RBCAA
REPUBLIC BANCORP INC /KY/
NASDAQ · Financial Services · Banks - Regional · US
$92.90
+1.89%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 512.5M | 521.3M | 499.8M | 421.6M | 316.2M |
| Cost of Revenue | 126.1M | 135.4M | 175.2M | 114.9M | 29.8M |
| Gross Profit | 386.4M | 385.9M | 324.6M | 306.6M | 286.4M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 157.0M | 149.0M | 131.1M | 127.0M | 119.8M |
| General & Admin Expense | 151.5M | 141.2M | 121.7M | 118.6M | 112.9M |
| Selling & Marketing Expense | 5.5M | 7.7M | 9.4M | 8.4M | 6.9M |
| Other Expenses | 57.6M | 71.2M | 65.8M | 66.4M | 49.8M |
| Total Operating Expenses | 214.7M | 220.2M | 196.9M | 193.4M | 169.5M |
| Cost and Expenses | 340.8M | 355.6M | 372.1M | 308.3M | 199.4M |
| Operating Income (EBIT) | 171.7M | 165.7M | 127.7M | 113.2M | 116.8M |
| Non-Operating | |||||
| Interest Income | 427.2M | 438.5M | 433.0M | 356.1M | 244.2M |
| Interest Expense | 90.6M | 103.8M | 120.8M | 67.3M | 7.5M |
| Net Interest Income | 336.6M | 334.7M | 312.2M | 288.8M | 236.7M |
| Other Non-Op Income/Expense | (6.5M) | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 165.2M | 165.7M | 127.7M | 113.2M | 116.8M |
| Income Tax Expense | 35.8M | 34.4M | 26.3M | 22.8M | 25.7M |
| Bottom Line | |||||
| Net Income | 129.3M | 131.3M | 101.4M | 90.4M | 91.1M |
| Earnings from Cont. Ops | 129.3M | 131.3M | 101.4M | 90.4M | 91.1M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 129.3M | 131.3M | 101.4M | 90.4M | 91.1M |
| Per Share | |||||
| Basic EPS | $6.54 | $6.65 | $5.21 | $4.61 | $4.59 |
| Diluted EPS | $6.51 | $6.63 | $5.18 | $4.55 | $4.57 |
| Revenue Per Share | $25.83 | $26.40 | $25.69 | $21.51 | $15.94 |
| Shares | |||||
| Basic Shares Outstanding | 19.8M | 19.7M | 19.5M | 19.6M | 19.8M |
| Diluted Shares Outstanding | 19.9M | 19.8M | 19.5M | 19.9M | 19.9M |
| Profitability Metrics | |||||
| EBITDA | 183.4M | 180.4M | 142.3M | 128.2M | 134.9M |
| D&A | 11.7M | 14.7M | 14.6M | 15.0M | 18.1M |
| EBIT | 171.7M | 165.7M | 127.7M | 113.2M | 116.8M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026