Republic Bancorp Inc - Understand $rbcaa stock

$RBCAA Market Cap: $1.326 Billion

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Financial Snapshot

Revenue

$295.3M

TTM

Gross Margin

Net Earnings

$102.0M

TTM

Current Assets

Current Liabilities

$116.2M

Q3 2024

Current Ratio

Total Assets

$6.692B

Q3 2024

Total Liabilities

$5.713B

Q3 2024

Book Value

$979.7M

Q3 2024

Cash

$530.9M

Q3 2024

P/E

13.00

Nov 14, 2024 EST

Free Cash Flow

$91.47M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	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
Revenue	$360.2M	$326.5M	$307.5M	$319.4M	$311.1M	$289.5M					$134.6M	$183.5M	$195.1M	$193.5M
YoY Change	10.33%	6.2%	-3.73%	2.65%	7.48%						-26.65%	-5.97%	0.85%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2013	2012	2011	2010
Revenue	$360.2M	$326.5M	$307.5M	$319.4M	$311.1M	$289.5M	$134.6M	$183.5M	$195.1M	$193.5M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	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
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$29.11M	$28.95M	$28.90M	$29.13M	$25.05M
YoY Change	0.53%	0.19%	-0.78%	16.29%
% of Gross Profit
Depreciation & Amortization	$7.063M	$7.598M	$8.986M	$9.725M	$9.230M	$9.347M	$8.500M	$7.500M	$6.700M	$6.400M	$5.311M	$5.372M	$5.738M	$5.877M	$10.50M	$7.500M	$2.100M	$4.100M	$4.100M	$8.000M	$6.100M	$4.300M	$3.700M	$4.100M	$3.600M	$3.300M	$4.700M	$3.200M	$2.400M
YoY Change	-7.04%	-15.45%	-7.6%	5.36%	-1.25%	9.96%	13.33%	11.94%	4.69%	20.5%	-1.14%	-6.38%	-2.37%	-44.03%	40.0%	257.14%	-48.78%	0.0%	-48.75%	31.15%	41.86%	16.22%	-9.76%	13.89%	9.09%	-29.79%	46.88%	33.33%
% of Gross Profit
Operating Expenses	$29.11M	$28.95M	$28.90M	$29.13M	$25.05M
YoY Change	0.53%	0.19%	-0.78%	16.29%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2013	2012	2011	2010
Interest Expense	$67.29M	$7.493M	$5.666M	$19.94M	$44.76M	$30.12M	$21.39M	$22.80M	$30.26M	$36.66M
YoY Change	797.97%	32.24%	-71.59%	-55.44%	48.58%		-6.19%	-24.63%	-17.47%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	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
Pretax Income	$113.2M	$116.8M	$110.3M	$102.6M	$113.2M	$94.26M	$78.40M	$69.00M	$53.20M	$44.30M	$40.50M	$183.9M	$144.2M	$98.43M	$66.00M	$51.90M	$38.20M	$42.80M	$45.60M	$39.50M	$43.80M	$31.70M	$25.40M	$19.30M	$18.50M	$21.40M	$19.10M	$4.700M	$12.20M
YoY Change	-3.11%	5.89%	7.51%	-9.33%	20.08%	20.23%	13.62%	29.7%	20.09%	9.39%	-77.98%	27.57%	46.49%	49.14%	27.17%	35.86%	-10.75%	-6.14%	15.44%	-9.82%	38.17%	24.8%	31.61%	4.32%	-13.55%	12.04%	306.38%	-61.48%
Income Tax	$22.84M	$25.74M	$23.55M	$19.39M	$21.49M	$16.41M	$26.40M	$23.10M	$18.10M	$15.50M	$15.08M	$64.61M	$50.05M	$33.68M	$23.90M	$18.20M	$13.30M	$14.70M	$15.50M	$13.50M	$15.60M	$11.20M	$8.600M	$6.300M	$6.200M	$7.600M	$6.900M	$1.900M	$4.400M
% Of Pretax Income	20.17%	22.03%	21.34%	18.89%	18.99%	17.41%	33.67%	33.48%	34.02%	34.99%	37.22%	35.12%	34.71%	34.22%	36.21%	35.07%	34.82%	34.35%	33.99%	34.18%	35.62%	35.33%	33.86%	32.64%	33.51%	35.51%	36.13%	40.43%	36.07%
