.7M
113.2M
116.8M
111.4M
102.6M
113.2M
94.3M
78.4M
69M
53.2M
44.3M
40.5M
183.9M
144.2M
98.4M
66M
51.9M
38.2M
42.8M
NET INCOME
(34.4M)
(26.3M)
(22.8M)
(25.7M)
(23.8M)
(19.4M)
(21.5M)
(16.4M)
(32.8M)
(23.1M)
(18.1M)
(15.5M)
(15.1M)
(64.6M)
(50M)
(33.7M)
(23.9M)
(18.2M)
(13.3M)
(14.7M)
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

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