Republic Bancorp Inc. (RBCAA) financials — revenue, cash, debt and margins

Key figures

Trailing twelve months where a flow is involved, latest reported balance where it is not.

Valuation

Market cap: $1.8B
P/E (TTM): —
Price / sales: 4.48
EV / EBITDA: —
Price / book: 1.58

Cash flow

FCF yield: 7.4%
SBC-adjusted FCF yield: 7.3%
SBC impact: 1.8%
Stock compensation (TTM): $2.5M

Margins & growth

Profit margin: 31.3%
Operating margin: —
Quarterly revenue (year on year): 7.9%
Quarterly earnings (year on year): 4.4%

Balance sheet

Cash & investments: $208.5M
Debt: $30.1M
Net cash / (debt): $178.4M

Where the revenue comes from

Traditional Banking is 66% of revenue.

By product or service

Year to Dec 31, 2025 · $50.3M

Transfer Agent35%
$17.7M+15.2% vs. a year earlier
Deposit Account29%
$14.4M+1.8% vs. a year earlier
Credit and Debit Card24%
$12.2M-6.0% vs. a year earlier
Financial Service Other12%
$6M+55.3% vs. a year earlier

These lines are the breakdown as filed. We could not reconcile them against the total revenue for the same period.

By business segment

Year to Dec 31, 2025 · $417.5M

Traditional Banking66%
$273.6M+13.0% vs. a year earlier
Republic Credit Solutions Division15%
$63.8M-1.9% vs. a year earlier
Tax Refund Solutions12%
$48.4M-3.0% vs. a year earlier
Republic Payment Solutions4%
$16.9M+12.1% vs. a year earlier
Warehouse Lending4%
$14.7M+17.3% vs. a year earlier

What it owns and what it owes

Both on one scale, because both are money — the bar that is taller is the one that matters.

Cash and debt

Cash & InvestmentsTotal Debt

Cash counts short-term investments, not just the bank balance — technology companies park most of it in marketable securities, and leaving those out understates it several times over. Debt includes lease obligations.

The rest of the series

Not on the overview because five charts is as much as one decision needs — but here in full, on one period switch. Each bar sums the four quarters ending there — a full year, brought up to today.

Total Revenue

$409.49MQ2 2026+1.8%

1Y: +0.53%2Y: +11.30%5Y: +15.37%

Everything the company sold, before any costs. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit

$128MQ2 2026+1.1%31.3% of revenue

1Y: +2.97%2Y: +31.90%5Y: +41.04%

What was left after every cost, including tax. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit margin

31.3%Q2 2026-0.7%

How much of every dollar of sales the company keeps as profit. A grocer keeps a few cents; a software company can keep half. Each point covers the four quarters ending there — a full year, brought up to today.

Free Cash Flow

$136.44MQ2 2026-3.7%

1Y: -16.81%2Y: +21.71%5Y: +62.46%

Cash left over after running and maintaining the business. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit per share

$0.77Q1 2016+20.3%

No TTM figures — showing Quarterly

The same profit, split across every share. If this lags the profit chart above, the company is issuing shares and your slice is getting smaller. Restated onto today’s share count, so stock splits do not show as jumps. Each quarter on its own, so seasonal highs and lows are visible.

Shares outstanding

19.83MQ2 2026+0.1%

How many shares the profit is divided across. Rising is dilution; falling is the company buying itself back. Restated onto today’s basis, so splits do not show as jumps. Each point covers the four quarters ending there — a full year, brought up to today.

Dividends paid

$35.63MQ2 2026+2.6%

1Y: +11.05%2Y: +21.45%5Y: +48.19%

Cash handed to shareholders. A flat line at zero means the company pays none. Each bar sums the four quarters ending there — a full year, brought up to today.

About Republic Bancorp Inc.

Ticker: RBCAA
SEC classification: State Commercial Banks (6022)
Listed on: Nasdaq
Incorporated in: KY
Financial year ends: December 31
Filer size: Accelerated filer

About this data

Everything above comes from Republic Bancorp Inc.’s own filings with the SEC, as reported. No estimates, no analyst figures, nothing adjusted.

Share-count jumps we cannot explain: 1,002.06x around Dec 31, 2015. No split accounts for these, so nothing was adjusted — most often it is real dilution rather than a data problem, which is why it is flagged and not corrected.

Not reported by this filer: Cost of Revenue, Gross Profit, R&D Expense, SG&A Expense, Total Operating Expenses, Operating Income, Current Assets, Current Liabilities, Inventory, Receivables, Long-term Debt (noncurrent), Long-term Debt (current), Borrowings (total), Operating Lease (current), Operating Lease (noncurrent), Finance Lease (current), Finance Lease Liabilities (total), and Finance Lease (noncurrent). Companies choose which XBRL tags to use, and anything untagged cannot be recovered — so these are blank rather than guessed.