Net Earnings	$90.37M	$91.11M	$86.79M	$83.25M	$91.70M	$77.85M	$45.60M	$45.90M	$35.20M	$28.80M	$25.42M	$119.3M	$94.15M	$64.75M	$42.10M	$33.70M	$24.90M	$28.40M	$35.10M	$32.50M	$28.20M	$20.50M	$16.80M	$12.90M	$12.30M	$13.80M	$12.30M	$2.700M	$7.800M
YoY Change	-0.8%	4.97%	4.26%	-9.22%	17.79%	70.73%	-0.65%	30.4%	22.22%	13.28%	-78.7%	26.76%	45.4%	53.81%	24.93%	35.34%	-12.32%	-19.09%	8.0%	15.25%	37.56%	22.02%	30.23%	4.88%	-10.87%	12.2%	355.56%	-65.38%
Net Earnings / Revenue	25.09%	27.9%	28.23%	26.07%	29.47%	26.89%					18.89%	65.05%	48.25%	33.47%
Basic Earnings Per Share
Diluted Earnings Per Share	$4.55	$4.53	$4.667M	$3.943M	$4.346M	$3.692M	$2.171M	$2.186M	$1.684M	$1.378M	$1.215M	$5.681M	$4.481M	$3.086M	$2.014M	$1.620M	$1.197M	$1.346M	$1.625M	$1.505M	$1.343M	$985.6K	$807.7K	$605.6K	$564.2K	$666.7K	$634.0K	$151.7K	$440.7K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	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
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$68.10M	$69.00M	$74.90M	$82.90M	$80.60M	$43.10M	$42.60M	$42.90M	$29.90M	$33.00M	$32.90M	$33.20M	$34.70M	$37.80M	$39.40M	$42.90M	$39.70M	$36.60M	$31.80M	$33.80M	$34.30M	$23.20M	$19.60M	$19.60M	$19.00M	$15.90M	$12.80M	$17.50M	$12.00M
YoY Change	-1.29%	-7.88%	-9.65%	2.85%	87.01%	1.17%	-0.7%	43.48%	-9.39%	0.3%	-0.9%	-4.32%	-8.2%	-4.06%	-8.16%	8.06%	8.47%	15.09%	-5.92%	-1.46%	47.84%	18.37%	0.0%	3.16%	19.5%	24.22%	-26.86%	45.83%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets					$800.0K	$1.700M	$3.000M		$1.200M	$1.300M
YoY Change					-52.94%	-43.33%			-7.69%
Total Long-Term Assets
YoY Change
Total Assets	$6.595B	$5.836B	$6.094B	$6.168B	$5.620B	$5.240B	$5.085B	$4.816B	$4.230B	$3.747B	$3.372B	$3.394B	$3.420B	$3.623B	$3.919B	$3.939B	$3.165B	$3.047B	$2.736B	$2.499B	$2.128B	$1.753B	$1.591B	$1.508B	$1.369B	$1.208B	$1.055B	$1.141B	$891.3M
YoY Change
Accounts Payable																									$3.900M	$3.800M	$6.200M	$5.600M	$4.300M
YoY Change																									2.63%	-38.71%	10.71%	30.23%
Accrued Expenses	$35.54M	$37.81M	$39.70M	$44.30M	$36.50M
YoY Change	-6.0%	-4.76%	-10.38%	21.37%
Deferred Revenue
YoY Change
Short-Term Debt	$97.62M	$217.0M	$291.0M	$211.0M	$167.6M	$183.0M	$204.0M	$173.5M	$395.4M	$356.1M	$165.6M	$250.9M	$230.2M	$319.2M	$299.6M	$339.0M	$398.3M	$401.9M	$292.3M	$364.8M	$220.3M	$224.9M	$282.0M	$263.0M	$215.7M	$148.7M	$111.1M	$181.6M	$21.70M
YoY Change	-55.01%	-25.44%	37.91%	25.89%	-8.42%	-10.29%	17.58%	-56.12%	11.04%	115.04%	-34.0%	8.99%	-27.88%	6.54%	-11.62%	-14.89%	-0.9%	37.5%	-19.87%	65.59%	-2.05%	-20.25%	7.22%	21.93%	45.06%	33.84%	-38.82%	736.87%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$133.2M	$37.81M	$39.70M	$44.30M	$36.50M	$183.0M	$204.0M	$173.5M	$395.4M	$356.1M	$165.6M	$250.9M	$230.2M	$319.2M	$299.6M	$339.0M	$398.3M	$401.9M	$292.3M	$364.8M	$220.3M	$224.9M	$282.0M	$263.0M	$3.900M	$3.800M	$6.200M	$5.600M	$4.300M
YoY Change	252.18%	-4.76%	-10.38%	21.37%	-80.05%	-10.29%	17.58%	-56.12%	11.04%	115.04%	-34.0%	8.99%	-27.88%	6.54%	-11.62%	-14.89%	-0.9%	37.5%	-19.87%	65.59%	-2.05%	-20.25%	7.22%	6643.59%	2.63%	-38.71%	10.71%	30.23%
