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Republic Bancorp Inc

Republic Bancorp Inc

RBCAA · NASDAQ · Financial Services / Banks - Regional

91.25USD+0.02 (+0.02%)

Price History

Full chart

Market Stats

Previous Close91.23
Open91.27
Day Range90.81 – 91.45
52-Week Range62.42 – 101.68
Volume64.21K
Market Cap1.86B
P/E (TTM)14.46
Forward P/E14.16
EPS6.54
Dividend Yield2.09%
Beta0.55
50-Day Avg95.70
200-Day Avg80.59

About

Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial, CRE and multi-family, construction and land development, consumer, and aircraft loans; service charges on consumer and commercial deposit accounts, mortgage banking income, debit and credit card interchange fee income, title insurance commissions, and swap fee incomes; private banking; and lockbox processing, remote deposit capture, business online banking, account reconciliation, and automated clearing house processing services; internet banking services and products through its website; mobile banking; and other banking services. In addition, it offers short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; 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; prepaid and debit solutions, such as issuing of payroll, general purpose reloadable cards, issuing of demand deposit accounts, savings accounts and/or debit cards; and consumer credit products; and consumer credit products. The company offers its services through full-services banking centers in Kentucky, Indiana, Florida, Ohio, and Tennessee. Republic Bancorp, Inc. was incorporated in 1974 and is headquartered in Louisville, Kentucky.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Steven E. Trager J.D.
  • Employees958
  • Headquarters601 West Market Street, Louisville, KY, United States, 40202, USA
  • Websitehttps://www.republicbank.com

Leadership

  • Mr. Steven E. Trager J.D.Executive Chairman & CEO · b. 1961
  • Mr. A. Scott TragerVice Chairman & President · b. 1953
  • Mr. Kevin SipesExecutive VP, CFO, Chief Accounting Officer & Treasurer · b. 1972
  • Mr. Jeffrey A. StarkeExecutive VP and Chief Information & Operating Officer of Republic Bank & Trust Company · b. 1978
  • Ms. Cheryl VanAllenEVP & Chief People Officer · b. 1980
  • Mr. Anthony T. PowellExecutive VP & Chief Lending Officer · b. 1968
  • Mr. Brent ShumanInterim President of Republic Processing Group
  • Ms. Christy A. AmesSecretary · b. 1973

