Republic Bancorp, Inc. (RBCAA)

Republic Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	334.67	303.86	297.07	236.69	222.74
Net Interest Income Growth	10.14%	2.29%	25.51%	6.26%	-4.12%
Non-Interest Income	78.74	72.65	75.55	89.81	85.4
Non-Interest Income Growth	8.38%	-3.84%	-15.88%	5.17%	-1.85%
Revenues Before Loan Losses	413.41	376.51	372.62	326.5	308.14
Provision for Credit Losses	31.6	54.38	47.62	22.35	14.81
Revenue	381.81	322.14	324.99	304.15	293.33
Revenue Growth (YoY)	18.52%	-0.88%	6.85%	3.69%	1.84%
Compensation Expenses	127.06	118.65	115.87	111.24	110.09
Selling, General & Admin	63.29	60.49	57.45	55.74	53.45
Other Non-Interest Expenses	29.84	23.59	26.08	21.53	19.53
Total Non-Interest Expense	220.19	202.73	199.4	187.31	183.07
Pretax Income	165.71	127.7	113.21	116.85	111.44
Provision for Income Taxes	34.39	26.33	22.84	25.74	23.83
Net Income	131.32	101.37	90.37	91.11	87.61
Net Income to Common	131.32	101.37	90.37	91.11	87.61
Net Income Growth	29.54%	12.17%	-0.80%	3.99%	5.24%
Shares Outstanding (Basic)	18	17	18	20	21
Shares Outstanding (Diluted)	20	20	20	20	21
Shares Change (YoY)	0.37%	-0.59%	-1.23%	-3.16%	-1.48%
EPS (Basic)	6.74	5.24	4.64	4.60	4.29
EPS (Diluted)	6.72	5.21	4.62	4.59	4.28
EPS Growth	28.98%	12.77%	0.65%	7.24%	7.27%
Free Cash Flow	161.11	143.19	101.64	151.29	96.55
Free Cash Flow Growth	12.51%	40.89%	-32.82%	56.69%	34.00%
Free Cash Flow Per Share	8.13	7.26	5.12	7.53	4.65
Dividends Per Share	-	1.628	1.496	1.364	1.232
Dividend Growth	-	8.82%	9.68%	10.71%	7.69%
Profit Margin	34.39%	31.48%	27.82%	29.98%	29.87%
FCF Margin	42.19%	44.47%	31.28%	49.79%	32.91%
EBITDA	8.51	8.64	8.94	9.36	12.44
EBITDA Margin	2.23%	2.68%	2.75%	3.08%	4.24%
Effective Tax Rate	20.75%	20.62%	20.17%	22.03%	21.38%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q