← REPUBLIC BANCORP INC /KY/ RBCAA
Market Price
$98.27
Market Cap
$1.91B
P/E Ratio
N/A
Revenue (FY 2025)
↑8.5% YoY
$417.50M
3-Yr CAGR: 8.5%
Net Income
↑29.5% YoY
$131.32M
Net Margin: 31.5%
Free Cash Flow
↑12.5% YoY
$161.11M
FCF Yield: 8.46%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
11.9%
ROA: 1.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (RBCAA)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $156.1M | — | $138.1M | $45.9M | — | — | — | $47.7M | $40.6M | — |
| FY 2017 | $198.5M | +27.2% | $178.3M | $45.6M | -0.6% | — | — | $77.8M | $65.4M | +60.9% |
| FY 2018 | $289.5M | +45.8% | $259.4M | $77.9M | +70.6% | — | — | $119.2M | $110.2M | +68.4% |
| FY 2019 | $311.1M | +7.5% | $266.4M | $91.7M | +17.8% | — | — | $97.2M | $84.4M | -23.4% |
| FY 2020 | $319.4M | +2.6% | $299.4M | $83.2M | -9.2% | — | — | $68.4M | $64.9M | -23.1% |
| FY 2021 | $307.5M | -3.7% | $301.8M | $86.8M | +4.3% | — | — | $99.4M | $93.6M | +44.4% |
| FY 2022 | $326.5M | +6.2% | $319.0M | $91.1M | +5.0% | — | — | $154.8M | $151.3M | +61.6% |
| FY 2023 | $360.2M | +10.3% | $292.9M | $90.4M | -0.8% | — | — | $108.5M | $101.6M | -32.8% |
| FY 2024 | $384.8M | +6.8% | $264.0M | $101.4M | +12.2% | — | — | $149.0M | $143.2M | +40.9% |
| FY 2025 | $417.5M | +8.5% | $313.7M | $131.3M | +29.5% | — | — | $168.2M | $161.1M | +12.5% |
Valuation
Market Price
$98.27
Market Cap
$1.91B
Enterprise Value
N/A
P/E Ratio
N/A
P/B Ratio
1.73
FCF Yield
8.46%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
75.13%
Operating Margin
39.69%
Net Margin
31.45%
Return on Equity (ROE)
11.91%
Return on Assets (ROA)
1.86%
Asset Turnover
0.06x
Revenue 3-Yr CAGR
8.54%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$219.97M
Total Debt
N/A
Book Value / Share
$56.76
Cash Flow Efficiency
Operating Cash Flow
$168.21M
Capital Expenditures (CapEx)
$7.10M
Free Cash Flow
$161.11M
OCF / Revenue
40.29%
FCF / Revenue
38.59%
FCF 3-Yr CAGR
2.12%
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$56.76
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$7.04B
Total Liabilities
$5.94B
Stockholders' Equity
$1.10B
Current Assets
N/A
Current Liabilities
N/A