RBCAA
REPUBLIC BANCORP INC /KY/REPUBLIC BANCORP INC /KY/ reported revenue of $417.50M in its most recent fiscal year, up 8.5% on the year before. It kept 31.5% of that as net income, and generated $161.11M of free cash flow. Figures below are compared against other companies classified under State Commercial Banks.
Grades vs. industry
Growth
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Revenue growth (YoY) Latest fiscal year revenue vs. the year before. | 8.5% | 5.8% | 16 / 52 |
Revenue growth (3y) Annualized revenue growth over three fiscal years. | 8.5% | 6.1% | 17 / 50 |
Revenue growth (5y) Annualized revenue growth over five fiscal years. | 5.5% | 5.4% | 18 / 36 |
EPS growth (YoY) Diluted EPS vs. the prior fiscal year. | Not reported | 15.3% | — |
EPS growth (3y) Annualized diluted EPS growth over three fiscal years. | Not reported | 0.0% | — |
EPS growth (5y) Annualized diluted EPS growth over five fiscal years. | Not reported | 8.1% | — |
Free cash flow growth (YoY) Operating cash flow less capital expenditure, vs. prior year. | 12.5% | 11.0% | 58 / 125 |
Free cash flow growth (3y) Annualized free cash flow growth over three fiscal years. | 2.1% | -4.0% | 44 / 124 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Profitability
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Gross margin Gross profit as a share of revenue. Often unreported. | Not reported | — | — |
Operating margin Operating income as a share of revenue. | Not reported | — | — |
Net margin Net income as a share of revenue. | 31.5% | 123.9% | 26 / 47 |
Free cash flow margin Free cash flow as a share of revenue. | 38.6% | 147.4% | 26 / 42 |
Return on equity Net income divided by shareholder equity. | 11.9% | 9.6% | 38 / 155 |
Return on assets Net income divided by total assets. | 1.9% | 1.0% | 6 / 156 |
Return on invested capital After-tax operating profit over debt plus equity less cash. | Not reported | — | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Insider activity
Trades reported by officers, directors and 10% shareholders on SEC Form 4. None of the last 21 reported transactions were open-market purchases — grants, option exercises and sales make up the majority of insider filings at most companies.
| Date | Insider | Transaction | Shares | Price | Value |
|---|---|---|---|---|---|
| Oct 20, 2026 | Powell Anthony T EVP, CHIEF LENDING OFFICER | Withheld for tax | 3,796 | $91.96 | $349.1K |
| Oct 20, 2026 | Powell Anthony T EVP, CHIEF LENDING OFFICER | Option exercise | 5,376 | $42.74 | $229.8K |
| Oct 20, 2026 | Powell Anthony T EVP, CHIEF LENDING OFFICER | Option exercise(derivative) | 5,376 | $0.00 | $0.00 |
| Oct 10, 2026 | Trager Kusman Andrew Director | Withheld for tax | 181 | $90.93 | $16.5K |
| Sep 30, 2026 | Cannon Yoania Director | Grant or award | 142 | $91.70 | $13.0K |
| Sep 30, 2026 | Howell Heather V Director | Grant or award | 125 | $91.70 | $11.5K |
| Sep 30, 2026 | Ravichandran Vidya Director | Grant or award | 115 | $91.70 | $10.5K |
| Sep 30, 2026 | MARSHALL ERNEST W JR Director | Grant or award | 98 | $91.70 | $9.0K |
| Sep 30, 2026 | Vogt Mark A Director | Grant or award | 98 | $91.70 | $9.0K |
| Sep 30, 2026 | PICHEL LOGAN PRESIDENT & CEO, REPUBLIC BANK | Grant or award | 63 | $91.70 | $5.8K |
| Sep 30, 2026 | Powell Anthony T EVP, CHIEF LENDING OFFICER | Grant or award | 50 | $91.70 | $4.6K |
| Sep 30, 2026 | VanAllen Cheryl EVP & CHIEF PEOPLE OFFICER | Grant or award | 50 | $91.70 | $4.6K |
| Sep 30, 2026 | SIPES KEVIN D EVP & CHIEF FINANCIAL OFFICER | Grant or award | 50 | $91.70 | $4.6K |
| Sep 30, 2026 | Montano Juan EVP, CHIEF MTG BANKING OFFICER | Grant or award | 50 | $91.70 | $4.6K |
| Sep 30, 2026 | Starke Jeff EVP, CHIEF INFORMATION OFFICER | Grant or award | 50 | $91.70 | $4.6K |
| Sep 30, 2026 | Ames Christy EVP, GENERAL COUNSEL | Grant or award | 50 | $91.70 | $4.6K |
| Sep 30, 2026 | Green Jennifer N Director | Grant or award | 49 | $91.70 | $4.5K |
| Sep 30, 2026 | Shuman Brent J Interim President RPG | Grant or award | 25 | $91.70 | $2.3K |
| Sep 30, 2026 | Nardi Scott SVP, Risk & Compliance Officer | Grant or award | 3 | $91.70 | $249.97 |
| Sep 18, 2026 | Shuman Brent J Interim President RPG | Withheld for tax | 121 | $93.84 | $11.4K |
| Sep 18, 2026 | Nardi Scott SVP, Risk & Compliance Officer | Withheld for tax | 118 | $93.84 | $11.1K |
A dash under price or value means none was reported, which is normal for grants and gifts — it does not mean the shares were free. Option exercises and awards are compensation arriving on a schedule, not a judgement about the stock.
Annual financials
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $417.50M | $384.80M | $360.24M | $326.50M | $309.31M | $319.37M | $311.13M | $289.48M | — | — |
| Net income | $131.32M | $101.37M | $90.37M | $91.11M | $87.61M | $83.25M | $91.70M | $77.85M | $45.63M | $45.90M |
| Operating cash flow | $168.21M | $149.00M | $108.53M | $154.79M | $100.25M | $75.43M | $105.19M | $119.21M | $77.78M | $47.67M |
| Capital expenditure | $7.10M | $5.81M | $6.90M | $3.50M | $5.79M | $3.58M | $12.88M | $9.82M | $12.38M | $7.03M |
| Free cash flow | $161.11M | $143.19M | $101.64M | $151.29M | $94.47M | $71.85M | $92.30M | $109.39M | $65.39M | $40.64M |
| Total assets | $7.04B | $6.85B | $6.59B | $5.84B | $6.17B | $6.17B | $5.62B | $5.24B | $5.09B | $4.82B |
| Shareholder equity | $1.10B | $992.03M | $912.76M | $856.61M | $835.05M | $823.32M | $764.24M | $689.93M | $632.42M | $604.41M |
| Cash | $219.97M | $432.15M | $316.57M | $313.69M | $756.97M | $485.59M | $385.30M | $351.47M | $299.35M | $289.31M |
A dash means the figure was not tagged in that year’s filing. It does not mean zero. Figures reflect the most recent filing covering each period, so restated years show their restated values.
Source
Figures come from REPUBLIC BANCORP INC /KY/’s filings with the SEC, as submitted in XBRL. The most recent annual figures are from a 10-K filed Mar 6, 2026. View filings on EDGAR.