RBCAA Class A Republic Bancorp, Inc. - Class A Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$93.70
· of 52w range
· above low
· to high
$63.9752w low
$102.2252w high
Revenue
$417M
your badges
52W Range
$64–$102
Analyst Rating
HOLD
Price Target
$98
P/E
·
ROE
12.2%
Net Profit Margin
31.3%
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RBCAA Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$93.69
Revenue
$417M
ROE
12.2%
52W Range
$64–$102
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| March 21, 2007 | 21-for-20 | Forward |
| March 22, 2006 | 21-for-20 | Forward |
| March 22, 2005 | 21-for-20 | Forward |
| March 26, 2004 | 21-for-20 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$417M2023-12-31 → 2025-12-31
Free Cash Flow$161M2023-12-31 → 2025-12-31
Net margin31.3%2023-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | RBCAA | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1.6% | · | 2.6% | Weak | |
| Pretax Margin (TTM) | 39.9% | · | 40.6% | In line | |
| Net Profit Margin (TTM) | 31.3% | · | 32.5% | In line | |
| ROA | 1.9% | · | 1.2% | Top tier | |
| ROE | 12.2% | · | 10.6% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | RBCAA | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 8.5% | · | · | · | |
| Revenue CAGR 3Y | 8.5% | · | · | · | |
| Revenue CAGR 5Y | 5.5% | · | · | · | |
| Net Income YoY | 29.5% | · | · | · | |
| Net Income CAGR 3Y | 13.0% | · | · | · | |
| Net Income CAGR 5Y | 9.5% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | RBCAA | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | · | 0.0 | Top tier | |
| Revenue / Employee | ≈$435.8K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio25.8%
Annualized Payout≈$1.98
5Y Div CAGR≈9.5%
Growth Streak≈26
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 18, 2026 | $0.50 | USD | ≈2.1% |
| Jun 18, 2026 | $0.50 | USD | ≈2.2% |
| Mar 20, 2026 | $0.50 | USD | ≈2.8% |
| Dec 19, 2025 | $0.45 | USD | ≈2.5% |
| Sep 19, 2025 | $0.45 | USD | ≈2.4% |
| Jun 20, 2025 | $0.45 | USD | ≈2.5% |
| Mar 21, 2025 | $0.45 | USD | ≈2.6% |
| Dec 20, 2024 | $0.41 | USD | ≈2.3% |
| Sep 20, 2024 | $0.41 | USD | ≈2.4% |
| Jun 21, 2024 | $0.41 | USD | ≈3.2% |
| Mar 14, 2024 | $0.41 | USD | ≈3.2% |
| Dec 14, 2023 | $0.37 | USD | ≈2.8% |
| Sep 14, 2023 | $0.37 | USD | ≈3.3% |
| Jun 15, 2023 | $0.37 | USD | ≈3.1% |
| Mar 16, 2023 | $0.37 | USD | ≈3.4% |
| Dec 15, 2022 | $0.34 | USD | ≈3.3% |
| Sep 15, 2022 | $0.34 | USD | ≈3.3% |
| Jun 16, 2022 | $0.34 | USD | ≈2.9% |
| Mar 17, 2022 | $0.34 | USD | ≈2.8% |
| Dec 16, 2021 | $0.31 | USD | ≈2.3% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
9.6%
Next Report
Oct 16, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| March 31, 2026 | $2.18 | $1.76 | 23.8% | |
| Dec. 31, 2025 | $1.17 | $1.40 | -16.2% | |
| Sept. 30, 2025 | $1.52 | $1.45 | 5.0% | |
| June 30, 2025 | $1.61 | $1.48 | 8.9% | |
| March 31, 2025 | $2.42 | $1.92 | 26.3% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $417M | $385M | $360M | $327M | $309M | $319M | $311M | $289M | |
| Interest Expense | · | · | $67M | $7M | $6M | $20M | $45M | $30M | |
| Interest Income | $439M | $433M | $356M | $244M | $228M | $252M | $281M | $256M | |