Long-Term Debt	$0.00	$0.00	$0.00	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$41.20M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$1.600M	$2.000M
YoY Change			-100.0%	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%									-100.0%	-20.0%
Other Long-Term Liabilities	$115.8M	$47.71M	$63.30M	$80.20M	$74.70M	$60.10M	$37.00M	$34.00M	$30.10M	$25.30M	$26.50M	$40.00M	$27.50M	$23.30M	$21.80M	$24.60M	$29.60M	$27.00M	$24.80M	$23.70M	$21.10M	$17.50M	$20.40M	$18.30M	$13.30M	$14.00M	$13.20M	$4.500M	$4.300M
YoY Change	142.74%	-24.63%	-21.07%	7.36%	24.29%	62.43%	8.82%	12.96%	18.97%	-4.53%	-33.75%	45.45%	18.03%	6.88%	-11.38%	-16.89%	9.63%	8.87%	4.64%	12.32%	20.57%	-14.22%	11.48%	37.59%	-5.0%	6.06%	193.33%	4.65%
Total Long-Term Liabilities	$115.8M	$47.71M	$63.30M	$121.4M	$115.9M	$101.3M	$78.20M	$75.20M	$71.30M	$66.50M	$67.70M	$81.20M	$68.70M	$64.50M	$63.00M	$65.80M	$70.80M	$68.20M	$66.00M	$23.70M	$21.10M	$17.50M	$20.40M	$18.30M	$13.30M	$14.00M	$13.20M	$6.100M	$6.300M
YoY Change	142.74%	-24.63%	-47.86%	4.75%	14.41%	29.54%	3.99%	5.47%	7.22%	-1.77%	-16.63%	18.2%	6.51%	2.38%	-4.26%	-7.06%	3.81%	3.33%	178.48%	12.32%	20.57%	-14.22%	11.48%	37.59%	-5.0%	6.06%	116.39%	-3.17%
Total Liabilities	$5.682B	$4.979B	$5.259B	$5.345B	$4.856B	$4.551B	$4.453B	$4.212B	$3.654B	$3.188B	$2.829B	$2.858B	$2.968B	$3.251B	$3.603B	$3.663B	$2.917B	$2.809B	$2.522B	$2.303B	$1.959B	$1.602B	$1.466B	$1.391B	$1.265B	$1.104B	$986.6M	$1.082B	$832.8M
YoY Change	14.12%	-5.33%	-1.6%	10.07%	6.72%	2.19%	5.72%	15.28%	14.6%	12.7%	-1.0%	-3.7%	-8.73%	-9.75%	-1.66%	25.61%	3.81%	11.4%	9.51%	17.57%	22.27%	9.29%	5.36%	9.95%	14.62%	11.88%	-8.81%	29.91%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2013	2012	2011	2010
Basic Shares Outstanding							20.81M shares	20.96M shares	20.95M shares	20.88M shares
Diluted Shares Outstanding	19.85M	20.10M	20.76M	21.07M	21.14M	21.07M	20.90M shares	21.03M shares	20.99M shares	20.96M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $1.3257 Billion

About Republic Bancorp Inc

Republic Bancorp, Inc.is a financial holding company. The company is headquartered in Louisville, Kentucky and currently employs 1,010 full-time employees. The Bank provides both traditional and non-traditional banking products. Its segments include Traditional Banking, Warehouse, Mortgage Banking, Tax Refund Solutions (TRS), Republic Payment Solutions (RPS), and Republic Credit Solutions (RCS). Its Traditional Banking products and services are offered through the Company's traditional RB&T brand. The Warehouse segment provides short-term, revolving credit facilities to mortgage bankers across the United States. Mortgage Banking activities primarily include fixed-term single-family, first-lien residential real estate loans. Through the TRS segment, the Bank facilitates the receipt and payment of federal and state tax refund products and offers a credit product through third-party tax preparers. The RPS segment offers a range of payments-related products and services to consumers.

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