Republic Bancorp, Inc. logo RBCAA - Republic Bancorp, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
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| PRICE TARGET: $51.00 DETAILS
HIGH: $51.00
LOW: $51.00
MEDIAN: $51.00
CONSENSUS: $51.00
DOWNSIDE: 35.78%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 521.3 499.8 421.6 316.2 310.0 335.0 343.2 315.1 273.2 227.4 186.6 171.4 176.4 288.8 309.6 279.4 276.0 264.4 236.9 122.2 176.9 147.1 150.0 130.6 137.1 127.5 107.2 108.2 65.8 60.1 49.5 30.0 29.7
Cost of Revenue 135.4 175.2 114.9 29.8 20.5 51.2 70.5 61.5 48.0 32.4 23.9 22.5 24.4 37.8 48.2 56.4 82.7 88.6 111.4 90.5 62.8 43.4 43.4 45.1 61.4 68.2 51.4 53.3 58.1 53.0 42.0 23.1 21.5
Gross Profit 385.9 324.6 306.6 286.4 289.5 283.8 272.7 253.6 225.2 194.9 162.7 149.0 152.0 251.0 261.4 223.0 193.3 175.8 125.5 31.7 114.1 103.7 106.6 85.5 75.7 59.3 55.8 54.9 7.7 7.1 7.5 7.0 8.2
Operating Expenses
R&D Expenses 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
SG&A Expenses 149.0 131.1 127.0 119.8 116.1 111.2 104.9 113.0 102.9 87.2 72.5 67.9 71.4 77.3 73.9 79.7 83.2 74.0 47.4 40.4 39.2 36.8 35.2 31.0 28.8 22.1 22 18.4 15.4 13.2 0 0 0
Other Expenses 71.2 65.8 66.4 49.8 62.0 69.9 54.5 46.4 44.0 38.7 36.9 36.8 40.1 (10.2) 43.3 44.9 44.1 49.9 39.8 (51.5) 29.3 27.4 27.7 22.9 20.5 18.0 15.3 15.1 (26.8) (10.8) (4.6) (2.1) 0.3
Operating Expenses 220.2 196.9 193.4 169.5 178.1 181.2 159.5 159.4 146.9 126.0 109.5 104.7 111.5 67.0 117.2 124.6 127.3 123.9 87.3 (11.1) 68.5 64.2 62.9 53.8 49.3 40.0 37.3 33.5 (11.4) 2.4 (4.6) (2.1) 0.3
Operating Income
Operating Income 165.7 127.7 113.2 116.8 111.4 102.6 113.2 94.3 78.4 69.0 53.2 44.3 40.5 183.9 144.2 98.4 66.0 51.9 38.2 42.8 45.6 39.5 43.8 31.7 26.4 19.3 18.5 21.4 19.1 4.7 12.2 9.1 7.8
Interest Expense 103.8 120.8 67.3 7.5 5.7 19.9 44.8 30.1 20.3 17.9 18.5 19.6 21.4 22.8 30.3 36.7 48.7 72.4 104.6 88.2 62.4 42.3 36.8 41.8 57.9 66.9 49.6 50.2 50.9 43.9 37.7 22.5 21.1
Interest Income 438.5 433.0 356.1 244.2 228.4 252.3 280.9 256.2 218.8 174.0 142.4 132.4 134.6 183.5 195.1 193.5 212.6 202.1 199.1 176.5 148.1 121.4 119.1 106.1 117.4 118.7 97.2 92.7 91.2 82.0 71.1 47.4 43.4
Profitability
EBITDA 165.7 142.3 128.2 134.9 129.8 116.1 124.2 105.0 88.4 78.0 61.3 52.0 48.5 192.8 148.6 109.1 76.6 59.4 40.3 47.0 53.0 47.5 49.8 35.9 30.2 23.4 22.4 25 23.8 7.8 12.2 9.1 7.8
EBIT 165.7 127.7 113.2 116.8 111.4 102.6 113.2 94.3 78.4 69.0 53.2 44.3 40.5 183.9 144.2 98.4 66.0 51.9 38.2 42.8 45.6 39.5 43.8 31.7 26.4 19.3 18.5 21.4 19.1 4.7 12.2 9.1 7.8