| Pretax Income | $166M | $128M | $113M | $117M | $111M | $103M | $113M | $94M | |
| Income Tax | $34M | $26M | $23M | $26M | $24M | $19M | $21M | $16M | |
| Net Income | $131M | $101M | $90M | $91M | $88M | $83M | $92M | $78M | |
| Shares (Diluted) | 19,809,000 | 19,736,000 | 19,853,000 | 20,101,000 | 20,757,000 | 21,069,000 | 21,135,000 | 21,065,000 | |
| EBITDA | $7M | $7M | $7M | $8M | $9M | $10M | $9M | $9M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $220M | $432M | $317M | $314M | $757M | $486M | $385M | $351M | |
| PP&E (Net) | $36M | $32M | $33M | $32M | $36M | $40M | $46M | $43M | |
| PP&E (Gross) | $128M | $120M | $118M | $111M | $110M | $111M | $110M | $102M | |
| Accum. Depreciation | $92M | $87M | $85M | $79M | $74M | $71M | $64M | $59M | |
| Goodwill | $41M | $41M | $41M | $16M | $16M | $16M | $16M | $16M | |
| Intangibles | · | · | $7M | $9M | $9M | $7M | $6M | $5M | |
| Total Assets | $7.04B | $6.85B | $6.59B | $5.84B | $6.17B | $6.17B | $5.62B | $5.24B | |
| Total Liabilities | $5.94B | $5.85B | $5.68B | $4.98B | $5.26B | $5.35B | $4.86B | $4.55B | |
| Common Stock | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | |
| Paid-in Capital | $157M | $148M | $142M | $142M | $140M | $144M | $142M | $141M | |
| Retained Earnings | $945M | $854M | $786M | $742M | $689M | $666M | $614M | $545M | |
| AOCI | $-4M | $-14M | $-20M | $-32M | $2M | $9M | $3M | $-997.0K | |
| Stockholders' Equity | $1.10B | $992M | $913M | $857M | $835M | $823M | $764M | $690M | |
| Liabilities + Equity | $7.04B | $6.85B | $6.59B | $5.84B | $6.09B | $6.17B | $5.62B | $5.24B |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $7M | $7M | $7M | $8M | $9M | $10M | $9M | $9M | |
| Stock-based Comp | $2M | $1M | $1M | $2M | $2M | $953.0K | $1M | $1M | |
| Amort. of Intangibles | · | · | $405.0K | · | $189.0K | · | · | · | |
| Other Non-cash | $28M | $39M | $10M | $54M | $2M | $-25M | $-5M | $31M | |
| Operating Cash Flow | $168M | $149M | $109M | $155M | $100M | $75M | $105M | $119M | |
| CapEx | $7M | $6M | $7M | $4M | $6M | $4M | $13M | $10M | |
| Investing Cash Flow | $-436M | $-181M | $-517M | $-255M | $307M | $-422M | $-435M | $-122M | |
| Stock Repurchased | $72.0K | · | $20M | $13M | $48M | $4M | $1M | $827.0K | |
| Net Stock Activity | $-72.0K | · | $-20M | $-13M | $-48M | $-4M | $-1M | $-827.0K | |
| Dividends Paid | $34M | $31M | $28M | $26M | $25M | $23M | $21M | $19M | |
| Financing Cash Flow | $56M | $148M | $411M | $-344M | $-135M | $447M | $364M | $54M | |
| Net Change in Cash | $-212M | $116M | $3M | $-443M | $271M | $100M | $34M | $52M | |
| Taxes Paid | $22M | $27M | $21M | $22M | $20M | $25M | $17M | $11M | |
| Free Cash Flow | $161M | $143M | $102M | $151M | $94M | $65M | $84M | $110M | |
| Levered FCF | · | · | $48M | $145M | $89M | $49M | $48M | $85M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.4% | 26.3% | 25.1% | 27.9% | 28.2% | 26.1% | 29.5% | 26.9% | |
| Pretax Margin | 39.7% | 33.2% | 31.4% | 35.8% | 35.9% | 32.1% | 36.4% | 32.6% | |
| EBITDA Margin | 1.6% | 1.8% | 2.0% | 2.3% | 2.9% | 3.0% | 3.0% | 3.2% | |
| ROA | 1.9% | 1.5% | 1.4% | 1.5% | 1.4% | 1.3% | 1.6% | 1.5% | |
