Republic Bancorp Inc. | Small-cap | Financial Services
$68.72
-2.80%
| Republic Bancorp Stock Comparison:
Republic Bancorp vs Nu HoldingsRepublic Bancorp vs U.S. BancorpRepublic Bancorp vs OFG BancorpRepublic Bancorp vs Northwest BancsharesRepublic Bancorp vs LendingClubRepublic Bancorp vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 134.2M
Net Income 47.3M 35.22%
EPS (Diluted) $2.42

Balance Sheet Metrics

Total Assets 7.1B
Total Liabilities 6.0B
Shareholders Equity 1.0B
Debt to Equity 5.84

Cash Flow Metrics

Operating Cash Flow 77.7M
Free Cash Flow 91.6M

Revenue & Profitability Trend

Republic Bancorp Income Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Revenue i 379.0M 354.3M 308.7M 304.4M 315.1M
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 131.1M 127.0M 119.8M 116.1M 111.2M
Other Operating Expenses i - - - - -
Total Operating Expenses i 131.1M 127.0M 119.8M 116.1M 111.2M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 127.7M 113.2M 116.8M 111.4M 102.6M
Income Tax i 26.3M 22.8M 25.7M 23.8M 19.4M
Effective Tax Rate % i 20.6% 20.2% 22.0% 21.4% 18.9%
Net Income i 101.4M 90.4M 91.1M 87.6M 83.2M
Net Margin % i 26.7% 25.5% 29.5% 28.8% 26.4%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i $5.24 $4.64 $4.60 $4.25 $4.00
EPS (Diluted) i $5.21 $4.62 $4.59 $4.24 $3.99
Basic Shares Outstanding i 19650000 19792000 20037000 20675000 21039000
Diluted Shares Outstanding i 19650000 19792000 20037000 20675000 21039000

Income Statement Trend

Republic Bancorp Balance Sheet From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Assets
Current Assets
Cash & Equivalents i 432.2M 316.6M 313.7M 757.0M 485.6M
Short-term Investments i 342.9M 591.3M 620.4M 495.1M 523.9M
Accounts Receivable i - - - - -
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i 36.2M 34.7M 37.0M 38.8M 43.3M
Goodwill i 81.0M 81.0M 32.6M 32.6M 32.6M
Intangible Assets i - - - - -
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 6.8B - - - -
Liabilities
Current Liabilities
Accounts Payable i - - - - -
Short-term Debt i - - - - -
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 432.1M 415.5M 132.8M 64.7M 320.6M
Deferred Tax Liabilities i - - - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 5.9B - - - -
Equity
Common Stock i 4.6M 4.6M 4.6M 4.7M 4.9M
Retained Earnings i 853.6M 786.5M 742.2M 688.5M 666.3M
Treasury Stock i - - - - -
Other Equity - - - - -
Total Shareholders Equity i 992.0M 912.8M 856.6M 835.1M 823.3M
Key Metrics
Total Debt i 432.1M 415.5M 132.8M 64.7M 320.6M
Working Capital i 0 0 0 0 0

Balance Sheet Composition

Republic Bancorp Cash Flow Statement From 2020 to 2024

Metric 2024 2023 2022 2021 2020
Operating Activities
Net Income i 101.4M 90.4M 91.1M 87.6M 83.2M
Depreciation & Amortization i 14.6M 15.0M 18.1M 18.3M 13.5M
Stock-Based Compensation i 2.8M 2.7M 3.0M 2.6M 1.9M
Working Capital Changes i -12.9M -30.3M -3.6M -3.6M -25.7M
Operating Cash Flow i 107.6M 70.5M 145.2M 112.2M 76.1M
Investing Activities
Capital Expenditures i -5.8M -6.9M -3.5M -5.1M -2.7M
Acquisitions i 0 -41.0M 0 0 0
Investment Purchases i -299.8M -70.0M -404.8M -211.5M -305.9M
Investment Sales i 381.7M 142.1M 193.5M 239.6M 260.9M
Investing Cash Flow i 60.8M 22.0M -222.5M -13.4M -34.2M
Financing Activities
Share Repurchases i 0 -20.3M -12.6M -47.5M -3.9M
Dividends Paid i -30.5M -28.4M -26.1M -24.7M -23.2M
Debt Issuance i 830.0M 1.0B 95.0M 25.0M 590.0M
Debt Repayment i -815.0M -733.0M -25.0M -275.0M -1.1B
Financing Cash Flow i -15.5M 236.4M 31.3M -322.2M -544.2M
Free Cash Flow i 143.2M 101.6M 151.3M 94.5M 71.8M
Net Change in Cash i 152.9M 328.9M -46.1M -223.4M -502.3M

Cash Flow Trend

Republic Bancorp Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 11.18
Forward P/E 12.74
Price to Book 1.31
Price to Sales 3.77
PEG Ratio 0.47

Profitability Ratios

Profit Margin 33.67%
Operating Margin 44.69%
Return on Equity 12.34%
Return on Assets 1.83%

Financial Health

Debt to Equity 0.46
Beta 0.55

Per Share Data

EPS (TTM) $6.37
Book Value per Share $54.29
Revenue per Share $18.74

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
rbcaa 1.4B 11.18 1.31 12.34% 33.67% 0.46
Nu Holdings 74.7B 32.19 7.64 27.88% 39.32% 0.36
U.S. Bancorp 73.5B 11.36 1.36 11.67% 27.00% 1.34
OFG Bancorp 1.9B 9.95 1.42 15.20% 31.43% 0.38
Northwest Bancshares 1.8B 11.13 0.97 8.97% 25.54% 0.29
LendingClub 1.8B 24.06 1.26 5.50% 5.93% 1.59

Financial data is updated regularly. All figures are in the company's reporting currency.