Income Before Tax 165.7 127.7 113.2 116.8 111.4 102.6 113.2 94.3 78.4 69.0 53.2 44.3 40.5 183.9 144.2 98.4 66.0 51.9 38.2 42.8 45.6 39.5 43.8 31.7 26.4 19.3 18.5 21.4 19.1 4.7 12.2 9.1 7.8
Income Tax Expense 34.4 26.3 22.8 25.7 23.8 19.4 21.5 16.4 32.8 23.1 18.1 15.5 15.1 64.6 50.0 33.7 23.9 18.2 13.3 14.7 15.5 13.5 15.6 11.2 8.9 6.3 6.2 7.6 6.9 1.9 4.4 2.9 2.0
Net Income 131.3 101.4 90.4 91.1 87.6 83.2 91.7 77.9 45.6 45.9 35.2 28.8 25.4 119.3 94.1 64.8 42.1 33.7 24.9 28.4 35.1 32.5 28.2 20.5 16.8 12.9 12.3 13.8 12.3 2.7 7.8 6.2 5.9
Per Share Data
EPS (Basic) 6.65 5.21 4.61 4.59 4.25 3.99 4.40 3.76 2.18 2.19 1.69 1.39 1.22 5.71 4.50 3.11 2.04 1.64 1.22 1.32 1.54 1.36 1.37 1.01 0.86 0.64 0.60 0.72 0.67 0.15 0.43 0.34 0.32
EPS (Diluted) 6.63 5.18 4.55 4.57 4.26 3.99 4.39 3.74 2.17 2.19 1.68 1.38 1.22 5.69 4.49 3.10 2.02 1.62 1.20 1.29 1.48 1.30 1.35 0.99 0.83 0.63 0.58 0.68 0.67 0.15 0.43 0.34 0.32
Shares Outstanding 19.7 19.5 19.6 19.8 20.5 20.8 20.8 21.0 20.9 20.9 20.9 20.8 20.8 21.0 20.9 20.9 20.7 20.5 20.4 21.4 22.7 24.0 20.5 20.2 19.6 20.1 20.5 19.3 18.2 18.5 18.2 18.2 18.2
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 220.0 432.2 316.6 313.7 757.0 485.6 385.3 351.5 299.4 289.3 1,068.2 616.3 77.8 60.9 39.9 35.6 40.2 20.8 39.9 24.5 56.7 0 0 0
Short-Term Investments 0 342.9 591.3 620.4 495.1 523.9 471.4 475.7 527.2 481.3 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 22.3 92.2 87.5 10.4 8.5 10.0 13.9 15.0 16.6 13.6 56.8 39.9 0 0 0 0 0 9.2 8.8 8.8 9.7 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 (2.9) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 242.3 867.3 995.4 944.4 1,260.6 1,019.5 870.6 842.2 840.2 784.2 1,124.9 656.2 77.8 60.9 39.9 35.6 40.2 30.0 48.7 33.3 66.4 0 0 0
Non-Current Assets
Property, Plant & Equipment 67.3 68.5 68.1 69.0 74.9 82.9 81.4 43.1 42.6 40.5 39.4 42.9 33.8 34.3 23.2 19.6 19.6 19 15.9 12.8 17.5 0 0 0
Goodwill 40.5 40.5 40.5 16.3 16.3 16.3 16.3 16.3 16.3 16.3 10.2 10.2 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 6,474.9 5,540.4 5,174.0 4,617.0 4,573.1 4,850.1 4,473.9 4,180.1 4,041.8 3,834.7 2,718.0 3,205.0 2,343.6 1,992.7 1,654.1 1,505.5 1,417.3 1,253.5 1,125.1 987.3 1,048.9 0 0 0
Other Non-Current Assets 217.1 330.0 316.9 188.8 168.7 199.6 178.1 158.7 144.4 140.7 26.2 25.1 43.6 39.9 35.6 30.1 31.0 66.5 18 21.5 8.1 0 0 0
Total Non-Current Assets 6,799.8 5,979.4 5,599.5 4,891.1 4,833.0 5,148.9 4,749.8 4,398.2 4,245.1 4,032.1 2,793.8 3,283.1 2,421.1 2,066.9 1,712.9 1,555.3 1,467.9 1,339.0 1,159 1,021.6 1,074.5 0 0 0
