REPUBLIC BANCORP INC /KY/

RBCAA

REPUBLIC BANCORP INC /KY/

RBCAA

Insider Sentiment (TTM):

Last Purchase:2026-02-26Last Sale:2026-06-11Shares Purchased (TTM):147.61Shares Sold (TTM):6,144.23

Institutional Sentiment:

As of:2017-12-31Institutional Shares Owned:5,213,094Shares Outstanding:21,153,000Institutional Ownership Pct.:24.64%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Consumer Portfolio Segment	-	0	11	-	-	1	0	-	-	-	-	-
Financing Receivables Other Portfolio Segment	-	-	82	-	-	-	-	-	-	-	-	-
Cash And Cash Equivalents At Carrying Value	354	599	220	484	485	793	432	531	400	546	317	220
Debt Securities Available For Sale Excluding Accru…	887	881	885	843	706	609	584	467	481	588	591	601
Debt Securities Held To Maturity Excluding Accrued…	5	5	5	5	5	6	11	-	-	-	76	-
Equity Securities Fv Ni	1	1	1	1	1	1	1	0	0	0	0	0
Assets
Assets	7,062	7,253	7,042	7,015	6,971	7,076	6,847	6,692	6,617	6,876	6,595	6,386
Mortgages Held For Sale Fair Value Disclosure	17	13	8	15	9	9	8	9	10	81	3	3
Federal Home Loan Bank Stock	18	27	32	26	25	27	24	24	24	44	24	31
Property Plant And Equipment Net	42	41	36	38	37	32	32	33	33	34	33	34
Operating Lease Right Of Use Asset	29	30	31	33	34	36	36	36	32	33	35	36
Goodwill	41	41	41	41	41	41	41	41	41	41	41	41
Real Estate Acquired Through Foreclosure	1	1	1	1	1	1	1	1	1	1	1	1
Bank Owned Life Insurance	112	111	111	110	109	108	107	106	105	105	104	103
Amortization Method Qualified Affordable Housing P…	-	-	-	-	-	-	-	-	-	74	75	76
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities Domestic	1,249	1,275	1,173	1,239	1,223	1,375	1,208	1,260	1,279	1,360	1,677	1,703
Interest Bearing Deposit Liabilities Domestic	4,303	4,234	4,030	4,099	4,094	4,031	4,003	3,842	3,790	4,061	3,376	3,091
Deposits Domestic	5,552	5,509	5,203	5,338	5,317	5,406	5,211	5,102	5,069	5,421	5,053	4,794
Operating Lease Liability	30	31	32	34	35	37	37	37	33	34	36	37
Advances From Federal Home Loan Banks	157	367	506	375	370	370	395	370	370	270	380	465
Qualified Affordable Housing Project Investments C…	-	-	-	-	-	-	-	-	-	56	59	59
Liabilities	5,905	6,120	5,940	5,930	5,911	6,041	5,855	5,713	5,661	5,940	5,682	5,493
Common Stock Value	5	5	5	5	5	5	5	5	5	5	5	5
Additional Paid In Capital	161	159	157	155	154	151	148	147	144	142	142	142
Stockholders Equity
Stockholders Equity	1,157	1,133	1,102	1,085	1,060	1,034	992	980	955	936	913	893
Retained Earnings Accumulated Deficit	999	976	945	932	911	890	854	843	825	809	786	778
Accumulated Other Comprehensive Income Loss Net Of…	-8	-7	-4	-7	-10	-12	-14	-14	-19	-20	-20	-31
Liabilities And Stockholders Equity	7,062	7,253	7,042	7,015	6,971	7,076	6,847	6,692	6,617	6,876	6,595	6,386
Common Class A	-	17	17	0	0	17	17	0	0	17	17	-0
Common Class B	-	2	2	0	-0	2	2	0	-0	2	2	0
Debt Securities Available For Sale Amortized Cost …	897	888	888	850	716	623	602	482	506	614	619	642
Debt Securities Available For Sale Amortized Cost …	-	-	-	-	0	0	0	0	0	0	0	0
Held To Maturity Securities Fair Value	5	5	5	5	5	6	11	11	76	76	76	101
Debt Securities Held To Maturity Allowance For Cre…	-	-	-	-	0	0	0	0	0	0	0	0
Preferred Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	5.38%	17.03%	22.60%	-	-	-	-	-	-	-	-	-
2025	-4.14%	2.53%	1.52%	13.19%	9.53%	3.41%	5.26%	7.47%	9.92%	1.23%	7.34%	16.15%
2024	-5.09%	-0.97%	25.02%	10.27%	11.54%	16.36%	2.89%	-4.12%	-9.12%	-1.34%	2.58%	6.96%
2023	-	-	-	-	-	-	0.91%	19.44%	8.62%	4.98%	9.69%	7.94%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.50	-0.50	-0.50	-0.51	-0.52	-0.53	-0.22	0.23	0.89	2.24	2.68	3.42
Per Share Metrics
Diluted EPS TTM	6.44	6.39	6.63	6.44	6.28	5.96	5.14	5.17	4.92	4.72	4.55	4.51
Margin Metrics
Gross Profit Margin TTM	19.66%	-452.40%	-487.18%	-639.01%	-663.93%	-637.08%	-686.87%	-791.55%	-733.84%	-628.23%	-441.31%	-167.50%
Operating Profit Margin TTM	138.30%	889.84%	937.00%	1,111.71%	1,081.21%	960.88%	831.62%	915.38%	875.36%	834.94%	817.13%	647.98%
Net Profit Margin TTM	108.41%	699.24%	742.53%	879.58%	854.72%	761.36%	660.14%	728.57%	699.75%	669.75%	652.28%	510.84%
Growth Metrics
Net Revenue Growth (1Y)	711.83%	16.80%	15.17%	3.54%	4.87%	11.78%	10.83%	-19.84%	-19.92%	-19.15%	-18.88%	-16.92%
Net Income Growth (1Y)	2.97%	7.27%	29.54%	24.99%	28.10%	27.07%	12.17%	14.33%	10.84%	2.25%	-0.80%	-1.10%
Calculated Values
Free Cash Flow TTM	135.89M	141.18M	160.56M	149.13M	164.00M	161.53M	143.19M	142.26M	112.10M	101.72M	101.64M	100.10M
Net Debt	-354.09M	-599.11M	-219.97M	-484.24M	-484.81M	-793.02M	-432.15M	-530.87M	-400.06M	-546.36M	-316.57M	-219.65M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-11Sale

