RBCA
Republic Bancorp Inc
NASDAQ: RBCAA · FINANCIAL SERVICES · BANKS - REGIONAL
$74.96
-1.85% today
Updated 2026-04-29
Market cap
$1.47B
P/E ratio
11.57
P/S ratio
3.95x
EPS (TTM)
$6.48
Dividend yield
2.42%
52W range
$63 – $77
Volume
0.1M
Republic Bancorp Inc (RBCAA) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $122.24M | $236.89M | $264.38M | $276.05M | $279.39M | $309.64M | $288.82M | $176.41M | $171.45M | $186.55M | $227.36M | $273.20M | $315.13M | $343.19M | $335.01M | $310.02M | $316.22M | $421.56M | $499.79M | $521.34M |
| Revenue growth (YoY) | — | +93.8% | +11.6% | +4.4% | +1.2% | +10.8% | -6.7% | -38.9% | -2.8% | +8.8% | +21.9% | +20.2% | +15.3% | +8.9% | -2.4% | -7.5% | +2.0% | +33.3% | +18.6% | +4.3% |
| Cost of revenue | $90.54M | $111.44M | $88.62M | $82.72M | $56.38M | $48.22M | $37.85M | $24.38M | $22.46M | $23.86M | $32.43M | $47.96M | $61.49M | $70.52M | $51.22M | $20.47M | $29.84M | $114.91M | $175.21M | $135.44M |
| Gross profit | $31.70M | $125.45M | $175.76M | $193.33M | $223.01M | $261.42M | $250.98M | $152.03M | $148.98M | $162.69M | $194.93M | $225.24M | $253.63M | $272.68M | $283.79M | $289.55M | $286.38M | $306.65M | $324.58M | $385.90M |
| Gross margin | 25.9% | 53.0% | 66.5% | 70.0% | 79.8% | 84.4% | 86.9% | 86.2% | 86.9% | 87.2% | 85.7% | 82.4% | 80.5% | 79.5% | 84.7% | 93.4% | 90.6% | 72.7% | 64.9% | 74.0% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $40.41M | $44.16M | $64.76M | $70.03M | $68.88M | $70.65M | $74.27M | $68.08M | $64.63M | $69.37M | $83.44M | $97.66M | $108.53M | $99.92M | $107.18M | $111.68M | $112.91M | $118.60M | $121.66M | $141.24M |
| Operating income | $42.83M | $38.19M | $51.89M | $66.02M | $98.43M | $144.20M | $183.94M | $40.50M | $44.31M | $53.24M | $68.96M | $78.39M | $94.26M | $113.19M | $102.63M | $111.44M | $116.84M | $113.21M | $127.70M | $165.71M |
| Operating margin | 35.0% | 16.1% | 19.6% | 23.9% | 35.2% | 46.6% | 63.7% | 23.0% | 25.8% | 28.5% | 30.3% | 28.7% | 29.9% | 33.0% | 30.6% | 35.9% | 37.0% | 26.9% | 25.6% | 31.8% |
| EBITDA | $46.97M | $40.27M | $59.40M | $76.57M | $109.12M | $148.60M | $192.78M | $48.49M | $52.01M | $61.25M | $78.02M | $88.36M | $105.04M | $124.25M | $116.11M | $129.75M | $134.90M | $128.22M | $142.33M | $165.71M |
| EBITDA margin | 38.4% | 17.0% | 22.5% | 27.7% | 39.1% | 48.0% | 66.7% | 27.5% | 30.3% | 32.8% | 34.3% | 32.3% | 33.3% | 36.2% | 34.7% | 41.9% | 42.7% | 30.4% | 28.5% | 31.8% |
| EBIT | $42.83M | $38.19M | $51.89M | $66.02M | $98.43M | $144.20M | $183.94M | $40.50M | $44.31M | $53.24M | $68.96M | $78.39M | $94.26M | $113.19M | $102.63M | $111.44M | $116.84M | $113.21M | $127.70M | — |
| Interest expense | $88.24M | $104.62M | $72.42M | $48.74M | $36.66M | $30.25M | $22.80M | $21.39M | $19.60M | $18.46M | $17.94M | $20.26M | $30.12M | $44.76M | $19.94M | $5.67M | $7.49M | $67.28M | $120.83M | $103.84M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $28.35M | $24.91M | $33.65M | $42.13M | $64.75M | $94.15M | $119.34M | $25.42M | $28.79M | $35.17M | $45.90M | $45.63M | $77.85M | $91.70M | $83.25M | $87.61M | $91.11M | $90.37M | $101.37M | $131.32M |
| Net income growth (YoY) | — | -12.1% | +35.1% | +25.2% | +53.7% | +45.4% | +26.8% | -78.7% | +13.2% | +22.2% | +30.5% | -0.6% | +70.6% | +17.8% | -9.2% | +5.2% | +4.0% | -0.8% | +12.2% | +29.5% |
| Profit margin | 23.2% | 10.5% | 12.7% | 15.3% | 23.2% | 30.4% | 41.3% | 14.4% | 16.8% | 18.9% | 20.2% | 16.7% | 24.7% | 26.7% | 24.8% | 28.3% | 28.8% | 21.4% | 20.3% | 25.2% |