Total Assets 7,042.1 6,846.7 6,594.9 5,834.5 6,093.6 6,168.3 5,620.3 5,240.4 5,085.4 4,816.3 3,918.8 3,939.4 2,498.9 2,127.8 1,752.7 1,590.8 1,508.1 1,369 1,207.7 1,055.0 1,140.9 891.3 736.0 646.7
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 21.8 24.6 0 0 0 0 0 3.9 3.8 0 0 0 0 0
Short-Term Debt 355.5 103.3 97.6 217.0 291.0 211.0 167.6 183.0 204.0 173.5 299.6 339.0 457.4 244.0 224.9 282.0 263.0 431.4 242.5 111.1 181.6 21.7 12.7 13.2
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 5,210.5 5,053.2 4,537.8 4,839.3 4,733.2 3,786.0 3,456.1 3,433.2 3,160.7 2,602.5 2,743.4 1,417.9 1,297.1 1,040.2 866.4 863.8 800.9 747.1 731.6 783.1 0 0 0
Total Current Liabilities 355.5 5,313.9 5,150.8 4,754.8 5,130.3 4,944.2 3,953.6 3,639.1 3,637.2 3,334.2 2,923.9 3,107.0 1,875.3 1,541.2 1,265.1 1,148.4 1,126.8 1,236.3 993.4 842.7 964.8 21.7 12.7 13.2
Non-Current Liabilities
Long-Term Debt 246 395 380 95 25 276.2 791.2 851.2 778.7 843.7 678.8 556.5 403.8 396.2 319.3 296.9 246.1 231.4 96.4 124.4 107.0 68.1 77.1 67.7
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 5,312.9 108.7 115.8 91.3 63.6 80.2 74.7 60.1 37.0 34.0 0 0 23.7 21.1 17.5 14.5 12.0 (208.8) 7.7 19.4 10.1 0 0 0
Total Non-Current Liabilities 5,584.2 540.8 531.4 224.1 128.3 400.8 902.5 911.3 815.8 877.7 678.8 556.5 427.5 417.2 336.8 311.5 258.0 22.6 104.1 143.8 117.1 68.1 77.1 67.7
Total Liabilities 5,939.8 5,854.6 5,682.1 4,977.9 5,258.6 5,345.0 4,856.1 4,550.5 4,452.9 4,211.9 3,602.7 3,663.4 2,302.9 1,958.4 1,601.9 1,459.9 1,384.8 1,258.8 1,097.5 986.6 1,081.9 832.8 689.0 606.0
Stockholders' Equity
Common Stock 4.6 4.6 4.6 4.6 4.7 4.9 4.9 4.9 4.9 4.9 0 0 4.4 4.2 4.1 4.0 4.1 4.1 0 3.6 3.5 0 0 0
Retained Earnings 945.4 853.6 786.5 742.2 687.7 666.3 614.2 545.0 487.7 460.6 178.9 147.0 135.9 126.3 107.6 90.9 83.3 73.6 65.5 54.0 43.9 0 0 0
Accumulated Other Comprehensive Income (4.4) (14.2) (20.4) (32.0) 1.9 8.5 3.1 (1.0) 0.4 0.7 5.8 0.6 (2.4) (1.3) (0.1) (2.7) (3.8) (7.5) 0.2 (0.1) (0.2) 0 0 0
Total Stockholders' Equity 1,102.3 992.0 912.8 856.6 834.2 823.3 764.2 689.9 632.4 604.4 316.0 275.9 196.1 169.4 150.8 125.1 116.9 103.8 103.8 68.4 59.0 58.5 47.0 40.7
Total Liabilities & Equity 7,042.1 6,846.7 6,594.9 5,834.5 6,093.6 6,168.3 5,620.3 5,240.4 5,085.4 4,816.3 3,918.8 3,939.4 2,498.9 2,127.8 1,752.7 1,590.8 1,508.1 1,369 1,207.7 1,055.0 1,140.9 891.3 736.0 646.7
Debt Metrics
Total Debt 626.9 535.4 513.2 349.8 355.6 531.6 995.4 1,034.2 982.8 1,017.2 978.4 895.5 861.2 640.2 544.2 579.0 509.1 662.8 338.9 235.5 288.6 89.8 89.8 80.9