| ROE | 12.2% | 10.3% | 10.0% | 10.7% | 10.4% | 10.2% | 12.2% | 11.4% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $21.08 | $19.50 | $18.15 | $16.24 | $14.81 | $15.16 | $14.72 | $13.74 | |
| Cash Flow / Share | $8.49 | $7.55 | $5.47 | $7.70 | $4.79 | $3.25 | $4.60 | $5.66 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 8.5% | 6.8% | 10.3% | 5.6% | -3.1% | · | · | · | |
| Revenue CAGR 3Y | 8.5% | 7.5% | 4.1% | · | · | · | · | · | |
| Revenue CAGR 5Y | 5.5% | · | · | · | · | · | · | · | |
| Net Income YoY | 29.5% | 12.2% | -0.80% | 4.0% | 5.2% | · | · | · | |
| Net Income CAGR 3Y | 13.0% | 5.0% | 2.8% | · | · | · | · | · | |
| Net Income CAGR 5Y | 9.5% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 7.8% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $417M | $385M | $360M | $327M | $309M | $319M | $311M | $289M | |
| Net Income TTM | $131M | $101M | $90M | $91M | $88M | $83M | $92M | $78M | |
| Payout Ratio | 25.8% | 30.1% | 31.4% | 28.7% | 28.5% | 27.9% | 23.3% | 25.0% | |
| Annual Payout | $34M | $31M | $28M | $26M | $25M | $23M | $21M | $19M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $101M | $120M | $94M | $94M | $94M | $136M | $90M | $88M | $87M | $120M | $82M | $79M | $84M | $115M | $76M | $74M | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $34M | · | $21M | $15M | $8M | · | $2M | |
| Interest Income | $103M | $114M | $103M | $103M | $102M | $130M | $103M | $102M | $98M | $131M | $91M | $86M | $79M | $100M | $67M | $61M | |
| Pretax Income | $43M | $55M | $28M | $38M | $40M | $60M | $23M | $34M | $32M | $39M | $24M | $27M | $27M | $36M | $23M | $26M | |
| Income Tax | $10M | $13M | $5M | $8M | $9M | $13M | $4M | $7M | $7M | $8M | $4M | $6M | $5M | $8M | $5M | $6M | |
| Net Income | $33M | $43M | $23M | $30M | $31M | $47M | $19M | $27M | $25M | $31M | $20M | $22M | $21M | $28M | $19M | $20M | |
| Shares (Diluted) | 19,864,000 | 19,830,000 | · | 19,791,000 | 19,784,000 | 19,797,000 | · | 19,735,000 | 19,714,000 | 19,694,000 | · | 19,774,000 | 19,906,000 | 19,990,000 | · | 19,981,000 | |
| EBITDA | · | $2M | · | · | · | $2M | · | · | · | $2M | · | · | · | $2M | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $354M | $599M | $220M | $484M | $485M | $793M | $432M | $531M | $400M | $546M | · | $220M | $242M | $249M | · | $754M | |
| PP&E (Net) | $42M | $41M | $36M | $38M | $37M | $32M | $32M | $33M | $33M | $34M | · | $34M | $34M | $34M | · | $33M | |
| PP&E (Gross) | · | · | $128M | · | · | · | $120M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $92M | · | · | · | $87M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $41M | $41M | $41M | $41M | $41M | $41M | $41M | $41M | $41M | $41M | $41M | $41M | $41M | $42M | $16M | $16M | |
| Total Assets | $7.06B | $7.25B | $7.04B | $7.01B | $6.97B | $7.08B | $6.85B | $6.69B | $6.62B | $6.88B | $6.59B | $6.39B | $6.37B | $6.07B | $5.84B | $6.00B | |
| Total Liabilities | $5.91B | $6.12B | $5.94B | $5.93B | $5.91B | $6.04B | $5.85B | $5.71B | $5.66B | $5.94B | · | $5.49B | $5.48B | $5.19B | · | $5.16B | |
| Common Stock | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | · | $5M | $5M | $5M | · | $5M | |
