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REPUBLIC BANCORP INC /KY/ (RBCAA)

As-reported financials and SEC filings for REPUBLIC BANCORP INC /KY/. The latest annual period is FY2025. The latest reported quarter is Q2 FY2026. Financial statements come straight from the company’s EDGAR filings; valuation figures such as P/E and market cap use market data.

About REPUBLIC BANCORP INC /KY/

Republic Bancorp Inc operates as a bank holding company providing traditional banking services. Its main products include deposit accounts, credit and debit cards, mortgage loans, and warehouse lending. The company serves individual and business customers through various financial service segments.

Snapshot

Revenue
$417.5M
Revenue growth (YoY)
8.5%
Net income
$131.3M
Diluted EPS
Gross margin
Operating margin
Net margin
31.5%
FCF margin
38.6%
ROE
11.9%
net income / fiscal-year-end equity
P/E
14.5×
trailing when available, otherwise FY EPS
Market cap
$1.86B
Long-term debt / equity
non-current term debt only

Fundamentals are from SEC filings for FY2025, the latest annual period (ended December 31, 2025). P/E and market cap are derived from stored market prices, last retrieved on a rolling basis and typically within the past week.

What changed at Republic Bancorp Inc /ky/

  • Revenue grew 8.5% to $417M in FY2025, in line with the 6.8% the year before.
  • Most recent quarter Q2 FY2026: revenue $101M, up 7.9% from Q2 FY2025.
  • Free cash flow was $161M in FY2025, 38.6% of revenue.
  • Net income rose 29.5% to $131M in FY2025.

Computed from the as-reported figures in the statements below. A change we cannot state from filed figures is left out rather than estimated.

Peer comparison

Where Republic Bancorp Inc /ky/’s fundamentals sit among the 76 banks. Each figure is ranked only against peers that report it, from lowest (left) to highest (right).

Net margin31.5%
84th percentile of 76
FCF margin38.6%
79th percentile of 58
Revenue growth (YoY)+8.5%
37th percentile of 76
ROE11.9%
76th percentile of 76
P/E14.5×
77th percentile of 75
Short interest3.91d
27th percentile of 75

No reported insider purchases (code P) in the last 90 days; 2 insider sales totaling $280,499. For context, about 15% of companies in the universe saw any reported insider purchase (code P) in the same window. Browse insider activity →

Percentiles describe where a figure sits among industry peers reporting it (100th = highest). They are position within a peer group, not a rating, and not investment advice. Short interest ranking uses days to cover from FINRA Consolidated Short Interest data; FINRA is the owner and source of that data, included at no additional charge.

Institutional ownership

Held by 7 quant / multi-strat books among the superinvestors we track; no conviction manager currently reports a position.

Conviction investors
0
+7 quant / multi-strat
Initiated / added
5
2 new, 3 added
Reduced / exited
2
2 trimmed, 0 exited
Combined position
$20.4M
reported long value
InvestorAs ofPosition valueSharesChange
Two Sigma InvestmentsquantQ2 2026$10.4M114.6KAdded
Renaissance TechnologiesquantQ2 2026$4.4M49.1KAdded
AQR Capital ManagementquantQ2 2026$2.5M27.8KAdded
D. E. ShawquantQ2 2026$1.3M13.8KNew
Millennium ManagementquantQ2 2026$1.1M12.0KReduced
Point72 Asset ManagementquantQ2 2026$475,7525.3KNew
Citadel AdvisorsquantQ2 2026$227,6122.5KReduced

From quarterly Form 13F filings, which can be up to 45 days delayed. Long US-listed positions only: excludes short positions, options, cash, bonds, and non-US holdings, so this is not a manager’s complete portfolio. Counts are of the investors we track, not all institutions. Not investment advice.

Recent insider activity

Non-derivative buys and sells (codes P/S) reported by officers, directors and 10% owners on SEC Form 4.

Buys (90d)
0
code P
Bought (90d)
code P value
Sells (90d)
2
$280K
Reported activity
Net selling
by $ value, 90d
Trade dateInsiderTypeSharesPriceValue
2026-06-11
filed 2026-06-12
Ames ChristyEVP, GENERAL COUNSELSell340$87.90$30K
2026-06-10
filed 2026-06-12
Powell Anthony TEVP, CHIEF LENDING OFFICERSell3.0K$83.54$251K

Reported non-derivative purchases and sales (codes P/S) — which may be open-market or private; excludes option exercises, grants, and shares withheld for taxes. Dates shown are the trade date; a Form 4 can be filed days to years later. A sale can be routine (e.g. a pre-set 10b5-1 plan), so read individual transactions in context. From SEC Form 4. Not investment advice.