Financials

Income Statement

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.54M7.53M11.79M60.10M65.85M108.20M107.20M127.52M137.14M130.62M149.99M147.09M176.89M122.24M236.89M264.38M276.05M279.39M309.64M288.82M176.41M171.45M186.55M227.36M273.20M315.13M343.19M335.01M310.02M316.22M421.56M499.79M521.34M
Growth (%)--11.83%+56.46%+409.85%+9.57%+64.31%-0.92%+18.95%+7.54%-4.75%+14.83%-1.93%+20.25%-30.89%+93.78%+11.61%+4.41%+1.21%+10.83%-6.72%-38.92%-2.81%+8.81%+21.87%+20.16%+15.34%+8.91%-2.38%-7.46%+2.00%+33.31%+18.56%+4.31%
Cost of Revenue21.51M23.05M41.99M53.00M58.11M53.30M51.40M68.23M61.41M45.10M43.37M43.40M62.77M90.54M111.44M88.62M82.72M56.38M48.22M37.85M24.38M22.46M23.86M32.43M47.96M61.49M70.52M51.22M20.47M29.84M114.91M175.21M135.44M
Gross Profit8.54M7.53M11.79M7.10M7.74M54.90M55.80M59.29M75.73M85.52M106.62M103.70M114.11M31.70M125.45M175.76M193.33M223.01M261.42M250.98M152.03M148.98M162.69M194.93M225.24M253.63M272.68M283.79M289.55M286.38M306.65M324.58M385.90M
Gross Margin100.00%100.00%100.00%11.81%11.76%50.74%52.05%46.49%55.22%65.47%71.09%70.50%64.51%25.93%52.96%66.48%70.04%79.82%84.43%86.90%86.18%86.90%87.21%85.74%82.44%80.49%79.45%84.71%93.40%90.56%72.74%64.94%74.02%
Operating Expense-18.44M-21.15M-33.72M2.43M-11.39M33.50M37.30M40.03M49.29M53.84M62.86M64.22M68.51M-11.13M87.26M123.87M127.31M124.58M117.23M67.03M111.54M104.67M109.45M125.97M146.86M159.37M159.48M181.15M178.10M169.53M193.43M196.88M220.19M
Operating Income26.98M28.68M45.51M4.67M19.14M21.40M18.50M19.26M26.44M31.68M43.77M39.48M45.60M42.83M38.19M51.89M66.02M98.43M144.20M183.94M40.50M44.31M53.24M68.96M78.39M94.26M113.19M102.63M111.44M116.84M113.21M127.70M165.71M
Operating Margin315.78%380.71%386.05%7.77%29.06%19.78%17.26%15.10%19.28%24.26%29.18%26.84%25.78%35.04%16.12%19.63%23.92%35.23%46.57%63.69%22.96%25.85%28.54%30.33%28.69%29.91%32.98%30.64%35.95%36.95%26.86%25.55%31.79%
EBITDA26.98M28.68M45.51M7.85M23.82M25.00M22.40M23.39M30.17M35.95M49.81M47.46M52.99M46.97M40.27M59.40M76.57M109.12M148.60M192.78M48.49M52.01M61.25M78.02M88.36M105.04M124.25M116.11M129.75M134.90M128.22M142.33M180.39M
EBITDA Margin315.78%380.71%386.05%13.06%36.17%23.11%20.90%18.34%22.00%27.52%33.21%32.27%29.95%38.42%17.00%22.47%27.74%39.06%47.99%66.75%27.49%30.33%32.83%34.32%32.34%33.33%36.20%34.66%41.85%42.66%30.42%28.48%34.60%
Net Income5.86M6.17M7.79M2.73M12.26M13.80M12.30M12.92M16.81M20.49M28.20M32.50M35.06M28.35M24.91M33.65M42.13M64.75M94.15M119.34M25.42M28.79M35.17M45.90M45.63M77.85M91.70M83.25M87.61M91.11M90.37M101.37M131.32M
Net Income Margin68.62%81.90%66.07%4.54%18.62%12.75%11.47%10.13%12.26%15.69%18.80%22.10%19.82%23.19%10.52%12.73%15.26%23.18%30.41%41.32%14.41%16.79%18.85%20.19%16.70%24.71%26.72%24.85%28.26%28.81%21.44%20.28%25.19%
R&D------------------00000000-------
R&D as % of Total Revenue------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense21.12M22.51M37.72M43.85M50.86M50.20M49.60M66.85M57.92M41.76M36.80M42.31M62.43M88.24M104.62M72.42M48.74M36.66M30.25M22.80M21.39M19.60M18.46M17.94M20.26M30.12M44.76M19.94M5.67M7.49M67.28M120.83M103.84M
Interest Expense % of Total Revenue247.15%298.82%319.99%72.97%77.23%46.40%46.27%52.42%42.23%31.97%24.53%28.77%35.30%72.19%44.16%27.39%17.66%13.12%9.77%7.90%12.13%11.43%9.90%7.89%7.41%9.56%13.04%5.95%1.83%2.37%15.96%24.18%19.92%

