Republic Bancorp, Inc. (RBCAA) Earnings History
Growth Compounder30 years of earnings data (1996–2025) · Consistent double-digit EPS growth over 5 years
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Republic Bancorp, Inc. (RBCAA) Earnings Overview
As of June 28, 2026, Republic Bancorp, Inc. (RBCAA) reported trailing twelve-month net income of $127M, reflecting +28.0% year-over-year growth. The company earned $6.39 per diluted share over the past four quarters, with a net profit margin of 25.2%.
Looking at the long-term picture, RBCAA's 5-year EPS compound annual growth rate (CAGR) stands at +10.7%, showing solid earnings momentum. The company achieved its highest annual net income of $131M in fiscal 2025, representing a new all-time high.
Republic Bancorp, Inc. maintains industry-leading profitability with a gross margin of 74.0%, operating margin of 31.8%, and net margin of 25.2%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FFIN ($264M net income, 30.7% margin), IBCP ($70M net income, 21.7% margin), SFNC (-$361M net income, -63.4% margin), RBCAA has room to improve margins relative to the peer group. Compare RBCAA vs FFIN →
RBCAA Earnings vs Peers
Earnings metrics vs comparable public companies
RBCAA Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $131M | +29.5% | $166M | $6.63 | 25.2% | 31.8% |
| 2024 | $101M | +12.2% | $128M | $5.18 | 20.3% | 25.6% |
| 2023 | $90M | -0.8% | $113M | $4.55 | 21.4% | 26.9% |
| 2022 | $91M | +4.0% | $117M | $4.57 | 28.8% | 37.0% |
| 2021 | $88M | +5.2% | $111M | $4.26 | 28.3% | 35.9% |
| 2020 | $83M | -9.2% | $103M | $3.99 | 24.8% | 30.6% |
| 2019 | $92M | +17.8% | $113M | $4.39 | 26.7% | 33.0% |
| 2018 | $78M | +70.6% | $94M | $3.74 | 24.7% | 29.9% |
| 2017 | $46M | -0.6% | $78M | $2.17 | 16.7% | 28.7% |
| 2016 | $46M | +30.5% | $69M | $2.19 | 20.2% | 30.3% |
| 2015 | $35M | +22.2% | $53M | $1.68 | 18.9% | 28.5% |
| 2014 | $29M | +13.2% | $44M | $1.38 | 16.8% | 25.8% |
| 2013 | $25M | -78.7% | $40M | $1.22 | 14.4% | 23.0% |
| 2012 | $119M | +26.8% | $184M | $5.69 | 41.3% | 63.7% |
| 2011 | $94M | +45.4% | $144M | $4.49 | 30.4% | 46.6% |
| 2010 | $65M | +53.7% | $98M | $3.10 | 23.2% | 35.2% |
| 2009 | $42M | +25.2% | $66M | $2.02 | 15.3% | 23.9% |
| 2008 | $34M | +35.1% | $52M | $1.62 | 12.7% | 19.6% |
| 2007 | $25M | -12.1% | $38M | $1.20 | 10.5% | 16.1% |
| 2006 | $28M | -19.1% | $43M | $1.29 | 23.2% | 35.0% |
| 2005 | $35M | +7.9% | $46M | $1.48 | 19.8% | 25.8% |
| 2004 | $33M | +15.2% | $39M | $1.30 | 22.1% | 26.8% |
| 2003 | $28M | +37.6% | $44M | $1.35 | 18.8% | 29.2% |
| 2002 | $20M | +21.9% | $32M | $0.99 | 15.7% | 24.3% |
| 2001 | $17M | +30.1% | $26M | $0.83 | 12.3% | 19.3% |
| 2000 | $13M | +5.0% | $19M | $0.63 | 10.1% | 15.1% |
| 1999 | $12M | -10.9% | $19M | $0.58 | 11.5% | 17.3% |
| 1998 | $14M | +12.6% | $21M | $0.68 | 12.8% | 19.8% |
| 1997 | $12M | +349.5% | $19M | $0.67 | 18.6% | 29.1% |
| 1996 | $3M | - | $5M | $0.15 | 4.5% | 7.8% |
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RBCAA — Frequently Asked Questions
Quick answers to the most common questions about buying RBCAA stock.
What is RBCAA earnings per share (EPS)?
RBCAA trailing twelve-month (TTM) diluted EPS is $6.39, reflecting +28.0% year-over-year growth. The 5-year EPS CAGR is +10.7%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Republic Bancorp, Inc.'s net income?
Republic Bancorp, Inc. (RBCAA) trailing twelve-month net income is $127M as of 2025. Earnings grew +28.0% year-over-year. Republic Bancorp, Inc. has been profitable for 30 consecutive years.
Is RBCAA profitable?
Yes, RBCAA is profitable with a TTM net income of $127M and a net profit margin of +25.2%. Republic Bancorp, Inc. has generated profits for 30 consecutive years.
What is RBCAA's earnings growth rate?
RBCAA compound annual EPS growth rates (CAGR): 1-Year: +28.0%, 3-Year: +13.2%, 5-Year: +10.7%, 10-Year: +14.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are RBCAA's profit margins?
Republic Bancorp, Inc. net profit margin is +25.2%, operating margin is +31.8%, and gross margin is +74.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.5%.
Is RBCAA growing earnings?
Yes, RBCAA earnings are accelerating — EPS growth of +28.0% exceeds the 5-year CAGR of +10.7%. TTM net income reached $127M. Earnings momentum is strengthening.
What was RBCAA's best earnings year?
Republic Bancorp, Inc.'s highest annual net income on record is $131M, achieved in fiscal year 2025. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were RBCAA's earnings last quarter?
RBCAA's most recent reported quarter was Q1 2026. Net income was $43M with diluted EPS of $2.15. For a full breakdown of all quarters, see the quarterly earnings table on this page.