Republic Bancorp, Inc. (RBCAA) Income Statement
RBCAA 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsRBCAA revenue and net income
Where RBCAA's revenue goes
2025Each bar shows an amount and its share of revenue. RBCAA kept 25.2% of revenue as net income.
RBCAA profit margins
RBCAA growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +4.3% | +18.1% | +9.2% | +10.8% |
| Gross profit | +18.9% | +10.5% | +6.3% | +9.0% |
| Operating income | +29.8% | +12.4% | +10.1% | +12.0% |
| Net income | +29.5% | +13.0% | +9.5% | +14.1% |
| EPS (diluted) | +27.5% | +13.8% | +10.8% | +14.7% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
RBCAA quarterly EPS vs estimates
Republic Bancorp beat the analyst EPS estimate in 6 of the last 8 quarters.
RBCAA income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $521.3M | $499.8M | $421.6M | $316.2M | $310.0M | $335.0M | $343.2M | $315.1M | $273.2M | $227.4M |
| Cost of revenue | $135.4M | $175.2M | $114.9M | $29.8M | $20.5M | $51.2M | $70.5M | $61.5M | $48.0M | $32.4M |
| Gross profit | $385.9M | $324.6M | $306.6M | $286.4M | $289.5M | $283.8M | $272.7M | $253.6M | $225.2M | $194.9M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $149.0M | $131.1M | $127.0M | $119.8M | $116.1M | $111.2M | $104.9M | $113.0M | $102.9M | $87.2M |
| Total operating expenses | $220.2M | $196.9M | $193.4M | $169.5M | $178.1M | $181.2M | $159.5M | $159.4M | $146.9M | $126.0M |
| Operating income | $165.7M | $127.7M | $113.2M | $116.8M | $111.4M | $102.6M | $113.2M | $94.3M | $78.4M | $69.0M |
| Interest income | $438.5M | $433.0M | $331.8M | $244.2M | $226.3M | $252.3M | $280.9M | $256.2M | $218.8M | $174.0M |
| Interest expense | $103.8M | $120.8M | $67.3M | $7.5M | $5.7M | $19.9M | $44.8M | $30.1M | $20.3M | $17.9M |
| Income before taxes | $165.7M | $127.7M | $113.2M | $116.8M | $111.4M | $102.6M | $113.2M | $94.3M | $78.4M | $69.0M |
| Income taxes | $34.4M | $26.3M | $22.8M | $25.7M | $23.8M | $19.4M | $21.5M | $16.4M | $32.8M | $23.1M |
| Net income | $131.3M | $101.4M | $90.4M | $91.1M | $87.6M | $83.2M | $91.7M | $77.9M | $45.6M | $45.9M |
| EBITDA | $180.4M | $142.3M | $128.2M | $134.9M | $129.8M | $116.1M | $124.2M | $105.0M | $88.4M | $78.0M |
| EPS (diluted) | $6.67 | $5.23 | $4.79 | $4.53 | $3.53 | $4.00 | $3.99 | $3.72 | $2.48 | $2.20 |
| Gross margin | 74.0% | 64.9% | 72.7% | 90.6% | 93.4% | 84.7% | 79.5% | 80.5% | 82.4% | 85.7% |
| Operating margin | 31.8% | 25.6% | 26.9% | 37.0% | 35.9% | 30.6% | 33.0% | 29.9% | 28.7% | 30.3% |
| Net margin | 25.2% | 20.3% | 21.4% | 28.8% | 28.3% | 24.8% | 26.7% | 24.7% | 16.7% | 20.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $128.7M | $139.1M | $118.7M | $118.2M | $118.4M | $161.4M | $115.6M | $116.8M | $114.6M | $152.7M | $104.4M | $98.6M |
| Cost of revenue | $26.0M | $33.1M | $34.5M | $28.3M | $27.8M | $44.8M | $40.7M | $35.9M | $34.3M | $64.3M | $35.0M | $24.8M |
| Gross profit | $102.8M | $106.0M | $84.2M | $89.9M | $90.5M | $116.5M | $75.0M | $80.9M | $80.3M | $88.4M | $69.4M | $73.9M |
| Sales, general & admin | $46.2M | $35.8M | $40.3M | $34.5M | $32.8M | $33.3M | $34.6M | $31.5M | $32.6M | $32.4M | $29.4M | $31.5M |
