Republic Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	131.32	101.37	90.37	91.11	87.61
Depreciation & Amortization	8.51	8.64	8.94	9.36	12.44
Provision for Credit Losses	31.56	54.53	47.71	22.65	14.8
Stock-Based Compensation	3.11	2.82	2.74	2.58	2.57
Net Change in Loans Held-for-Sale	-3.45	-4.73	-8.06	34.87	631.44
Other Adjustments	-3.71	-2.42	-1.16	-1.03	-14.74
Changes in Accrued Interest and Accounts Receivable	-2.16	-1.68	-4.88	-3.7	3.05
Changes in Accounts Payable	-1.87	1.08	3.83	0.04	-0.18
Changes in Other Operating Activities	4.9	-12.34	-29.25	0.05	-6.46
Operating Cash Flow	168.21	149	108.53	154.79	100.25
Operating Cash Flow Growth	12.90%	37.29%	-29.89%	54.40%	32.91%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-203.33	-211.04	64.84	446.99	172.55
Net Change in Loans Held-for-Investment	75.81	-30.76	-598.48	-478.96	207.12
Net Change in Securities and Investments	-310.89	66.4	67.64	-217.04	232.28
Payments for Business Acquisitions	-	-40.97	-	-	-211.55
Capital Expenditures	-7.1	-5.81	-6.9	-3.5	-3.71
Sale of Property, Plant & Equipment	-	0.17	-	-	0.95
Other Investing Activities	4.09	2.22	-	-	-28.9
Investing Cash Flow	-436.12	-181.03	-516.95	-254.51	306.55
Net Change in Deposits	-7.4	157.38	293.64	-301.47	106.42
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-14.81	5.7	-119.34	-74.01	79.94
Long-Term Debt Issued	639	830	1,018	25	25
Long-Term Debt Repaid	-528	-815	-733	-	-275
Net Long-Term Debt Issued (Repaid)	111	15	285	25	-250
Issuance of Common Stock	0.87	0.03	0.63	0.64	0.56
Repurchase of Common Stock	0.07	-	20.28	12.58	47.53
Net Common Stock Issued (Repurchased)	0.94	0.03	20.9	13.22	48.09
Common Dividends Paid	-33.85	-30.51	-28.35	-26.15	-24.7
Financing Cash Flow	55.73	147.61	411.3	-343.36	-135.42
Net Cash Flow	-212.18	115.58	2.88	-443.08	271.38
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%
FCF Margin	42.19%	44.47%	31.28%	49.79%	32.91%
Free Cash Flow Per Share	8.13	7.26	5.12	7.53	4.65
Levered Free Cash Flow	244.6	106.26	347.13	118.36	-157.25
Unlevered Free Cash Flow	2.28	-10.11	-28.24	2.25	5.14

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

SEC Filings: 10-K · 10-Q