Short interest

Total shares sold short as of each twice-monthly FINRA settlement. Rising short interest means more investors are positioned against the stock; days to cover estimates how many trading days of average volume that position represents.

Shares short
396.1K
settled 2026-08-14
Change vs prior
-6.9%
vs previous settlement
Days to cover
3.91
at avg daily volume
Avg daily volume
101.2K
FINRA reported
SettlementShares shortChangeDays to cover
2026-08-14396.1K-6.9%3.91
2026-07-31425.3K+5.5%3.52
2026-07-15403.1K+16.1%3.63
2026-06-30347.1K+54.8%2.22
2026-06-15224.2K+12.5%2.59
2026-05-29199.2K+6.1%2.91
2026-05-15187.8K-1.3%2.43
2026-04-30190.2K+0.2%2.73

Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data, which is included at no additional charge for your own personal or professional use; republishing or redistributing it is not permitted. Settlement dates are shown; FINRA publishes each settlement about nine business days later, so the latest figure can be two to four weeks old. Not presented as a percentage of float. No FINRA endorsement of this product is implied. Not investment advice.

Bank fundamentals

Regulatory detail for Republic Bank & Trust Company (Louisville, KY), the insured-bank subsidiary, from its FDIC Call Report as of Q1 2026. This is what actually moves bank stocks: deposit franchise, capital, and credit quality that a standard income statement can’t show.

Total deposits
$5.6B
FDIC insured-bank
Uninsured deposits
40.6%
share of deposits
CET1 ratio
16.42%
regulatory capital
Net interest margin
5.48%
trailing
Efficiency ratio
45.6%
lower is better
Noncurrent loans
0.59%
of gross loans

Source: FDIC BankFind (Call Report). Bank-subsidiary figures, filed quarterly ~30 days after quarter-end.

Income statement (as reported)

 FY2025FY2024FY2023FY2022FY2021
Revenue$417.5M$384.8M$360.2M$326.5M$309.3M
Gross profit
Operating income
Net income$131.3M$101.4M$90.4M$91.1M$87.6M
Diluted EPS

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.

Balance sheet (as reported)

 FY2025FY2024FY2023FY2022FY2021
Cash and equivalents$220.0M$432.2M$316.6M$313.7M$757.0M
Current assets
Total assets$7.04B$6.85B$6.59B$5.84B$6.17B
Current liabilities
Long-term debt
Total liabilities$5.94B$5.85B$5.68B$4.98B$5.26B
Total equity$1.10B$992.0M$912.8M$856.6M$835.1M

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.

Cash flow (as reported)

 FY2025FY2024FY2023FY2022FY2021
Operating cash flow$168.2M$149.0M$108.5M$154.8M$100.3M
Capital expenditure$7.1M$5.8M$6.9M$3.5M$5.8M
Free cash flow$161.1M$143.2M$101.6M$151.3M$94.5M

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full details: where the numbers come from.

Quarterly trend (as reported)

QuarterRevenueRevenue YoYNet incomeDiluted EPS
Q2 FY2026$101.3M7.9%$32.9M
Q1 FY2026$120.4M-11.4%$42.6M
Q4 FY2025$94.3M5.3%$22.8M$1.15
Q3 FY2025$93.5M6.2%$29.7M
Q2 FY2025$93.8M8.0%$31.5M
Q1 FY2025$135.8M12.9%$47.3M
Q4 FY2024$89.5M9.7%$19.0M$0.96
Q3 FY2024$88.1M11.3%$26.5M

Latest 8 reported quarters, from company XBRL filings on SEC EDGAR.

Company facts

ExchangeNasdaq
SectorFinancials
SIC industryState Commercial Banks
Latest annual periodFY2025 (ended December 31, 2025)
Latest reported quarterQ2 FY2026 (ended June 30, 2026)
Oldest indexed filing2019
SEC CIK921557

Selected SEC filings

10-Q2026-08-07
View on EDGAR →
10-Q2026-05-07
View on EDGAR →
8-K2026-07-24
View on EDGAR →
8-K2026-07-20
View on EDGAR →
8-K2026-07-15
View on EDGAR →
8-K2026-05-20
View on EDGAR →

Largest bank peers

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Data sourced from SEC EDGAR. Figures are as-reported and may be unaudited or restated; verify against the source filing before relying on them. Informational only. Not investment advice.