| Paid-in Capital | $161M | $159M | $157M | $155M | $154M | $151M | $148M | $147M | $144M | $142M | · | $142M | $142M | $143M | · | $141M | |
| Retained Earnings | $999M | $976M | $945M | $932M | $911M | $890M | $854M | $843M | $825M | $809M | · | $778M | $771M | $763M | · | $729M | |
| AOCI | $-8M | $-7M | $-4M | $-7M | $-10M | $-12M | $-14M | $-14M | $-19M | $-20M | · | $-31M | $-31M | $-28M | · | $-33M | |
| Stockholders' Equity | $1.16B | $1.13B | $1.10B | $1.08B | $1.06B | $1.03B | $992M | $980M | $955M | $936M | $913M | $893M | $887M | $882M | $857M | $841M | |
| Liabilities + Equity | $7.06B | $7.25B | $7.04B | $7.01B | $6.97B | $7.08B | $6.85B | $6.69B | $6.62B | $6.88B | · | $6.39B | $6.37B | $6.07B | · | $6.00B |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $903.0K | $507.0K | $595.0K | $446.0K | $885.0K | $190.0K | $597.0K | $327.0K | $227.0K | $160.0K | $-109.0K | $347.0K | $622.0K | $438.0K | $356.0K | $355.0K | |
| Other Non-cash | · | $28M | · | · | · | $44M | · | · | · | $39M | · | · | · | $41M | · | · | |
| Operating Cash Flow | $1M | $73M | $33M | $33M | $8M | $89M | $23M | $52M | $4M | $71M | $22M | $21M | $-6M | $71M | $20M | $41M | |
| CapEx | $1M | $5M | $-276.0K | $2M | $3M | $2M | $935.0K | $1M | $1M | $2M | $2M | $2M | $2M | $2M | $879.0K | $782.0K | |
| Investing Cash Flow | $-57M | $156M | $-299M | $-54M | $-202M | $122M | $-271M | $47M | $121M | $-78M | $-106M | $-25M | $-287M | $-99M | $-275M | $49M | |
| Stock Repurchased | · | · | $0 | $0 | · | · | · | · | · | · | $4M | $9M | · | · | $413.0K | $3M | |
| Dividends Paid | $10M | $9M | $9M | $9M | $9M | $8M | $8M | $8M | $8M | $7M | $7M | $7M | $7M | $7M | $7M | $7M | |
| Financing Cash Flow | $-189M | $150M | $1M | $20M | $-115M | $149M | $150M | $32M | $-271M | $236M | $180M | $-18M | $285M | $-36M | $-186M | $-131M | |
| Net Change in Cash | $-245M | $379M | $-264M | $-570.0K | $-308M | $361M | $-99M | $131M | $-146M | $230M | $97M | $-22M | $-7M | $-64M | $-441M | $-41M | |
| Taxes Paid | $14M | $508.0K | $2M | $4M | $16M | $392.0K | $7M | $5M | $15M | $570.0K | $4M | $155.0K | $17M | $471.0K | $7M | $6M | |
| Free Cash Flow | · | $68M | · | · | · | $92M | · | · | · | $69M | · | · | · | $69M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $42M | · | · | · | $63M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.5% | 35.4% | · | 31.8% | 33.6% | 34.8% | · | 30.1% | 29.0% | 25.4% | · | 27.4% | 25.0% | 24.4% | · | 26.7% | |
| Pretax Margin | 42.0% | 46.0% | · | 40.4% | 43.0% | 44.1% | · | 38.4% | 37.0% | 32.2% | · | 34.3% | 31.5% | 31.3% | · | 34.8% | |
| EBITDA Margin | · | 1.5% | · | · | · | 1.4% | · | · | · | 1.6% | · | · | · | 1.4% | · | · | |
| ROA | 0.47% | 0.59% | · | 0.43% | 0.46% | 0.68% | · | 0.41% | 0.39% | 0.47% | · | 0.35% | 0.34% | 0.45% | · | 0.32% | |
| ROE | 3.0% | 3.9% | · | 2.9% | 3.1% | 4.8% | · | 2.8% | 2.7% | 3.4% | · | 2.5% | 2.4% | 3.3% | · | 2.3% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $5.10 | $6.07 | · | $4.73 | $4.74 | $6.86 | · | $4.47 | $4.41 | $6.11 | · | $3.99 | $4.23 | $5.77 | · | $3.66 | |
