Republic Bancorp (RBCAA) financial statements
Republic Bancorp reported revenue of $417M in fiscal 2025, up 7.7% a year over 9 years.
Net income was $131M.
Free cash flow was $161M, and the company returned $34M in dividends and $72,000 in net buybacks.
The diluted share count fell 5% over the period (buybacks).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Republic Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $214M | $257M | $289M | $311M | $319M | $309M | $327M | $360M | $385M | $417M |
| Interest expense | $18M | $20M | $30M | $45M | $20M | $6M | $7M | $67M | — | — |
| Pre-tax income | $69M | $78M | $94M | $113M | $103M | $111M | $117M | $113M | $128M | $166M |
| Income tax | $23M | $33M | $16M | $21M | $19M | $24M | $26M | $23M | $26M | $34M |
| Net income | $46M | $46M | $78M | $92M | $83M | $88M | $91M | $90M | $101M | $131M |
| Diluted shares | 21M | 21M | 21M | 21M | 21M | 21M | 20M | 20M | 20M | 20M |
| Net margin | 21.5% | 17.8% | 26.9% | 29.5% | 26.1% | 28.3% | 27.9% | 25.1% | 26.3% | 31.5% |
Balance sheet
Fiscal years, from Republic Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $289M | $299M | $351M | $385M | $486M | $757M | $314M | $317M | $432M | $220M |
| Property, plant and equipment | $40M | $43M | $43M | $46M | $40M | $36M | $32M | $33M | $32M | $36M |
| Goodwill | $16M | $16M | $16M | $16M | $16M | $16M | $16M | $41M | $41M | $41M |
| Total assets | $4.8B | $5.1B | $5.2B | $5.6B | $6.2B | $6.2B | $5.8B | $6.6B | $6.8B | $7.0B |
| Total liabilities | $4.2B | $4.5B | $4.6B | $4.9B | $5.3B | $5.3B | $5.0B | $5.7B | $5.9B | $5.9B |
| Shareholders' equity | $604M | $632M | $690M | $764M | $823M | $835M | $857M | $913M | $992M | $1.1B |
| Net debt | -$289M | -$299M | -$351M | -$385M | -$486M | -$757M | -$314M | -$317M | -$432M | -$220M |
Cash flow
Fiscal years, from Republic Bancorp's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $48M | $78M | $119M | $105M | $75M | $100M | $155M | $109M | $149M | $168M |
| Capital spending | $7M | $12M | $10M | $13M | $4M | $6M | $4M | $7M | $6M | $7M |
| Free cash flow | $41M | $65M | $109M | $92M | $72M | $94M | $151M | $102M | $143M | $161M |
| Stock-based compensation | $1M | $1M | $1M | $1M | $953,000 | $2M | $2M | $1M | $1M | $2M |
| Dividends paid | $17M | $18M | $19M | $21M | $23M | $25M | $26M | $28M | $31M | $34M |
| Share buybacks (net) | -$1M | -$1M | -$827,000 | -$1M | -$4M | -$48M | -$13M | -$20M | — | -$72,000 |
| Free cash flow margin | 19.0% | 25.5% | 37.8% | 29.7% | 22.5% | 30.5% | 46.3% | 28.2% | 37.2% | 38.6% |
| Dividends per share | $0.80 | $0.84 | $0.93 | $1.01 | $1.10 | $1.19 | $1.30 | $1.43 | $1.55 | $1.71 |
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Open RBCAA in InvestinglyQuestions
What was Republic Bancorp's revenue in 2025?
$417M in fiscal 2025, from its 10-K filing.
How much free cash flow does Republic Bancorp generate?
$161M in fiscal 2025 (operating cash flow minus capital spending).
From Republic Bancorp's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.