Republic Bancorp Inc /Ky/ (NASDAQ:RBCAA)
Insiders here have filed 18 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $512.5M
- Net income
- $129.3M
- Net margin
- 25.2%
Little or no net debt.
- Total debt
- $225.2M
- Cash
- $399.3M
- Net debt / EBITDA
- -0.95x
Owes more within a year than it holds to pay it.
- Current assets
- $1.35B
- Current liabilities
- $5.66B
- Current ratio
- 0.24
The business funds itself from operations.
- Operating cash flow
- $107.4M
- Free cash flow
- $101.5M
- FCF margin
- 19.8%
Not funding itself by issuing shares.
- Shares outstanding
- 19.8M
- Share growth (1y)
- 0.6%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
RBCAA Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 125.95 M | 128.75 M | 139.11 M | 118.69 M | 118.17 M | 118.36 M |
| Revenue Growth (YoY) | 6.59 % | 8.78 % | -13.78 % | 2.65 % | 1.15 % | 3.25 % |
| Cost of Revenue | 32.53 M | 25.99 M | 33.12 M | 34.50 M | 28.29 M | 27.82 M |
| Gross Profit | 93.42 M | 102.76 M | 106.00 M | 84.19 M | 89.88 M | 90.53 M |
| SG&A Expense | 34.82 M | 46.19 M | 35.76 M | 40.26 M | 34.46 M | 32.77 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 53.79 M | 53.67 M | 50.61 M | 56.59 M | 52.11 M | 50.15 M |
| Operating Income | 39.63 M | 49.09 M | 55.38 M | 27.59 M | 37.76 M | 40.39 M |
| Pretax Income | 39.63 M | 42.55 M | 55.38 M | 27.59 M | 37.76 M | 40.39 M |
| Tax Provision | 8.56 M | 9.68 M | 12.82 M | 4.77 M | 8.02 M | 8.91 M |
| Net Income | 31.07 M | 32.87 M | 42.57 M | 22.82 M | 29.74 M | 31.48 M |
| EPS (Basic) | 1.57 | 1.66 | 2.15 | 1.16 | 1.53 | 1.62 |
| EPS (Diluted) | 1.56 | 1.65 | 2.15 | 1.15 | 1.52 | 1.59 |
| Shares Outstanding | 19.84 M | 19.80 M | 19.80 M | 19.74 M | 19.73 M | 19.72 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.