Owner: Ames, Christy

Title: EVP, GENERAL COUNSEL

Shares: 340

Price/Share: $87.90

Value: $29,886.00

Shares Owned: 6,145

Relationship: Officer

Ownership: Direct

2026-06-10Sale

Owner: Powell, Anthony T

Title: EVP, CHIEF LENDING OFFICER

Shares: 3,000

Price/Share: $83.54

Value: $250,620.00

Shares Owned: 24,691

Relationship: Officer

Ownership: Direct

2026-02-26Sale

Owner: Sanchez, Alejandro M

Title: -

Shares: 1,044

Price/Share: $71.04

Value: $74,165.76

Shares Owned: -

Relationship: Director

Ownership: Direct

2026-02-26Purchase

Owner: Trager, Scott

Title: VICE CHAIRMAN

Shares: 148

Price/Share: $71.13

Value: $10,499.50

Shares Owned: 57,684

Relationship: Director,Officer,TenPercentOwner

Ownership: Indirect

2025-12-11Sale

Owner: Starke, Jeff

Title: EVP, CHIEF INFORMATION OFFICER

Shares: 137

Price/Share: $73.31

Value: $10,043.47

Shares Owned: 5,773

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-11	Ames, Christy	Officer	EVP, GENERAL COUNSEL	Direct	Sale	340	87.90	$29,886.00	6,145	4
2026-06-10	Powell, Anthony T	Officer	EVP, CHIEF LENDING OFFICER	Direct	Sale	3,000	83.54	$250,620.00	24,691	4
2026-02-26	Sanchez, Alejandro M	Director	-	Direct	Sale	1,044	71.04	$74,165.76	0	4
2026-02-26	Trager, Scott	Director,Officer,TenPercentOwner	VICE CHAIRMAN	Indirect	Purchase	148	71.13	$10,499.50	57,684	4
2025-12-11	Starke, Jeff	Officer	EVP, CHIEF INFORMATION OFFICER	Direct	Sale	137	73.31	$10,043.47	5,773	4
2025-09-15	Ames, Christy	Officer	EVP, GENERAL COUNSEL	Direct	Sale	400	75.79	$30,316.00	4,738	4
2025-09-03	Montano, Juan	Officer	EVP, CHIEF MTG BANKING OFFICER	Indirect	Sale	1,223	75.53	$92,390.56	4,434	4
2025-06-09	Ames, Christy	Officer	EVP, GENERAL COUNSEL	Direct	Sale	700	70.50	$49,350.00	5,044	4
2025-06-02	Trager, Scott	Director,Officer,TenPercentOwner	VICE CHAIRMAN	Indirect	Purchase	437	68.73	$30,001.33	56,327	4
2025-01-30	Rippy, John T	Officer	EVP, CHIEF RISK OFFICER	Direct	Sale	3,082	65.99	$203,381.18	23,105	4
2025-01-29	Feaster, David P	Director	-	Direct	Sale	1,406	66.50	$93,499.00	4,303	4
2024-11-21	Howell, Heather V	Director	-	Direct	Sale	1,496	75.63	$113,142.48	7,491	4
2024-09-12	Deweese, Steven E	Officer	EVP, MG DIR COMM & PRIV BANK	Direct	Sale	250	62.50	$15,625.00	31,414	4
2024-08-30	Ames, Christy	Officer	EVP, GENERAL COUNSEL	Direct	Sale	1,715	63.72	$109,279.80	4,240	4
2024-08-28	Montano, Juan	Officer	EVP, CHIEF MTG BANKING OFFICER	Direct	Sale	2,750	63.57	$174,817.50	8,558	4
2024-07-24	Sipes, Kevin D	Officer	EVP & CHIEF FINANCIAL OFFICER	Direct	Sale	10,074	65.30	$657,832.20	70,086	4
2024-07-24	Powell, Anthony T	Officer	EVP, CHIEF LENDING OFFICER	Direct	Sale	4,000	65.94	$263,760.00	21,715	4
2024-07-24	Deweese, Steven E	Officer	EVP, MG DIR COMM & PRIV BANK	Direct	Sale	1,115	66.00	$73,590.00	31,664	4
