RBCAA financial statements
The full income statement, balance sheet, and cash-flow statement for Republic Bancorp Inc. (RBCAA), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 417M+8.5% | 385M+6.8% | 360M+10.3% | 327M+5.6% | 309M-3.1% | ||
| Noninterest income | 82.8M+14.0% | 72.7M+1.7% | 71.5M-20.4% | 89.8M+3.7% | 86.6M-0.5% | |
| Selling & marketing | 7.72M-18.2% | 9.44M+11.8% | 8.45M+22.9% | 6.88M+56.6% | 4.39M+8.9% | |
| Amortization of intangibles | — | — | 405K | — | 189K | |
| Noninterest expense | 220M+8.6% | 203M+1.7% | 199M+6.5% | 187M+2.3% | 183M-1.3% | |
| Provision for credit losses | 31.6M-41.9% | 54.4M+14.2% | 47.6M+113.1% | 22.3M+50.9% | 14.8M-52.7% | |
| Interest expense | — | — | 67.3M+798.0% | 7.49M+32.2% | 5.67M-71.6% | |
| Interest & investment income | 439M+1.3% | 433M+21.6% | 356M+45.8% | 244M+6.9% | 228M-9.5% | |
| Net interest income | 335M+7.2% | 312M+8.1% | 289M+22.0% | 237M+6.3% | 223M-4.1% | |
| Gain (loss) on equity securities | 252K-51.4% | 519K+723.8% | 63.0K+124.0% | -263K+43.2% | -463K-341.0% | |
| Pre-tax income | 166M+29.8% | 128M+12.8% | 113M-3.1% | 117M+4.8% | 111M+8.6% | |
| Income tax | 34.4M+30.6% | 26.3M+15.3% | 22.8M-11.3% | 25.7M+8.0% | 23.8M+22.9% | |
| Net income | 131M+29.5% | 101M+12.2% | 90.4M-0.8% | 91.1M+4.0% | 87.6M+5.2% | |
| Weighted-avg shares (diluted) | 19.8M+0.4% | 19.7M-0.6% | 19.9M-1.2% | 20.1M-3.2% | 20.8M-1.5% | |
| Dividends per share | $1.71+10.6% | $1.55+8.2% | $1.43+9.8% | $1.30+9.3% | $1.19+8.0% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 220M-49.1% | 432M+36.5% | 317M+0.9% | 314M-58.6% | 757M+55.9% | |
| 7.04B+2.9% | 6.85B+3.8% | 6.59B+13.0% | 5.84B-5.4% | 6.17B+0.0% | ||
| Property, plant & equipment | 36.0M+11.4% | 32.3M-3.3% | 33.4M+4.5% | 32.0M-11.4% | 36.1M-8.7% | |
| Operating lease right-of-use | 31.3M-13.4% | 36.2M+4.3% | 34.7M-6.3% | 37.0M-4.7% | 38.8M-10.4% | |
| Goodwill | 40.5M+0.0% | 40.5M+0.0% | 40.5M+148.6% | 16.3M+0.0% | 16.3M+0.0% | |
| Intangible assets | — | — | 7.41M-15.5% | 8.77M-4.6% | 9.20M+29.6% | |
| 5.94B+1.5% | 5.85B+3.0% | 5.68B+14.1% | 4.98B-5.3% | 5.26B-1.6% | ||
| Operating lease liability (total) | 32.4M-12.8% | 37.1M+4.5% | 35.5M-6.0% | 37.8M-4.7% | 39.7M-10.5% | |
| 1.10B+11.1% | 992M+8.7% | 913M+6.6% | 857M+2.6% | 835M+1.4% | ||
| Common stock | 4.60M+0.3% | 4.59M+0.7% | 4.55M-2.0% | 4.65M-1.1% | 4.70M-4.0% | |
| Additional paid-in capital | 157M+5.8% | 148M+4.2% | 142M+0.3% | 142M+1.2% | 140M-2.6% | |