Net Debt 406.9 103.3 196.6 36.1 (401.3) 46.0 610.1 682.8 683.4 727.9 (89.8) 279.2 783.4 579.3 504.4 543.4 468.8 642.0 299 211.0 231.9 89.8 89.8 80.9
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Operating Activities
Net Income 131.3 101.4 90.4 91.1 87.6 83.2 91.7 77.9 45.6 45.9 35.1 32.5 28.2 20.5 16.8 12.9 12.3 13.8 12.3 2.7
Depreciation & Amortization 0 14.6 15.0 18.1 18.3 13.5 11.1 10.8 10.0 9.1 7.4 8.0 6.0 4.3 3.7 4.1 3.9 3.6 4.7 3.2
Stock-Based Compensation 0 2.8 2.7 3.0 2.6 1.9 1.6 1.6 1.3 1.2 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (5.2) (12.9) (30.3) (3.6) (3.6) (25.7) (2.0) 8.3 2.0 (7.6) 9.4 0.7 1.5 (2.2) 4.9 (0.2) 2.6 (1) 3.8 (0.6)
Other Non-Cash Items 42.1 43.1 30.7 46.2 (4.6) 2.6 2.8 20.6 18.8 (0.8) (6.2) (2.0) 58.2 (29.1) (29.6) 2.8 31.6 (31.2) (6.2) 7.0
Operating Cash Flow 168.2 149.0 108.5 154.8 100.3 75.4 105.2 119.2 77.8 47.7 45.7 39.3 94.0 (6.5) (4.1) 19.6 50.4 (14.8) 14.5 12.3
Investing Activities
Capital Expenditure (7.1) (5.8) (6.9) (3.5) (5.8) (3.6) (12.9) (9.8) (12.4) (7.0) (3.6) (5.8) (16.6) (7.6) (4.0) (4.6) (6.7) (7.4) (3.4) (8.7)
Acquisitions 0 0 (41.0) 0 0 0 6.1 0 0 (9.1) 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (864.1) (299.8) (70) (404.8) (211.5) (305.9) (453.6) (178.8) (240.8) (439.2) (4,521.9) (4,158.9) (653.7) (435.3) (329.6) (149.3) (150.4) (240.2) (149.3) (424.5)
Sales/Maturities of Investments 565.0 381.7 142.1 193.5 239.6 260.9 458.5 224.7 182.3 458.4 4,559.0 4,016.3 528.1 445.6 314.4 93.3 146.3 211.8 83.0 0
Other Investing Activities (129.8) (257.1) (541.2) (39.7) 284.3 (373.5) (433.3) (157.6) (216.2) (299.2) (282.2) (211.0) (276.0) (127.9) (43.7) (107.8) (165.6) (78.4) 116.8 156.6
Investing Cash Flow (436.1) (181.0) (517.0) (254.5) 306.6 (422.0) (435.2) (121.5) (287.1) (296.1) (248.8) (359.4) (418.1) (125.2) (62.8) (168.5) (176.4) (114.2) 47.1 (276.6)
Financing Activities
Net Debt Issuance 96.2 15 285 70 (250) (515) (60) 72.5 (65) 99 33.4 220.7 131.8 4.7 69.9 62.0 108.3 103.3 270.2 164.7
Stock Repurchased (0.1) 0 (20.3) (12.6) (47.5) (3.9) (1.4) (0.8) (1.0) (1.2) 0 (0.4) (0.4) (0.2) 0 0 0 0 0 0
Dividends Paid (33.9) (30.5) (28.4) (26.1) (24.7) (23.2) (21.4) (19.5) (17.7) (16.8) (6.0) (5.0) (8.3) (3.2) (2.8) (2.4) (1.8) (1.7) (2.0) (1.9)
Other Financing Activities (7.4) 163.1 174.9 (374.8) 186.8 989.0 446.6 2.3 303.1 246.7 184.6 120.8 221.1 133.6 2.6 62.9 53.7 19.8 (360.9) 82.8
Financing Cash Flow 55.7 147.6 411.3 (343.6) (135.4) 446.9 363.9 54.4 219.4 327.7 202.4 337.0 345.2 136.0 62.3 121.5 153.7 144.4 (93.7) 245.6
Cash Position