2024-07-24	Bryant, Pedro A	Officer	EVP, SR BUS DEVELOPMENT EXEC	Direct	Sale	2,500	65.61	$164,025.00	1,425	4
2024-07-24	Feaster, David P	Director	-	Direct	Sale	789	65.92	$52,010.88	5,487	4
2024-03-15	Feaster, David P	Director	-	Direct	Sale	790	47.50	$37,525.00	5,484	4
2024-03-14	Rust, Michael T	Director	-	Direct	Sale	1,400	47.43	$66,402.00	20,772	4
2023-11-14	Montano, Juan	Officer	EVP, CHIEF MTG BANKING OFFICER	Direct	Sale	5,500	46.38	$255,090.00	10,821	4
2023-11-03	Deweese, Steven E	Officer	EVP, MG DIR COMM & PRIV BANK	Direct	Sale	257	46.55	$11,963.35	31,921	4
2023-11-02	Ames, Christy	Officer	EVP, GENERAL COUNSEL	Direct	Sale	1,000	45.74	$45,740.00	4,754	4
2023-07-31	Trager, Scott	Director,Officer,TenPercentOwner	VICE CHAIRMAN	Indirect	Purchase	2,168	46.13	$99,992.77	51,998	4
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Institutional Ownership

No data available for chart

2017-12-31

24.64%

Inst. Shares: 5,213,094

Shares Outstanding: 21,153,000

2017-09-30

24.00%

Inst. Shares: 5,076,294

Shares Outstanding: 21,153,000

2017-06-30

23.95%

Inst. Shares: 5,065,168

Shares Outstanding: 21,151,000

2017-03-31

24.22%

Inst. Shares: 5,066,231

Shares Outstanding: 20,915,000

2016-12-31

24.13%

Inst. Shares: 5,052,751

Shares Outstanding: 20,942,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2017-12-31	5,213,094	21,153,000	24.64%
2017-09-30	5,076,294	21,153,000	24.00%
2017-06-30	5,065,168	21,151,000	23.95%
2017-03-31	5,066,231	20,915,000	24.22%
2016-12-31	5,052,751	20,942,000	24.13%
2016-09-30	5,093,477	20,925,000	24.34%
2016-06-30	5,070,289	20,947,000	24.21%
2016-03-31	4,904,645	20,904,000	23.46%
2015-12-31	4,901,974	20,861,000	23.50%
2015-09-30	4,470,967	20,848,000	21.45%
2015-06-30	4,621,566	20,860,000	22.16%
2015-03-31	4,655,858	20,859,000	22.32%
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REPUBLIC BANCORP INC /KY/ (RBCAA) — SEC Financial Statements & Analysis

REPUBLIC BANCORP INC /KY/ (RBCAA) is a state commercial banks company, incorporated in KY. REPUBLIC BANCORP INC /KY/ trades on Nasdaq as: RBCAA. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), REPUBLIC BANCORP INC /KY/ reported a 711.83% year-over-year revenue growth, a Gross Profit Margin of 19.66% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 711.83%
Gross Profit Margin TTM: 19.66%

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is REPUBLIC BANCORP INC /KY/ in?

REPUBLIC BANCORP INC /KY/ (RBCAA) operates in the State Commercial Banks industry.

What exchange does RBCAA trade on?

REPUBLIC BANCORP INC /KY/ (RBCAA) trades on the Nasdaq.

Where is REPUBLIC BANCORP INC /KY/ incorporated?

REPUBLIC BANCORP INC /KY/ is incorporated in KY.