Republic Bancorp, Inc. (RBCAA)

Republic Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	129.33	131.32	101.37	90.37	91.11	87.61
Depreciation & Amortization	15.82	14.68	14.63	15.01	18.05	18.31
Gain (Loss) on Sale of Assets	-0.02	-	-0	-	-	-0.45
Gain (Loss) on Sale of Investments	10.68	3.93	5.2	4.88	5.06	4.88
Total Asset Writedown	0.21	0.21	0.21	0.21	0.21	-0.29
Provision for Credit Losses	35.53	31.6	54.38	47.62	22.35	14.81
Net Decrease (Increase) in Loans Originated / Sold - Operating	-6.37	17.46	13.85	6.75	51.12	30.52
Accrued Interest Receivable	-1.69	-2.16	-1.68	-4.88	-3.7	3.05
Change in Other Net Operating Assets	5.58	4.9	-12.34	-29.25	0.06	-6.46
Other Operating Activities	-10.17	-9.7	-8.96	-10.38	-10.55	-9.18
Operating Cash Flow	148.99	168.21	149	108.53	154.79	100.25
Operating Cash Flow Growth	-5.37%	12.90%	37.29%	-29.89%	54.40%	32.91%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-6.51	-7.1	-5.81	-6.9	-3.5	-5.79
Sale of Property, Plant and Equipment	-	-	-	-	-	0.64
Cash Acquisitions	-	-	-	-40.97	-	-
Investment in Securities	-81.74	-299.17	67.11	82.27	-220.2	13.54
Net Decrease (Increase) in Loans Originated / Sold - Investing	-116.28	-122.21	-241.79	-538.95	-31.97	319.36
Other Investing Activities	8.91	-7.64	-0.71	-12.41	1.17	-21.2
Investing Cash Flow	-195.15	-436.12	-181.03	-516.95	-254.51	306.55

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	5.7	-	-	79.94
Long-Term Debt Issued	-	639	830	1,018	95	25
Total Debt Issued	712	639	835.7	1,018	95	104.94
Short-Term Debt Repaid	-	-14.81	-	-119.34	-74.01	-
Long-Term Debt Repaid	-	-528	-815	-733	-25	-275
Total Debt Repaid	-964.85	-542.81	-815	-852.34	-99.01	-275
Net Debt Issued (Repaid)	-252.85	96.19	20.7	165.66	-4.01	-170.06
Issuance of Common Stock	0.45	0.87	0.67	0.63	0.64	0.59
Repurchase of Common Stock	-	-0.07	-	-20.28	-12.58	-47.53
Common Dividends Paid	-36.52	-33.85	-30.51	-28.35	-26.15	-24.7
Net Increase (Decrease) in Deposit Accounts	251.9	-7.4	157.38	293.64	-301.47	106.42
Other Financing Activities	-1.72	-	-0.64	-0	-	-0.14
Financing Cash Flow	-38.73	55.73	147.61	411.3	-343.56	-135.42

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-84.9	-212.18	115.58	2.88	-443.28	271.38

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	142.48	161.11	143.19	101.64	151.29	94.47
Free Cash Flow Growth	-4.46%	12.51%	40.89%	-32.82%	60.15%	31.48%
Free Cash Flow Margin	37.07%	41.75%	43.34%	32.69%	52.87%	32.18%
Free Cash Flow Per Share	7.18	8.13	7.25	5.12	7.53	4.55

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	91.39	105.71	119.75	63.45	7.41	5.85
Cash Income Tax Paid	21.28	22.07	27.49	21.49	21.64	20.07

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 13, 2026

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