| Cash Flow / Share | · | $3.68 | · | · | · | $4.71 | · | · | · | $3.62 | · | · | · | $3.54 | · | · |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $409M | $402M | · | $413M | $407M | $400M | · | $377M | $368M | $365M | · | $355M | $349M | $348M | · | $319M | |
| Net Income TTM | $128M | $127M | · | $128M | $124M | $118M | · | $102M | $97M | $93M | · | $89M | $88M | $91M | · | $90M | |
| Payout Ratio | · | 20.4% | · | · | · | 16.5% | · | · | · | 23.3% | · | · | · | 23.7% | · | · | |
| Annual Payout | $36M | $35M | · | $33M | $32M | $31M | · | $30M | $29M | $29M | · | $28M | $27M | $27M | · | $26M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenue | $417M | · | · | $385M | · |
| Net Income | $131M | · | · | $101M | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $161M | · | · | $143M | · |
Institutional owners (13F) 166 filers · $555.4M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
166
Value held
$555.4M
New positions
29
Exited positions
15
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 29 (+1 vs prior Q) | 15 (+5 vs prior Q) | 70 (+14 vs prior Q) | 28 (-7 vs prior Q) | +479K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | $84,376,588 | 933,059 | 15.19% | Shares |
| BlackRock, Inc. | $71,470,446 | 790,340 | 12.87% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $56,818,254 | 628,312 | 10.23% | Shares |
| VANGUARD GROUP INC | $42,873,214 | 621,441 | 7.72% | Shares |
| AMERICAN CENTURY COMPANIES INC | $35,934,621 | 397,375 | 6.47% | Shares |
| MORGAN STANLEY | $30,950,059 | 342,254 | 5.57% | Shares |
| STATE STREET CORP | $30,557,365 | 336,448 | 5.50% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $22,831,205 | 252,432 | 4.11% | Shares |
| GENDELL JEFFREY L | $12,923,894 | 142,916 | 2.33% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $11,887,747 | 131,458 | 2.14% | Shares |
| TWO SIGMA INVESTMENTS, LP | $10,366,714 | 114,638 | 1.87% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $10,113,329 | 111,836 | 1.82% | Shares |
| NORTHERN TRUST CORP | $7,657,702 | 84,681 | 1.38% | Shares |
| Empowered Funds, LLC | $7,423,941 | 82,096 | 1.34% | Shares |
| GOLDMAN SACHS GROUP INC | $6,878,016 | 76,059 | 1.24% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $6,844,104 | 75,684 | 1.23% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $6,253,054 | 69,148 | 1.13% | Shares |
| FIRST TRUST ADVISORS LP | $5,493,803 | 60,752 | 0.99% | Shares |
| Bank of New York Mellon Corp | $5,253,430 | 58,094 | 0.95% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $4,440,113 | 49,100 | 0.80% | Shares |
| Inspire Advisors, LLC | $3,569,629 | 39,213 | 0.64% | Shares |
| CARY STREET PARTNERS FINANCIAL LLC | $3,558,059 | 39,346 | 0.64% | Shares |
| Glenview Trust Co | $3,081,492 | 34,076 | 0.55% | Shares |
| CM Management, LLC | $2,893,760 | 32,000 | 0.52% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $2,514,715 | 27,808 | 0.45% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $2,246,733 | 24,845 | 0.40% | Shares |
| Formidable Asset Management, LLC | $2,198,474 | 31,162 | 0.40% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $2,106,205 | 23,291 | 0.38% | Shares |
| JPMORGAN CHASE & CO | $2,069,134 | 22,520 | 0.37% | Shares |