| Total operating expenses | $53.7M | $50.6M | $56.6M | $52.1M | $50.1M | $56.6M | $51.9M | $47.1M | $48.2M | $49.7M | $45.8M | $46.8M |
| Operating income | $49.1M | $55.4M | $27.6M | $37.8M | $40.4M | $60.0M | $23.1M | $33.8M | $32.1M | $38.7M | $23.5M | $27.1M |
| Interest income | $102.5M | $113.8M | $103.2M | $103.2M | $102.2M | $129.8M | $103.1M | $101.5M | $97.7M | $130.6M | $90.8M | $85.9M |
| Interest expense | $20.8M | $23.3M | $24.4M | $26.3M | $26.0M | $27.1M | $27.7M | $30.2M | $29.2M | $33.7M | $24.0M | $21.0M |
| Income before taxes | $42.5M | $55.4M | $27.6M | $37.8M | $40.4M | $60.0M | $23.1M | $33.8M | $32.1M | $38.7M | $23.5M | $27.1M |
| Income taxes | $9.7M | $12.8M | $4.8M | $8.0M | $8.9M | $12.7M | $4.0M | $7.3M | $6.9M | $8.1M | $3.9M | $5.5M |
| Net income | $32.9M | $42.6M | $22.8M | $29.7M | $31.5M | $47.3M | $19.0M | $26.5M | $25.2M | $30.6M | $19.7M | $21.6M |
| EBITDA | $53.2M | $59.3M | $31.3M | $41.3M | $43.9M | $63.8M | $27.1M | $37.1M | $35.6M | $42.5M | $32.2M | $30.7M |
| EPS (diluted) | $1.68 | $2.04 | $1.16 | $1.51 | $1.58 | $2.42 | $0.98 | $1.37 | $1.30 | $1.58 | $1.01 | $1.10 |
| Gross margin | 79.8% | 76.2% | 70.9% | 76.1% | 76.5% | 72.2% | 64.8% | 69.3% | 70.1% | 57.9% | 66.5% | 74.9% |
| Operating margin | 38.1% | 39.8% | 23.2% | 32.0% | 34.1% | 37.2% | 19.9% | 29.0% | 28.0% | 25.3% | 22.5% | 27.4% |
| Net margin | 25.5% | 30.6% | 19.2% | 25.2% | 26.6% | 29.3% | 16.4% | 22.7% | 22.0% | 20.0% | 18.8% | 21.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in RBCAA's financial statements (latest annual report filed March 6, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
RBCAA financial results
In fiscal year 2025 (ended December 31, 2025), Republic Bancorp reported revenue of $521.3 million, up 4.3% from the year before. It had net income of $131.3 million (up 29.5%), a net profit margin of 25.2%. Diluted earnings per share came to $6.67. Over five years revenue grew at an average rate of 9.2% a year.
See the RBCAA stock overview for the latest quote and news, or the RBCAA chart for price history and technical indicators.
RBCAA income statement FAQ
What is Republic Bancorp's annual revenue?
Republic Bancorp reported total revenue of $521.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 4.3% from $499.8 million the previous year.
Is Republic Bancorp profitable?
Yes. Republic Bancorp reported net income of $131.3 million in fiscal 2025, a net profit margin of 25.2%; its operating margin was 31.8%.
What is Republic Bancorp's gross margin?
Republic Bancorp's gross margin was 74.0% in fiscal 2025: for every $100 of revenue, Republic Bancorp kept $74 after the direct cost of its products and services.
How fast is Republic Bancorp growing?
Revenue grew 9.2% a year on average over the last five fiscal years, from $335.0 million to $521.3 million.
What are Republic Bancorp's earnings per share?
Republic Bancorp earned $6.67 per diluted share in fiscal 2025, compared with $5.23 a year earlier.
When does Republic Bancorp's fiscal year end?
Republic Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 6, 2026.