RBCAANasdaqState Commercial BanksFiscal year ends December 31
REPUBLIC BANCORP INC /KY/
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$90.67−1.72 (-1.86%)
Close on Oct 19, 2026
- Market cap
- $1.80B
- P/E (TTM)
- 14.1
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
31.5%+5.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +8.5% | +8.5% | +5.5% | +9.3% | |
| Net income | +29.5% | +13.0% | +9.5% | +14.1% | |
| Free cash flow | +12.5% | +2.1% | +17.5% | +13.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 7.8% | 10.5% | 12.5% | |
| Return on assets | 1.0% | 1.4% | 1.9% | |
| Capex to revenue | 3.3% | 1.1% | 1.7% | |
| Diluted shares | 21M | 21M | 20M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Republic Bancorp generated $680.78M from operations and spent $253.11M on capital expenditure, dividends and share buybacks. 11% of that went back into the business.
Generated
$680.78M
Used
$253.11M
Capital expenditure$29.10M11%Dividends$143.55M57%Share buybacks$80.46M32%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin31.5%
×Asset turnover0.06×
×Equity multiplier6.63×
=Return on equity, FY202512.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 31.5% | 0.06× | 6.63× | 12.5% |
| FY2024 | 26.3% | 0.06× | 7.06× | 10.6% |
| FY2023 | 25.1% | 0.06× | 7.03× | 10.2% |
| FY2022 | 27.9% | 0.05× | 7.10× | 10.8% |
| FY2021 | 28.3% | 0.05× | 7.44× | 10.6% |
| FY2020 | 26.1% | 0.05× | 7.43× | 10.5% |
| FY2019 | 29.5% | 0.06× | 7.47× | 12.6% |
| FY2018 | 26.9% | 0.06× | 7.81× | 11.8% |
| FY2017 | 17.8% | 0.05× | 8.01× | 7.4% |
| FY2016 | 21.5% | 0.05× | 7.66× | 7.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$131.32M
- Cash generatingOperating cash flow above zero$168.21M
- Return on assets improvedROA up on the prior year1.5% → 1.9%
- Earnings backed by cashOperating cash flow above net income$168.21M vs $131.32M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise20M → 20M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.06 → 0.06