| GUIDANCE CAPITAL, INC | $1,836,508 | 19,893 | 0.33% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $1,700,808 | 18,808 | 0.31% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,665,992 | 18,423 | 0.30% | Shares |
| Quantinno Capital Management LP | $1,650,714 | 18,254 | 0.30% | Shares |
| UBS Group AG | $1,596,541 | 17,655 | 0.29% | Shares |
| Cerity Partners LLC | $1,595,285 | 17,642 | 0.29% | Shares |
| Nuveen, LLC | $1,588,674 | 17,568 | 0.29% | Shares |
| Swiss National Bank | $1,582,525 | 17,500 | 0.28% | Shares |
| D. SCOTT NEAL, INC. | $1,517,250 | 21,000 | 0.27% | Shares |
| Garton & Associates Financial Advisors LLC | $1,407,360 | 15,563 | 0.25% | Shares |
| Wealth Dimensions Group, Ltd. | $1,394,883 | 15,425 | 0.25% | Shares |
| PNC Financial Services Group, Inc. | $1,374,626 | 15,201 | 0.25% | Shares |
| D. E. Shaw & Co., Inc. | $1,250,647 | 13,830 | 0.23% | Shares |
| Creative Planning | $1,103,155 | 12,199 | 0.20% | Shares |
| WELLS FARGO & COMPANY/MN | $1,091,658 | 12,072 | 0.20% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,082,990 | 11,976 | 0.20% | Shares |
| Invesco Ltd. | $1,074,942 | 11,887 | 0.19% | Shares |
| RHUMBLINE ADVISERS | $1,070,685 | 11,840 | 0.19% | Shares |
| Trexquant Investment LP | $1,048,174 | 11,591 | 0.19% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $1,044,846 | 14,810 | 0.19% | Shares |
| CITIGROUP INC | $1,011,098 | 11,181 | 0.18% | Shares |
Activists & 5%+ owners 7 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Steven E. Trager ×5 filings | Feb. 14, 2024 | · | Initial filing | · | SEC |
| Sheldon G. Gilman ×2 filings | Feb. 14, 2024 | · | Initial filing | · | SEC |
| A. Scott Trager ×3 filings | Feb. 14, 2024 | · | Initial filing | · | SEC |
| Trager Trust of 2012 ×2 filings | Feb. 14, 2024 | · | Initial filing | · | SEC |
| Teebank Family Limited Partnership ×2 filings | Feb. 14, 2024 | · | Initial filing | · | SEC |
| Jean S. Trager, Jean S. Trager Trust ×5 filings | Feb. 15, 2022 | · | Initial filing | · | SEC |
| Bernard M. Trager, Jean S. Trager, Jean S. Trager Trust ×9 filings | March 29, 2012 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 49 insiders · 21 officers · 29 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Logan Pichel | PRESIDENT & CEO, REPUBLIC BANK | Sept. 30, 2026 A | 64,475 | 0 | 0 | $0 |
| Steve Trager | Chairman and CEO | Feb. 11, 2022 S | 3,629,275 | 0 | 0 | $0 |
| Ted M Parker | CEO of Acquisitions | Oct. 10, 2008 A | · | 0 | 0 | $0 |
| Kevin D Sipes | EVP & CHIEF FINANCIAL OFFICER | Sept. 30, 2026 A | 76,873 | 0 | 0 | $0 |
| Brent J Shuman | Interim President RPG | Sept. 30, 2026 A | 3,647 | 0 | 0 | $0 |
| William R Nelson | PRESIDENT, RPG | June 30, 2026 A | 34,206 | 0 | 0 | $0 |
| Bill Petter | Vice Chairman & COO | March 7, 2006 C | 15,073 | 0 | 0 | $0 |
| Scott Nardi | SVP, Risk & Compliance Officer | Sept. 30, 2026 A | 2,165 | 0 | 0 | $0 |
| Cheryl Vanallen | EVP & CHIEF PEOPLE OFFICER | Sept. 30, 2026 A | 2,337 | 0 | 0 | $0 |
| Christy Ames | EVP, GENERAL COUNSEL | Sept. 30, 2026 A | 6,278 | 0 | 1 | $-29,886 |
| Jeff Starke | EVP, CHIEF INFORMATION OFFICER | Sept. 30, 2026 A | 6,649 | 0 | 1 | $-10,043 |
