Republic Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	127.51	101.37	90.37	91.11	87.61	83.25
Depreciation & Amortization	14.97	14.63	15.01	18.05	18.31	13.48
Gain (Loss) on Sale of Assets	-	-0	-	-	-0.45	-0.42
Gain (Loss) on Sale of Investments	2.68	5.2	4.88	5.06	4.88	3.31
Total Asset Writedown	0.21	0.21	0.21	0.21	-0.29	0.61
Provision for Credit Losses	34.47	54.38	47.62	22.35	14.81	31.28
Net Decrease (Increase) in Loans Originated / Sold - Operating	14.03	13.85	6.75	51.12	30.52	17.98
Accrued Interest Receivable	-2.91	-1.68	-4.88	-3.7	3.05	-0.01
Change in Other Net Operating Assets	-2.11	-12.34	-29.25	0.06	-6.46	-23.26
Other Operating Activities	-9.38	-8.96	-10.38	-10.55	-9.18	1.06
Operating Cash Flow	157.45	149	108.53	154.79	100.25	75.43
Operating Cash Flow Growth	5.85%	37.29%	-29.89%	54.40%	32.91%	-28.29%
Capital Expenditures	-8.32	-5.81	-6.9	-3.5	-5.79	-3.58
Sale of Property, Plant and Equipment	-	-	-	-	0.64	0.89
Cash Acquisitions	-	-	-40.97	-	-	-
Investment in Securities	-381.63	67.11	82.27	-220.2	28.05	-37.94
Net Decrease (Increase) in Loans Originated / Sold - Investing	-17.11	-241.79	-538.95	-31.97	319.36	-388.15
Other Investing Activities	-1.87	-0.71	-12.41	1.17	-35.71	6.76
Investing Cash Flow	-408.92	-181.03	-516.95	-254.51	306.55	-422.02
Short-Term Debt Issued	-	5.7	-	-	79.94	43.41
Long-Term Debt Issued	-	830	1,018	95	25	590
Total Debt Issued	513.7	835.7	1,018	95	104.94	633.41
Short-Term Debt Repaid	-	-	-119.34	-74.01	-	-
Long-Term Debt Repaid	-	-815	-733	-25	-275	-1,105
Total Debt Repaid	-513.56	-815	-852.34	-99.01	-275	-1,105
Net Debt Issued (Repaid)	0.14	20.7	165.66	-4.01	-170.06	-471.59
Issuance of Common Stock	1.04	0.67	0.63	0.64	0.59	0.53
Repurchase of Common Stock	-0.07	-	-20.28	-12.58	-47.53	-3.94
Common Dividends Paid	-32.97	-30.51	-28.35	-26.15	-24.7	-23.2
Net Increase (Decrease) in Deposit Accounts	236.65	157.38	293.64	-301.47	106.42	947.17
Other Financing Activities	0.06	-0.64	-0	-	-0.14	-2.11
Financing Cash Flow	204.85	147.61	411.3	-343.56	-135.42	446.87
Net Cash Flow	-46.63	115.58	2.88	-443.28	271.38	100.28
Free Cash Flow	149.13	143.19	101.64	151.29	94.47	71.85
Free Cash Flow Growth	4.83%	40.89%	-32.82%	60.15%	31.48%	-22.16%
Free Cash Flow Margin	39.42%	43.34%	32.69%	52.87%	32.18%	24.94%
Free Cash Flow Per Share	7.53	7.25	5.12	7.53	4.55	3.41
Cash Interest Paid	107.83	119.75	63.45	7.41	5.85	22.4
Cash Income Tax Paid	26.49	27.49	21.49	21.64	20.07	24.93

Updated Oct 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q