balance equationreview2021-12-31
Difference 74693000 exceeds tolerance 6168325.000. Presentation or filing-vintage differences need review.
Revenue
$417.50M
Fiscal year ended 2025-12-31Net income
$131.32M
Fiscal year ended 2025-12-31Total assets
$7.04B
Fiscal year ended 2025-12-31REPUBLIC BANCORP INC /KY/ (RBCAA) reported revenue of $417.50M and net income of $131.32M for the fiscal year ended 2025-12-31. This page shows 8 annual periods of income statement, balance sheet and cash flow figures normalized from REPUBLIC BANCORP INC /KY/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under State Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $417.50M | $384.80M | $360.24M | $326.50M | $309.32M | $319.37M | $311.13M | $289.48M |
| Cost of revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Net income | $131.32M | $101.37M | $90.37M | $91.11M | $87.61M | $83.25M | $91.70M | $77.85M |
| Research & development | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 19.81M | shares 19.74M | shares 19.85M | shares 20.10M | shares 20.76M | shares 21.07M | shares 21.14M | shares 21.06M |
| Pretax income | $165.71M | $127.70M | $113.21M | $116.84M | $111.44M | $102.63M | $113.19M | $94.26M |
| Income tax expense | $34.39M | $26.33M | $22.84M | $25.74M | $23.83M | $19.39M | $21.49M | $16.41M |
| Diluted EPS | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $219.97M | $432.15M | $316.57M | $313.69M | $756.97M | $485.59M | $385.30M | $351.47M |
| Total assets | $7.04B | $6.85B | $6.59B | $5.84B | $6.17B | $6.17B | $5.62B | $5.24B |
| Current assets | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total liabilities | $5.94B | $5.85B | $5.68B | $4.98B | $5.26B | $5.35B | $4.86B | $4.55B |
| Current liabilities | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $1.10B | $992.03M | $912.76M | $856.61M | $835.05M | $823.32M | $764.24M | $689.93M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Goodwill | $40.52M | $40.52M | $40.52M | $16.30M | $16.30M | $16.30M | $16.30M | $16.30M |
| Long-term debt | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $168.21M | $149.00M | $108.53M | $154.79M | $100.25M | $75.43M | $105.19M | $119.21M |
| Capital expenditures | $7.10M | $5.81M | $6.90M | $3.50M | $5.78M | $3.58M | $12.88M | $9.82M |
| Investing cash flow | -$436.12M | -$181.03M | -$516.95M | -$254.51M | $306.55M | -$422.02M | -$435.21M | -$121.54M |
| Financing cash flow | $55.73M | $147.61M | $411.30M | -$343.56M | -$135.42M | $446.87M | $363.85M | $54.44M |
| Net change in cash | -$212.18M | $115.58M | $2.88M | -$443.28M | $271.38M | $100.28M | $33.83M | $52.12M |
| Stock-based compensation | $2.12M | $1.31M | $1.30M | $1.75M | $1.54M | $953.00K | $1.04M | $1.00M |
| Common dividends paid | $33.85M | $30.51M | $28.35M | $26.14M | $24.70M | $23.20M | $21.38M | $19.50M |
| Common share repurchases | $72.00K | Unavailable | $20.28M | $12.58M | $47.53M | $3.94M | $1.42M | $827.00K |
| Depreciation & amortization | $6.68M | $6.91M | $7.06M | $7.60M | $8.99M | $9.72M | $9.23M | $9.35M |
Derived
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Free cash flow | $161.11M | $143.19M | $101.64M | $151.29M | $94.47M | $71.85M | $92.30M | $109.39M |
| Gross margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| FCF margin | 38.6% | 37.2% | 28.2% | 46.3% | 30.5% | 22.5% | 29.7% | 37.8% |
| SBC / revenue | 0.5% | 0.3% | 0.4% | 0.5% | 0.5% | 0.3% | 0.3% | 0.3% |
| Current ratio | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | 8.5% | 6.8% | 10.3% | 5.6% | -3.1% | 2.6% | 7.5% | Unavailable |
| Net margin | 31.5% | 26.3% | 25.1% | 27.9% | 28.3% | 26.1% | 29.5% | 26.9% |
| R&D / revenue | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | 1.7% | 1.5% | 1.9% | 1.1% | 1.9% | 1.1% | 4.1% | 3.4% |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 20.8% | 20.6% | 20.2% | 22.0% | 21.4% | 18.9% | 19.0% | 17.4% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open RBCAA in the interactive workspace to inspect any figure back to its filing.
Source filings
10-Q · Filed 2026-08-07View SEC filing
10-Q · Filed 2026-05-07View SEC filing
10-K · Filed 2026-03-06View SEC filing
10-Q · Filed 2025-11-06View SEC filing
10-Q · Filed 2025-08-07View SEC filing
10-Q · Filed 2025-05-08View SEC filing
Reconciliation checks needing review
1 period on this page do not reconcile under this site’s normalization. Read that as a limitation here before an observation about the company: the figures are the filer’s own, the filings linked above are authoritative, and a difference usually means the concepts this site selected do not match how this filer presents its statements. Nothing is adjusted to make a check pass.