Balance Sheet

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets646.70M736.01M891.35M1.14B1.05B1.21B1.37B1.51B1.59B1.75B2.13B2.50B2.74B3.05B3.17B3.94B3.92B3.62B3.42B3.39B3.37B3.75B4.23B4.82B5.09B5.24B5.62B6.17B6.09B5.83B6.59B6.85B7.04B
Total Liabilities606.03M688.96M832.85M1.08B986.56M1.10B1.26B1.38B1.46B1.60B1.96B2.30B2.52B2.81B2.92B3.66B3.60B3.25B2.97B2.86B2.83B3.19B3.65B4.21B4.45B4.55B4.86B5.35B5.26B4.98B5.68B5.85B5.94B
Total Equity40.67M47.05M58.50M59.02M68.39M103.80M103.80M116.94M125.11M150.80M169.38M196.07M213.57M237.35M248.86M275.92M316.02M371.38M452.37M536.70M542.79M558.73M576.55M604.41M632.42M689.93M764.24M823.32M834.23M856.61M912.76M992.03M1.10B
Cash---56.67M24.55M39.90M20.83M40.22M35.57M39.85M60.88M77.85M77.17M81.61M86.18M616.30M1.07B786.37M362.97M137.69M170.86M72.88M210.08M289.31M299.35M351.47M385.30M485.59M756.97M313.69M316.57M432.15M219.97M
Total Debt80.95M89.79M89.79M288.61M235.54M338.90M662.80M509.05M578.97M544.23M640.22M861.22M1.11B1.49B918.09M895.49M978.43M925.36M1.21B834.72M811.79M1.10B1.14B1.06B982.76M1.03B995.39M531.61M355.64M349.76M513.16M535.44M626.87M
Net Debt80.95M89.79M89.79M231.94M211.00M299.00M641.97M468.84M543.40M504.38M579.34M783.37M1.03B1.41B831.91M279.18M-89.75M138.99M843.13M697.03M640.93M1.03B926.09M554.43M683.41M682.76M610.08M46.02M-401.33M36.08M196.59M103.29M406.90M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow12.31M14.49M-14.80M50.40M19.63M-4.14M-6.55M93.95M39.16M45.66M24.43M38.51M58.86M72.08M89.23M123.60M86.28M22.26M26.70M50.05M47.67M77.78M119.21M97.25M68.43M99.43M154.79M108.53M149.00M168.21M
Investing Cash Flow-276.57M47.08M-114.20M-176.40M-168.47M-62.84M-125.19M-418.14M-359.44M-248.75M-243.92M-122.17M-272.44M447.12M-8.33M-279.16M995.28M43.55M-470.89M-358.21M-296.13M-287.11M-121.53M-427.27M-415.02M306.55M-254.51M-516.95M-181.03M-436.12M
Financing Cash Flow245.62M-93.69M144.40M153.70M121.53M62.33M136.02M345.21M336.95M202.41M223.94M88.22M743.70M-67.32M-362.71M-267.84M-1.31B-32.64M346.20M445.37M327.69M219.38M54.45M363.85M446.87M-134.60M-343.56M411.30M147.61M55.73M
Capital Expenditure8.67M3.36M7.40M6.70M4.61M3.96M7.56M16.59M5.82M3.64M6.05M7.38M9.33M3.99M4.27M3.73M3.89M5.02M7.76M5.32M7.03M12.38M9.82M12.88M3.58M5.79M3.50M6.90M5.81M7.10M
Free Cash Flow3.64M11.12M-22.20M43.70M15.02M-8.09M-14.11M77.36M33.49M42.02M18.37M31.12M49.53M68.09M84.97M119.88M82.39M17.23M18.95M44.73M40.64M65.39M109.39M84.36M64.85M93.65M151.29M101.64M143.19M161.11M
Dividends Paid1.90M1.99M1.70M1.80M2.37M2.84M3.23M8.30M4.97M6.02M7.05M8.28M9.36M10.38M11.36M12.31M36.12M14.01M14.93M15.84M16.77M17.66M19.50M21.38M23.20M24.70M26.14M28.35M30.51M33.85M
FCF to OCF29.54%76.78%150.00%86.71%76.50%195.58%215.49%82.34%85.51%92.03%75.22%80.82%84.14%94.47%95.22%96.98%95.49%77.44%70.95%89.37%85.25%84.08%91.76%86.75%94.77%94.18%97.74%93.65%96.10%95.78%
Dividend Paid to FCF52.23%17.91%-7.66%4.12%15.77%-35.05%-22.91%10.74%14.84%14.33%38.40%26.60%18.90%15.24%13.37%10.27%43.84%81.28%78.80%35.41%41.26%27.00%17.82%25.34%35.78%26.37%17.28%27.89%21.30%21.01%