| Juan Montano | EVP, CHIEF MTG BANKING OFFICER | Sept. 30, 2026 A | 13,684 | 0 | 0 | $0 |
| Anthony T Powell | EVP, CHIEF LENDING OFFICER | Sept. 30, 2026 A | 24,923 | 0 | 1 | $-250,620 |
| Scott Trager | VICE CHAIRMAN | Feb. 26, 2026 P | 57,684 | 1 | 0 | $10,527 |
| Steven E Deweese | EVP, MG DIR COMM & PRIV BANK | Oct. 1, 2025 A | 33,619 | 0 | 0 | $0 |
| John T Rippy | EVP, CHIEF RISK OFFICER | June 30, 2025 A | 26,187 | 0 | 0 | $0 |
| Margaret S Wendler | EVP & CHIEF HR OFFICER | March 31, 2025 A | 16,548 | 0 | 0 | $0 |
| Pedro A Bryant | EVP, SR BUS DEVELOPMENT EXEC | July 24, 2024 S | 1,425 | 0 | 0 | $0 |
| Robert J Arnold | SVP, Commercial Lending | Dec. 31, 2019 A | 5,696 | 0 | 0 | $0 |
| David Vest | Executive Vice President | April 18, 2008 M | 84,894 | 0 | 0 | $0 |
| Bernard M Trager | Chairman | Dec. 6, 2006 G | 391,490 | 0 | 0 | $0 |
| Yoania Cannon | Director | Sept. 30, 2026 A | 2,959 | 0 | 0 | $0 |
| Vidya Ravichandran | Director | Sept. 30, 2026 A | 3,927 | 0 | 0 | $0 |
| Jennifer N Green | Director | Sept. 30, 2026 A | 3,934 | 0 | 0 | $0 |
| Heather V Howell | Director | Sept. 30, 2026 A | 9,790 | 0 | 0 | $0 |
| Ernest W Marshall JR | Director | Sept. 30, 2026 A | 9,334 | 0 | 0 | $0 |
| Mark A Vogt | Director | Sept. 30, 2026 A | 22,514 | 0 | 0 | $0 |
| David P Feaster | Director | June 30, 2026 A | 5,738 | 0 | 0 | $0 |
| William Patrick Mulloy II | Director | June 30, 2026 A | 28,260 | 0 | 0 | $0 |
| Alejandro M Sanchez | Director | May 20, 2026 A | 510 | 0 | 1 | $-74,166 |
| William Kenneth Oyler II | Director | May 20, 2026 A | 4,349 | 0 | 0 | $0 |
| Timothy S. Huval | Director | May 20, 2026 A | 2,873 | 0 | 0 | $0 |
| Kusman Andrew Trager | Director | May 8, 2026 G | 346,421 | 0 | 0 | $0 |
| George Nichols III | Director | March 29, 2024 A | 5,089 | 0 | 0 | $0 |
| Michael T Rust | Director | March 29, 2024 A | 20,968 | 0 | 0 | $0 |
| Stout Sue Tamme | Director | March 29, 2024 A | 24,230 | 0 | 0 | $0 |
| Craig Greenberg | Director | Dec. 30, 2022 A | 17,921 | 0 | 0 | $0 |
| Laura M Douglas | Director | March 31, 2022 A | 1,326 | 0 | 0 | $0 |
| Ronald F Barnes | Director | March 31, 2022 A | 10,024 | 0 | 0 | $0 |
| Brown Campbell P | Director | March 31, 2021 A | 1,648 | 0 | 0 | $0 |
| Wayne R Stratton | Director | March 31, 2020 A | 13,977 | 0 | 0 | $0 |
| Sandy Metts Snowden | Director | March 31, 2016 A | 23,528 | 0 | 0 | $0 |
| Charles E Anderson | Director | March 31, 2008 P | 73,176 | 0 | 0 | $0 |
| Henry M Altman JR | Director | March 30, 2007 P | 3,483 | 0 | 0 | $0 |
| Michael J Brown | Director | March 31, 2005 A | 78 | 0 | 0 | $0 |
| Jean S Trager | 10% owner | Feb. 11, 2022 G | 0 | 0 | 0 | $0 |
| Trager Trust Jean S | 10% owner | Feb. 11, 2022 G | 0 | 0 | 0 | $0 |
| TEEBANK FAMILY LTD PARTNERSHIP | 10% owner | Aug. 14, 2020 P | 7,165,276 | 0 | 0 | $0 |
| Sheldon G Gilman | 10% owner | May 16, 2005 P | 11,762 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 34 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| FYT · First Trust Exchange-Traded AlphaDE… | 0.40% | 7,779 NS | July 31, 2026 | N-PORT |
| FYX · First Trust Exchange-Traded AlphaDE… | 0.21% | 28,939 NS | July 31, 2026 | N-PORT |
