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Companies / Financials / Republic Bancorp, Inc.
RBCAA

Republic Bancorp, Inc.

FinancialsBanks & Brokers
Ticker RBCAALOUISVILLE, KYFiscal year ends DecemberBook value per share $113.43Diluted shares 10.3M

Republic Bancorp, Inc. (Nasdaq: RBCAA) is a financial holding company whose subsidiary, Republic Bank & Trust Company, provides traditional and nontraditional banking products and services to individuals and businesses, primarily in its regional markets, and through nationwide digital and financial-processing… From the company’s description.

Over the twelve months to Sep 30, 2026, Republic Bancorp, Inc. reported revenue of $419.88M, up 1.7% from a year earlier, and net income of $129.33M. Its pre-tax margin was 39.3%. In fiscal 2025, it reported revenue of $417.50M, up 8.5% from fiscal 2024, and net income of $131.32M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-09-30
Sales & profitability
$417.50MFY2025
+8.5% year over year
Last 12 mo $419.88M
39.69%FY2025
+6.5 percentage points
Last 12 mo 39.34%
$131.32MFY2025
+29.5% year over year
Last 12 mo $129.33M
11.91%FY2025
+1.7 percentage points
Last 12 mo 11.11%
Cash & financing
$168.21MFY2025
+12.9% year over year
Last 12 mo $148.99M
$161.11MFY2025
+12.5% year over year
Last 12 mo $142.48M
5.18FY2025
Was 5.65× a year earlier
Last 12 mo 4.91
10.2MFY2025
+0.5% year over year
Last 12 mo 10.3M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Republic Bancorp, Inc. does

In the company’s own words

Republic Bancorp, Inc. (Nasdaq: RBCAA) is a financial holding company whose subsidiary, Republic Bank & Trust Company, provides traditional and nontraditional banking products and services to individuals and businesses, primarily in its regional markets, and through nationwide digital and financial-processing channels. Its five reportable segments are Traditional Banking, which offers deposits, commercial and consumer lending, and related services; Warehouse Lending, which provides short-term revolving credit to mortgage bankers; Tax Refund Solutions, which facilitates tax refund advances and refund transfers through tax preparers and software providers; Republic Payment Solutions, which provides prepaid and debit cards and money-movement services through third parties; and Republic Credit Solutions, which offers consumer credit products, including small-dollar loans and healthcare receivables. Traditional Banking and Warehouse Lending form Core Banking, while the other three segments comprise Republic Processing Group. The bank operates under the RB&T brand and had 47 full-service banking centers across Kentucky, Indiana, Florida, Ohio, and Tennessee at December 31, 2025. At that date, the company had $7.04 billion in total assets and 973 full-time-equivalent employees. Its website is www.republicbank.com.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
LOUISVILLE, KY
Fiscal year end
December
CIK
921557
SIC
6022

Financial performance, year by year

Fiscal 2011–2025 · USD
$-41.99M$83.98M$209.94M$335.91M$461.87M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Republic Bancorp, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

165
funds hold it
0 of 35
superinvestors hold it
$256.63M
held by funds, at market
17.6%
of shares held by funds

Largest fund holders · Republic Bancorp, Inc.’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
Avantis U.S. Small Cap Value ETF
AVUV · American Century ETF Trust
—of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.03%of fund net assets
U.S. SMALL CAP VALUE PORTFOLIO
DFSVX · DFA INVESTMENT DIMENSIONS GROUP INC
—of fund net assets
U.S. MICRO CAP PORTFOLIO
DFSCX · DFA INVESTMENT DIMENSIONS GROUP INC
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Republic Bancorp, Inc. and its peers compare on margins and cash generation over ten years?”
  • “Where did five years of Republic Bancorp, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
  • “What changed in Republic Bancorp, Inc.'s last four quarterly filings that the numbers alone won't show?”
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