Earnings

Report DateSep 30, 1998Jan 13, 1999Apr 20, 1999Jul 16, 1999Oct 19, 1999Jan 11, 2000Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 30, 2001Apr 17, 2001Jul 17, 2001Oct 18, 2001Jan 18, 2002Apr 15, 2002Jul 19, 2002Oct 18, 2002Jan 14, 2003Apr 10, 2003Jul 10, 2003Oct 17, 2003Jan 16, 2004Apr 15, 2004Jul 16, 2004Oct 15, 2004Jan 14, 2005Apr 14, 2005Jul 22, 2005Oct 21, 2005Jan 18, 2006Apr 21, 2006Jul 21, 2006Oct 20, 2006Jan 18, 2007Apr 19, 2007Jul 20, 2007Oct 19, 2007Jan 18, 2008Apr 18, 2008Jul 18, 2008Oct 16, 2008Jan 21, 2009Apr 22, 2009Jul 16, 2009Oct 20, 2009Jan 14, 2010Apr 21, 2010Jul 15, 2010Oct 20, 2010Jan 20, 2011Apr 21, 2011Jul 21, 2011Oct 18, 2011Jan 19, 2012Apr 19, 2012Jul 19, 2012Oct 18, 2012Jan 17, 2013Apr 18, 2013Jul 18, 2013Oct 18, 2013Jan 17, 2014Apr 17, 2014Jul 18, 2014Oct 17, 2014Jan 16, 2015Apr 17, 2015Jul 17, 2015Oct 16, 2015Jan 22, 2016Apr 21, 2016Jul 22, 2016Oct 21, 2016Jan 27, 2017Apr 20, 2017Jul 21, 2017Oct 20, 2017Jan 26, 2018Apr 19, 2018Jul 20, 2018Oct 19, 2018Jan 25, 2019Apr 24, 2019Jul 19, 2019Oct 18, 2019Jan 24, 2020Apr 23, 2020Jul 17, 2020Oct 16, 2020Jan 29, 2021Apr 22, 2021Jul 23, 2021Oct 22, 2021Jan 28, 2022Apr 21, 2022Jul 22, 2022Oct 21, 2022Jan 27, 2023Apr 20, 2023Jul 21, 2023Oct 20, 2023Jan 26, 2024Apr 25, 2024Jul 19, 2024Oct 18, 2024Jan 24, 2025Apr 24, 2025Jul 18, 2025Oct 17, 2025Jan 30, 2026Apr 23, 2026Jul 24, 2026Oct 16, 2026
EPS Estimate-0.130.130.120.140.14---0.180.180.170.170.170.250.230.210.210.350.260.310.260.440.280.290.300.610.340.280.270.630.280.280.280.530.280.260.260.550.360.350.331.340.290.330.261.300.270.320.252.060.370.310.283.450.400.340.240.730.310.280.280.670.320.280.260.640.310.300.280.730.360.380.441.000.520.460.471.210.580.610.651.360.780.750.801.260.670.410.741.801.110.900.801.221.110.740.941.761.170.980.731.631.331.211.201.861.441.411.321.841.551.66
EPS Actual0.130.130.160.130.140.150.170.150.150.230.230.150.180.220.330.240.230.200.480.350.300.220.520.360.330.300.620.360.370.270.470.290.300.290.390.280.210.250.960.420.380.271.240.390.300.192.340.400.350.213.400.410.380.303.450.460.140.290.600.300.220.070.580.300.250.250.660.400.270.360.850.400.470.480.960.480.510.531.320.740.830.831.410.860.830.891.280.760.980.980.980.800.910.841.401.200.990.941.611.071.101.011.581.301.370.982.421.581.511.162.041.68-
Surprise-0.00%23.08%8.33%0.00%7.14%---27.78%27.78%-11.76%5.88%29.41%32.00%4.35%9.52%-4.76%37.14%34.62%-3.23%-15.38%18.18%28.57%13.79%0.00%1.64%5.88%32.14%0.00%-25.40%3.57%7.14%3.57%-26.42%0.00%-19.23%-3.85%74.55%16.67%8.57%-18.18%-7.46%34.48%-9.09%-26.92%80.00%48.15%9.38%-16.00%65.05%10.81%22.58%7.14%0.00%15.00%-58.82%20.83%-17.81%-3.23%-21.43%-75.00%-13.43%-6.25%-10.71%-3.85%3.13%29.03%-10.00%28.57%16.44%11.11%23.68%9.09%-4.00%-7.69%10.87%12.77%9.09%27.59%36.07%27.69%3.68%10.26%10.67%11.25%1.59%13.43%139.02%32.43%-45.56%-27.93%1.11%5.00%14.75%8.11%33.78%0.00%-8.52%-8.55%12.24%38.36%-3.07%-2.26%13.22%-18.33%30.11%9.72%7.09%-12.12%10.87%8.39%-
Timing--After-hoursPre-market-Pre-market---After-hours-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap1.86B
Enterprise Value1.76B
Trailing P/E14.46
Forward P/E14.16
PEG Ratio1.27
Price / Sales4.85
Price / Book1.59
EPS6.54
Book Value58.92
Revenue (TTM)382.45M
Gross Profit (TTM)382.45M
Profit Margin33.47%
Operating Margin45.02%
Return on Equity11.55%
Return on Assets1.82%
Shares Outstanding17.50M
Shares Float8.93M
Beta0.55
Dividend Yield2.09%
Dividend Rate1.98
Payout Ratio30.30%