Net Change in Cash (212.2) 115.6 2.9 (443.3) 271.4 100.3 33.8 52.1 10.0 79.2 (0.7) 16.7 21.0 4.3 (4.6) (27.3) 27.6 (24.5) (32.1) (18.6)
Cash at Beginning 432.2 316.6 313.7 757.0 485.6 385.3 351.5 299.4 289.3 210.1 77.8 61.2 39.9 35.6 40.2 67.5 39.9 24.5 56.7 75.3
Cash at End 220.0 432.2 316.6 313.7 757.0 485.6 385.3 351.5 299.4 289.3 77.2 77.8 60.9 39.9 35.6 40.2 67.5 14.4 24.5 56.7
Free Cash Flow 161.1 143.2 101.6 151.3 94.5 71.8 92.3 109.4 65.4 40.6 42.0 33.5 77.4 (14.1) (8.1) 15.0 43.7 (22.2) 11.1 3.6
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 521.3 499.8 421.6 316.2 310.0 335.0 343.2 315.1 273.2 227.4 186.6 171.4 176.4 288.8 309.6 279.4 276.0 264.4 236.9 122.2 176.9 147.1 150.0 130.6 137.1 127.5 107.2 108.2 65.8 60.1 49.5 30.0 29.7
Gross Profit 385.9 324.6 306.6 286.4 289.5 283.8 272.7 253.6 225.2 194.9 162.7 149.0 152.0 251.0 261.4 223.0 193.3 175.8 125.5 31.7 114.1 103.7 106.6 85.5 75.7 59.3 55.8 54.9 7.7 7.1 7.5 7.0 8.2
Operating Income 165.7 127.7 113.2 116.8 111.4 102.6 113.2 94.3 78.4 69.0 53.2 44.3 40.5 183.9 144.2 98.4 66.0 51.9 38.2 42.8 45.6 39.5 43.8 31.7 26.4 19.3 18.5 21.4 19.1 4.7 12.2 9.1 7.8
Net Income 131.3 101.4 90.4 91.1 87.6 83.2 91.7 77.9 45.6 45.9 35.2 28.8 25.4 119.3 94.1 64.8 42.1 33.7 24.9 28.4 35.1 32.5 28.2 20.5 16.8 12.9 12.3 13.8 12.3 2.7 7.8 6.2 5.9
EPS (Diluted) 6.63 5.18 4.55 4.57 4.26 3.99 4.39 3.74 2.17 2.19 1.68 1.38 1.22 5.69 4.49 3.10 2.02 1.62 1.20 1.29 1.48 1.30 1.35 0.99 0.83 0.63 0.58 0.68 0.67 0.15 0.43 0.34 0.32
Balance Sheet
Cash & Equivalents 220.0 432.2 316.6 313.7 757.0 485.6 385.3 351.5 299.4 289.3 1,068.2 616.3 77.8 60.9 39.9 35.6 40.2 20.8 39.9 24.5 56.7 0 0 0
Total Assets 7,042.1 6,846.7 6,594.9 5,834.5 6,093.6 6,168.3 5,620.3 5,240.4 5,085.4 4,816.3 3,918.8 3,939.4 2,498.9 2,127.8 1,752.7 1,590.8 1,508.1 1,369 1,207.7 1,055.0 1,140.9 891.3 736.0 646.7
Total Debt 626.9 535.4 513.2 349.8 355.6 531.6 995.4 1,034.2 982.8 1,017.2 978.4 895.5 861.2 640.2 544.2 579.0 509.1 662.8 338.9 235.5 288.6 89.8 89.8 80.9
Stockholders' Equity 1,102.3 992.0 912.8 856.6 834.2 823.3 764.2 689.9 632.4 604.4 316.0 275.9 196.1 169.4 150.8 125.1 116.9 103.8 103.8 68.4 59.0 58.5 47.0 40.7
Cash Flow
Operating Cash Flow 168.2 149.0 108.5 154.8 100.3 75.4 105.2 119.2 77.8 47.7 45.7 39.3 94.0 (6.5) (4.1) 19.6 50.4 (14.8) 14.5 12.3
Capital Expenditure (7.1) (5.8) (6.9) (3.5) (5.8) (3.6) (12.9) (9.8) (12.4) (7.0) (3.6) (5.8) (16.6) (7.6) (4.0) (4.6) (6.7) (7.4) (3.4) (8.7)
Free Cash Flow 161.1 143.2 101.6 151.3 94.5 71.8 92.3 109.4 65.4 40.6 42.0 33.5 77.4 (14.1) (8.1) 15.0 43.7 (22.2) 11.1 3.6