Republic Bancorp Inc (RBCAA)
Republic Bancorp Inc brought in $419.9M of revenue over the twelve months to September 30, 2026, up 1.7% from a year earlier. Net income was $129.3M, a net margin of 30.8%. Operating cash flow minus capital spending left $161.1M of free cash flow in fiscal 2025. At September 30, 2026 it held $399.3M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about Republic Bancorp Inc
- Net worth
- Republic Bancorp Inc has a market value (market cap) of $1.8B at the latest share price, and shareholders' equity of $1.2B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $417.5M (+8.5% year on year), with net income of $131.3M. Over the 12 months to September 30, 2026: revenue $419.9M, net income $129.3M.
- Cash flow
- In fiscal 2025 operations brought in $168.2M of cash; after $7.1M of capital spending, free cash flow was $161.1M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Republic Bancorp Inc's next report is expected around January 29, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What Republic Bancorp Inc does
Republic Bancorp Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker RBCAA.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $417.5M | $131.3M | n/a | $161.1M |
| 2024 | $384.8M | $101.4M | n/a | $143.2M |
| 2023 | $360.2M | $90.4M | n/a | $101.6M |
| 2022 | $326.5M | $91.1M | n/a | $151.3M |
| 2021 | $309.3M | $87.6M | n/a | $94.5M |
| 2020 | $319.4M | $83.2M | n/a | $71.9M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where RBCAA ranks in Finance
Dividends
It paid out $33.9M in cash dividends, 26% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | n/a | $33.9M | 26% |
| 2024 | n/a | $30.5M | 30% |
| 2023 | n/a | $28.4M | 31% |
| 2022 | n/a | $26.1M | 29% |
| 2021 | n/a | $24.7M | 28% |
| 2020 | n/a | $23.2M | 28% |
Latest SEC filings
What Republic Bancorp Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 11% to $103.9M versus the same quarter last year; net income rose 4.5% to $31.1M.
- October 23, 2026
- August 7, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 7.9% to $101.3M versus the same quarter last year; net income rose 4.4% to $32.9M.
- July 24, 2026
- July 20, 2026
- July 15, 2026
- June 26, 2026
- May 20, 2026
- May 7, 2026Quarterly report 10-Q · period to March 31, 2026Revenue fell 11% to $120.4M versus the same quarter last year; net income fell 9.9% to $42.6M.
- April 24, 2026
What is RBCAA worth? A DCF from its reported cash flow
Insider trades
What the people running Republic Bancorp Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $75.8K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 29, 2026 | Starke JeffEVP, CHIEF INFORMATION OFFICER | Sold | 817 | $75.5K |
| October 29, 2026 | Starke JeffEVP, CHIEF INFORMATION OFFICER | Sold | 3 | $278.7 |
| October 28, 2026 | Starke JeffEVP, CHIEF INFORMATION OFFICER | Exercised options | 6,720 | $287.2K |
| October 28, 2026 | Starke JeffEVP, CHIEF INFORMATION OFFICER | Shares withheld for tax | 4,727 | $432.2K |
| October 27, 2026 | Trager Kusman AndrewDirector | Received as pay | 10 | $921.1 |
| October 27, 2026 | Starke JeffEVP, CHIEF INFORMATION OFFICER | Received as pay | 10 | - |
| October 27, 2026 | Starke JeffEVP, CHIEF INFORMATION OFFICER | Shares withheld for tax | 3 | $276.3 |
| October 20, 2026 | Powell Anthony TEVP, CHIEF LENDING OFFICER | Exercised options | 5,376 | $229.8K |
Who owns RBCAA
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Steven E. Trager13D, may seek influence | 54.01% | February 14, 2024 |
| A. Scott Trager13D, may seek influence | 53.09% | February 14, 2024 |
| Sheldon G. Gilman13D, may seek influence | 51.71% | February 14, 2024 |
| Trager Trust of 201213D, may seek influence | 51.44% | February 14, 2024 |
| Teebank Family Limited Partnership13D, may seek influence | 47.05% | February 14, 2024 |
Largest institutional holders
Insiders
23 insiders reported holding 737,872 shares in total, about $67.8M at the last price.
| Holder | Shares |
|---|---|
| Trager Kusman AndrewDirector | 348,161346,421 held indirectly |
| Sipes Kevin DEVP & CHIEF FINANCIAL OFFICER | 76,745 |
| Pichel LoganPRESIDENT & CEO, REPUBLIC BANK, Director | 64,475 |
| Trager ScottVICE CHAIRMAN, Director, 10% owner | 57,68457,684 held indirectly |
| Nelson William RPRESIDENT, RPG | 34,206 |
| Mulloy William Patrick IIDirector | 28,260 |
| Powell Anthony TEVP, CHIEF LENDING OFFICER | 26,543 |
| Vogt Mark ADirector | 22,514 |
| Montano JuanEVP, CHIEF MTG BANKING OFFICER | 13,684 |
| Howell Heather VDirector | 9,790 |
Questions about RBCAA
What does Republic Bancorp Inc do?
Republic Bancorp Inc is a company in the Finance sector, listed on NASDAQ as RBCAA. Its shares trade on NASDAQ under the ticker RBCAA.
What is Republic Bancorp Inc's net worth?
Republic Bancorp Inc has a market value (market cap) of $1.8B at the latest share price, and shareholders' equity of $1.2B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Republic Bancorp Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $129.3M on revenue of $419.9M, a net margin of 30.8%.
How much revenue does Republic Bancorp Inc make?
Over the twelve months to September 30, 2026 Republic Bancorp Inc reported revenue of $419.9M. That is 1.7% more than a year earlier.
When did Republic Bancorp Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is Republic Bancorp Inc's next earnings report?
Republic Bancorp Inc's next report is expected around January 29, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Republic Bancorp Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.