| Retained earnings | 945M+10.8% | 854M+8.5% | 786M+6.0% | 742M+7.8% | 689M+3.3% | |
| Accumulated other comprehensive income | -4.40M+69.1% | -14.2M+30.2% | -20.4M+36.2% | -32.0M-1806.5% | 1.87M-78.0% | |
| Total liabilities & equity | 7.04B+2.9% | 6.85B+3.8% | 6.59B+13.0% | 5.84B-4.2% | 6.09B-1.2% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 168M+12.9% | 149M+37.3% | 109M-29.9% | 155M+54.4% | 100M+32.9% | ||
| Depreciation & amortization | 6.68M-3.3% | 6.91M-2.2% | 7.06M-7.0% | 7.60M-15.4% | 8.99M-7.6% | |
| Intangible amortization | — | — | 405K | — | 189K | |
| Share-based compensation | 2.12M+61.4% | 1.31M+1.0% | 1.30M-26.0% | 1.75M+13.5% | 1.54M+62.1% | |
| -436M-140.9% | -181M+65.0% | -517M-103.1% | -255M-183.0% | 307M+172.6% | ||
| Capital expenditure | 7.10M+22.3% | 5.81M-15.8% | 6.90M+96.9% | 3.50M-39.4% | 5.79M+61.5% | |
| Free cash flow | 161M+12.5% | 143M+40.9% | 102M-32.8% | 151M+60.1% | 94.5M+31.5% | |
| Acquisitions | 0.00 | 0.00-100.0% | 41.0M | 0.00 | 0.00 | |
| Sales/maturities of investments | 555M+75.6% | 316M+197.9% | 106M-34.3% | 162M-29.9% | 230M-8.5% | |
| 55.7M-62.2% | 148M-64.1% | 411M+219.7% | -344M-153.7% | -135M-130.3% | ||
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 72.0K | 0.00-100.0% | 20.3M+61.2% | 12.6M-73.5% | 47.5M+1107.8% | |
| Dividends paid | 33.9M+11.0% | 30.5M+7.6% | 28.4M+8.4% | 26.1M+5.9% | 24.7M+6.4% | |
| Net change in cash | -212M-283.6% | 116M+3916.1% | 2.88M+100.6% | -443M-263.3% | 271M+170.6% | |
| Interest paid | 106M-11.7% | 120M+88.7% | 63.5M+755.9% | 7.41M+26.7% | 5.85M-73.9% | |
| Income taxes paid | 22.1M-19.7% | 27.5M+27.9% | 21.5M-0.7% | 21.6M+7.8% | 20.1M-19.5% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 1.37B-1.2% | 1.38B+26.9% | 1.09B+33.4% | 818M-21.1% | 1.04B+36.4% | |
| P/E | 10.4×-23.7% | 13.7×+11.7% | 12.2×+34.3% | 9.1×-23.1% | 11.8×+29.6% | |
| P/S | 3.3×-8.9% | 3.6×+17.1% | 3.1×+19.6% | 2.6×-23.3% | 3.4×+40.8% | |
| P/B | 1.2×-11.1% | 1.4×+14.3% | 1.2×+25.9% | 1.0×-21.9% | 1.2×+34.5% | |
| P/FCF | 8.5×-12.2% | 9.7×-11.3% | 10.9×+80.1% | 6.0×-44.9% | 11.0×+3.7% | |
| Earnings yield | 9.6%+31.1% | 7.3%-10.5% | 8.2%-25.5% | 11.0%+30.0% | 8.5%-22.8% | |
| FCF yield | 11.8%+13.9% | 10.3%+12.7% | 9.2%-44.5% | 16.5%+81.4% | 9.1%-3.6% | |
| Dividend yield | 2.5%+12.0% | 2.2%-14.5% | 2.6%-18.6% | 3.2%+35.8% | 2.3%-23.3% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: RBCAA’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all RBCAA filings on SEC EDGAR → Not investment advice.