| DPST · Direxion Shares ETF Trust | 0.15% | 6,294 NS | July 31, 2026 | N-PORT |
| FAB · First Trust Exchange-Traded AlphaDE… | 0.08% | 1,345 NS | July 31, 2026 | N-PORT |
| JPSE · J.P. Morgan Exchange-Traded Fund Tr… | 0.07% | 3,860 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.05% | 7,453 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.05% | 69,561 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.04% | 31,636 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.04% | 57,309 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 952 SH | Sept. 30, 2026 | Daily |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0.03% | 2,306 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.03% | 225,374 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.03% | 4,080 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.03% | 7,539 SH | Oct. 2, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 49,279 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.01% | 624 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 110,247 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 2,336 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 532 SH | Sept. 11, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.01% | 35,950 NS | July 31, 2026 | N-PORT |
| PFM · Invesco Exchange-Traded Fund Trust | 0.01% | 498 SH | Sept. 29, 2026 | Daily |
| TILT · FlexShares Trust | 0.01% | 1,134 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,562 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 938 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 4,248 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 3,214 SH | Sept. 11, 2026 | Daily |
| ITOT · iShares Trust | 0.00% | 15,189 SH | Sept. 11, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 2,770 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 504,355 SH | Aug. 19, 2026 | Daily |
| VIG · VANGUARD SPECIALIZED FUNDS | 0.00% | 54,335 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 769 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 82,344 SH | Sept. 11, 2026 | Daily |
| ISCB · iShares Trust | · | 397 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 1,996 SH | Sept. 11, 2026 | Daily |
RBCAA Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 8 analysts
SELL
Median target
$98.00
+4.6%
0 0.0%
Strong Buy
0 0.0%
Buy
3 37.5%
Hold
2 25.0%
Sell
3 37.5%
Strong Sell
12-Month Price Target
1 analysts · 2026-10-04Mean target $98.00 +4.6%
Low$98.00
Mean$98.00
High$98.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| RBCAA | · | · | 8.5% | 31.4% | 12.2% | · |
| TCBK | $1.53B | 12.8 | 4.1% | 227.5% | 9.4% | · |
| OCFC | $1.03B | 15.3 | 5.4% | 17.5% | 4.2% | · |
| OBK | · | 15.7 | 9.9% | · | · | · |
| QCRH | $1.39B | 11.1 | 46.3% | 34.4% | 11.8% | · |
| CNOB | · | · | · | · | · | · |
| CASH | · | 9.4 | 5.3% | 22.1% | 22.1% | · |
| TFIN | $1.49B | 67.3 | 5.6% | 5.8% | 2.7% | · |
| LKFN | $1.44B | 14.2 | 6.1% | 38.4% | 14.3% | · |
| ESQ | $873M | 17.4 | 17.4% | 34.7% | 18.4% | · |
| AMAL | $955M | 9.4 | 4.1% | 31.8% | 13.5% | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
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Source: SEC 10-Q filed Aug 7, 2026