REPUBLIC BANCORP INCRBCAAEarnings & Financial Report
Republic Bancorp Inc. (Kentucky) is a U.S. regional banking holding company that provides a full range of retail and commercial banking services, including personal deposit accounts, consumer loans, business financing, mortgage products, and wealth management solutions. It mainly serves individual consumers and small to medium-sized enterprises in Kentucky and adjacent U.S. states.
Revenue
$86.9M
Gross Profit
N/A
Operating Profit
$32.1M
Net Profit
$25.2M
Gross Margin
N/A
Operating Margin
37.0%
Net Margin
29.0%
YoY Growth
3.2%
REPUBLIC BANCORP INC Q2 FY2024 Financial Summary
REPUBLIC BANCORP INC reported revenue of $86.9M (up 3.2% YoY) for Q2 FY2024, with a net profit of $25.2M (up 19.7% YoY) (29.0% margin).
Key Financial Metrics
| Total Revenue | $86.9M |
|---|---|
| Net Profit | $25.2M |
| Gross Margin | N/A |
| Operating Margin | 37.0% |
| Report Period | Q2 FY2024 |
REPUBLIC BANCORP INC Annual Revenue by Year
REPUBLIC BANCORP INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $417.5M).
| Year | Annual Revenue |
|---|---|
| 2025 | $417.5M |
| 2024 | $384.8M |
REPUBLIC BANCORP INC Quarterly Revenue & Net Profit History
REPUBLIC BANCORP INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $94.3M | +5.3% | $22.8M | 24.2% |
| Q3 FY2025 | $93.5M | +6.2% | $29.7M | 31.8% |
| Q2 FY2025 | $93.8M | +8.0% | $31.5M | 33.5% |
| Q1 FY2025 | $135.8M | +12.9% | $47.3M | 34.8% |
| Q4 FY2024 | $89.5M | +9.7% | $19.0M | 21.2% |
| Q3 FY2024 | $88.1M | +11.3% | $26.5M | 30.1% |
| Q2 FY2024 | $86.9M | +3.2% | $25.2M | 29.0% |
| Q1 FY2024 | $120.3M | +4.3% | $30.6M | 25.4% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $120.3M | $86.9M | $88.1M | $89.5M | $135.8M | $93.8M | $93.5M | $94.3M |
| YoY Growth | 4.3% | 3.2% | 11.3% | 9.7% | 12.9% | 8.0% | 6.2% | 5.3% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $6.88B | $6.62B | $6.69B | $6.85B | $7.08B | $6.97B | $7.01B | $7.04B |
| Liabilities | $5.94B | $5.66B | $5.71B | $5.85B | $6.04B | $5.91B | $5.93B | $5.94B |
| Equity | $935.6M | $955.4M | $979.7M | $992.0M | $1.03B | $1.06B | $1.08B | $1.10B |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $71.2M | $4.0M | $51.3M | $149.0M | $93.2M | $8.4M | $33.3M | $168.2M |