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Stocks · Financials · State Commercial Banks

REPUBLIC BANCORP INC /KY/

RBCAA Clue Score65
United States Fiscal year ends December CIK 0000921557
$90.93 -1.54% Close, 9 Oct 2026
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Price $90.93 +76.73% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income45.9Fiscal year 2017Net income45.6 −0.6%Fiscal year 2018Revenue289.5Net income77.9 +70.6%Fiscal year 2019Revenue311.1 +7.5%Net income91.7 +17.8%Fiscal year 2020Revenue319.4 +2.6%Net income83.2 −9.2%Fiscal year 2021Revenue309.3 −3.1%Net income87.6 +5.2%Fiscal year 2022Revenue326.5 +5.6%Net income91.1 +4.0%Fiscal year 2023Revenue360.2 +10.3%Net income90.4 −0.8%Fiscal year 2024Revenue384.8 +6.8%Net income101.4 +12.2%Fiscal year 2025Revenue417.5 +8.5%Net income131.3 +29.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 289.5 311.1 319.4 309.3 326.5 360.2 384.8 417.5
Growth +7.5% +2.6% −3.1% +5.6% +10.3% +6.8% +8.5%
Net income 45.9 45.6 77.9 91.7 83.2 87.6 91.1 90.4 101.4 131.3
Growth −0.6% +70.6% +17.8% −9.2% +5.2% +4.0% −0.8% +12.2% +29.5%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin26.9%Free cash flow margin37.8%Fiscal year 2019Net margin29.5%Free cash flow margin29.7%Fiscal year 2020Net margin26.1%Free cash flow margin22.5%Fiscal year 2021Net margin28.3%Free cash flow margin30.5%Fiscal year 2022Net margin27.9%Free cash flow margin46.3%Fiscal year 2023Net margin25.1%Free cash flow margin28.2%Fiscal year 2024Net margin26.3%Free cash flow margin37.2%Fiscal year 2025Net margin31.5%Free cash flow margin38.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 26.9% 29.5% 26.1% 28.3% 27.9% 25.1% 26.3% 31.5%
Free cash flow margin n/a n/a 37.8% 29.7% 22.5% 30.5% 46.3% 28.2% 37.2% 38.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow47.7Capital expenditure−7.0Free cash flow40.6Buybacks−1.2Dividends paid−16.8Fiscal year 2017Operating cash flow77.8Capital expenditure−12.4Free cash flow65.4 +60.9%Buybacks−1.0Dividends paid−17.7Fiscal year 2018Operating cash flow119.2Capital expenditure−9.8Free cash flow109.4 +67.3%Buybacks−0.8Dividends paid−19.5Fiscal year 2019Operating cash flow105.2Capital expenditure−12.9Free cash flow92.3 −15.6%Buybacks−1.4Dividends paid−21.4Fiscal year 2020Operating cash flow75.4Capital expenditure−3.6Free cash flow71.9 −22.2%Buybacks−3.9Dividends paid−23.2Fiscal year 2021Operating cash flow100.3Capital expenditure−5.8Free cash flow94.5 +31.5%Buybacks−47.5Dividends paid−24.7Fiscal year 2022Operating cash flow154.8Capital expenditure−3.5Free cash flow151.3 +60.1%Buybacks−12.6Dividends paid−26.1Fiscal year 2023Operating cash flow108.5Capital expenditure−6.9Free cash flow101.6 −32.8%Buybacks−20.3Dividends paid−28.4Fiscal year 2024Operating cash flow149.0Capital expenditure−5.8Free cash flow143.2 +40.9%Dividends paid−30.5Fiscal year 2025Operating cash flow168.2Capital expenditure−7.1Free cash flow161.1 +12.5%Buybacks−0.1Dividends paid−33.9
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 47.7 77.8 119.2 105.2 75.4 100.3 154.8 108.5 149.0 168.2
Capital expenditure −7.0 −12.4 −9.8 −12.9 −3.6 −5.8 −3.5 −6.9 −5.8 −7.1
Free cash flow 40.6 65.4 109.4 92.3 71.9 94.5 151.3 101.6 143.2 161.1
Growth +60.9% +67.3% −15.6% −22.2% +31.5% +60.1% −32.8% +40.9% +12.5%
Buybacks −1.2 −1.0 −0.8 −1.4 −3.9 −47.5 −12.6 −20.3 n/a −0.1
Dividends paid −16.8 −17.7 −19.5 −21.4 −23.2 −24.7 −26.1 −28.4 −30.5 −33.9

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash289.3Shareholders’ equity604.4Fiscal year 2017Cash299.4Shareholders’ equity632.4Fiscal year 2018Cash351.5Shareholders’ equity689.9Fiscal year 2019Cash385.3Shareholders’ equity764.2Fiscal year 2020Cash485.6Shareholders’ equity823.3Fiscal year 2021Cash757.0Shareholders’ equity835.1Fiscal year 2022Cash313.7Shareholders’ equity856.6Fiscal year 2023Cash316.6Shareholders’ equity912.8Fiscal year 2024Cash432.2Shareholders’ equity992.0Fiscal year 2025Cash220.0Shareholders’ equity1,102.3
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 289.3 299.4 351.5 385.3 485.6 757.0 313.7 316.6 432.2 220.0
Shareholders’ equity 604.4 632.4 689.9 764.2 823.3 835.1 856.6 912.8 992.0 1,102.3

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a 32.6% 36.4% 32.1% 36.0% 35.8% 31.4% 33.2% 39.7%
n/a n/a 26.9% 29.5% 26.1% 28.3% 27.9% 25.1% 26.3% 31.5%
n/a n/a 37.8% 29.7% 22.5% 30.5% 46.3% 28.2% 37.2% 38.6%
Spending
n/a n/a 3.4% 4.1% 1.1% 1.9% 1.1% 1.9% 1.5% 1.7%
33.4% 41.8% 17.4% 19.0% 18.9% 21.4% 22.0% 20.2% 20.6% 20.8%
Returns
7.6% 7.2% 11.3% 12.0% 10.1% 10.5% 10.6% 9.9% 10.2% 11.9%
1.0% 0.9% 1.5% 1.6% 1.3% 1.4% 1.6% 1.4% 1.5% 1.9%
Balance and payout
87.5% 87.6% 86.8% 86.4% 86.7% 85.3% 85.3% 86.2% 85.5% 84.3%
36.5% 38.7% 25.0% 23.3% 27.9% 28.2% 28.7% 31.4% 30.1% 25.8%
44.2% 28.6% 18.6% 24.7% 37.8% 76.5% 25.6% 47.8% 21.3% 21.1%