A Business at a Glance
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The consolidated financial statements included in this report include the accounts of Republic Bancorp, Inc. and its wholly owned subsidiary, Republic Bank & Trust Company. As used in this report, the terms “Republic,” the “Company,” “we,” “our,” and “us” refer to Republic Bancorp, Inc. and, where the context requires, Republic Bancorp, Inc. and its subsidiary. The term the “Bank” refers to the Company’s subsidiary bank, Republic Bank & Trust Company, as well as its wholly owned subsidiary, RBT Insurance Agency LLC. The Company dissolved Republic Insurance Services, Inc., its former insurance captive subsidiary, in 2023. All significant intercompany balances and transactions are eliminated in consolidation. Republic is an FHC headquartered in Louisville, Kentucky, which is the most populous city in Kentucky.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 417M | 417M | 385M | 360M | 327M | 309M |
| Net Income | 131M | 131M | 101M | 90M | 91M | 88M |
| EPS | $6.72 | $6.72 | $5.21 | $4.62 | $4.59 | $4.28 |
| Free Cash Flow | 161M | 161M | 143M | 102M | 151M | 94M |
| ROIC | 0.0% | 0.0% | 26.9% | 17.0% | 11.3% | 24.9% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 0.08 | 0.08 | 0.10 | 6.23 | 0.02 | 0.35 |
| Dividends/Share | $1.73 | $1.73 | $1.57 | $1.45 | $1.32 | $1.21 |
| Operating Income | 0 | - | - | - | - | - |
| Operating Margin | 0.0% | - | - | - | - | - |
| ROE | 11.9% | 12.5% | 10.6% | 9.9% | 10.6% | 10.5% |
| Shares Outstanding | 20M | 20M | 19M | 20M | 20M | 20M |
REPUBLIC BANCORP INC /KY/ passes 3 of 9 quality checks, indicating weak fundamentals.
REPUBLIC BANCORP INC /KY/ trades at 10.1x trailing earnings, compared to its 15-year median P/E of 10.4x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 8.6x vs a median of 9.6x. The company's 5-year average ROIC is 16.0%. Total shareholder yield (dividends) is 2.3%. At current prices, the estimated annualized return to fair value is +12.3%.
REPUBLIC BANCORP INC /KY/ (RBCAA) has a current P/E ratio of 10.1, compared to its historical median P/E of 10.4. The stock is currently considered Fair based on its historical valuation range.
REPUBLIC BANCORP INC /KY/ (RBCAA) has a 5-year average return on invested capital (ROIC) of 16.0%. This indicates strong capital allocation and a potential competitive advantage.
REPUBLIC BANCORP INC /KY/ (RBCAA) has a market capitalization of $1.5B. It is classified as a small-cap stock.
Yes, REPUBLIC BANCORP INC /KY/ (RBCAA) pays a dividend with a trailing twelve-month yield of 2.33%. The company also returns capital through share buybacks, with a buyback yield of 0.00%.
Based on historical P/E analysis, REPUBLIC BANCORP INC /KY/ (RBCAA) appears fair. The current P/E of 10.1 is 2% below its historical median of 10.4. The estimated fair value CAGR (P/E method) is 8.9%.
REPUBLIC BANCORP INC /KY/ (RBCAA) operates in the State Commercial Banks industry, within the Financials sector.
REPUBLIC BANCORP INC /KY/ (RBCAA) reported annual revenue of $417 million in its most recent fiscal year, based on SEC EDGAR filings.
REPUBLIC BANCORP INC /KY/ (RBCAA) has a net profit margin of 31.5%. This is a strong margin indicating high profitability.
REPUBLIC BANCORP INC /KY/ (RBCAA) generated $161 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
REPUBLIC BANCORP INC /KY/ (RBCAA) has a debt-to-equity ratio of 0.08. This indicates a conservatively financed balance sheet.
REPUBLIC BANCORP INC /KY/ (RBCAA) reported earnings per share (EPS) of $6.72 in its most recent fiscal year.
REPUBLIC BANCORP INC /KY/ (RBCAA) has a return on equity (ROE) of 12.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for REPUBLIC BANCORP INC /KY/ (RBCAA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
REPUBLIC BANCORP INC /KY/ (RBCAA) has a book value per share of $56.41, based on its most recent annual SEC filing.
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