Republic Bancorp Inc (KY) Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $409.5M+6.4% YoYTTM through 30 Jun 2026
Net Income $128M+26.3% YoYTTM through 30 Jun 2026
Free Cash Flow $136.4MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 39.7% |
| Net Margin | 31.3% |
Returns
12.5%ROE
1.9%ROA
Balance Sheet Health
Cash & Equivalents$354.1M
Quality Metrics
Piotroski F-Score5 / 9
FCF Margin33.3%
Rule of 4035.3
Earnings-Beat Rate75.0%
Multi-Year Trend
RevenueFY2025: $417.5M
Diluted EPSFY2025: $6.63
Dividend
$0.99Per share, FY20262.40%Yield-4.3%5-yr growth
Capital Allocation
Capex Intensity2.0%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Traditional Banking | View detailsRemains the foundation of the company, benefiting from disciplined loan and deposit pricing. | ||
| Warehouse Lending | View detailsExperienced strong volume growth with average outstanding balances rising 18% to $557 million. | ||
| Tax Refund Solutions | View detailsDelivered impressive performance driven by a $20.5 million reduction in provision expense. | ||
| Republic Credit Solutions | View detailsEmphasized management of LOC-related risk and pricing discipline. | ||
| Republic Payment Solutions | View detailsDelivered year-over-year net income growth as part of the RPG segment. |
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