Analyst Ratings

Hold
Based on 1 analystsTarget 98.00
  • Hold
    1

Ownership Breakdown

Institutions
33.14%
Insiders
51.53%
Retail / Other
15.33%

Top Institutional Holders

  • Dimensional Fund Advisors, Inc.
    933.06K4.75%
  • BlackRock Inc
    758.92K3.87%
  • American Century Companies Inc
    397.38K2.02%
  • Vanguard Capital Management, LLC
    381.74K1.94%
  • Morgan Stanley - Brokerage Accounts
    350.04K1.78%
  • State Street Corp
    261.27K1.33%
  • Geode Capital Management, LLC
    241.75K1.23%
  • Gendell Jeffrey L
    142.92K0.73%
  • Bridgeway Capital Management, LLC
    127.61K0.65%
  • Two Sigma Investments LLC
    114.64K0.58%
  • Vanguard Portfolio Management, LLC
    104.99K0.53%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    507.97K2.59%
  • Avantis US Small Cap Value ETF
    330.56K1.68%
  • iShares Russell 2000 ETF
    221.88K1.13%
  • DFA US Small Cap Value I
    152.94K0.78%
  • DFA US Micro Cap I
    148.57K0.76%
  • DFA US Targeted Value I
    107.89K0.55%
  • DFA US Small Cap I
    100.65K0.51%
  • Fidelity Small Cap Index
    92.51K0.47%
  • State Street® SPDR® S&PRgnllBkgETF
    91.80K0.47%

Dividends

20263×
0.49Sep 18, 20260.49Jun 18, 20260.49Mar 20, 2026
20254×
0.45Dec 19, 20250.45Sep 19, 20250.45Jun 20, 20250.45Mar 21, 2025
20244×
0.41Dec 20, 20240.41Sep 20, 20240.41Jun 21, 20240.41Mar 14, 2024
20234×
0.37Dec 14, 20230.37Sep 14, 20230.37Jun 15, 20230.37Mar 16, 2023
20224×
0.34Dec 15, 20220.34Sep 15, 20220.34Jun 16, 20220.34Mar 17, 2022
20214×
0.31Dec 16, 20210.31Sep 16, 20210.31Jun 17, 20210.31Mar 18, 2021
20201×
0.29Dec 17, 2020

Stock Splits

  • Mar 21, 2007105:100
  • Mar 22, 2006105:100
  • Mar 22, 2005105:100
  • Mar 26, 2004105:100