Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | $289M | $311M | $319M | $309M | $327M | $360M | $385M | $417M |
| Revenue growth | — | — | — | 7.5% | 2.6% | -3.1% | 5.6% | 10.3% | 6.8% | 8.5% |
| Net income | $45.9M | $45.6M | $77.9M | $91.7M | $83.2M | $87.6M | $91.1M | $90.4M | $101M | $131M |
| Net margin | — | — | 26.9% | 29.5% | 26.1% | 28.3% | 27.9% | 25.1% | 26.3% | 31.5% |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $47.7M | $77.8M | $119M | $105M | $75.4M | $100M | $155M | $109M | $149M | $168M |
| Capital expenditures | $7.03M | $12.4M | $9.82M | $12.9M | $3.58M | $5.79M | $3.50M | $6.90M | $5.81M | $7.10M |
| Free cash flow | $40.6M | $65.4M | $109M | $92.3M | $71.8M | $94.5M | $151M | $102M | $143M | $161M |
| Share buybacks | $1.21M | $1.05M | $827K | $1.42M | $3.94M | $47.5M | $12.6M | $20.3M | — | $72.0K |
| Dividends paid | $16.8M | $17.7M | $19.5M | $21.4M | $23.2M | $24.7M | $26.1M | $28.4M | $30.5M | $33.9M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $289M | $299M | $351M | $385M | $486M | $757M | $314M | $317M | $432M | $220M |
| Total assets | $4.82B | $5.09B | $5.24B | $5.62B | $6.17B | $6.17B | $5.84B | $6.59B | $6.85B | $7.04B |
| Total liabilities | $4.21B | $4.45B | $4.55B | $4.86B | $5.35B | $5.34B | $4.98B | $5.68B | $5.85B | $5.94B |
| Shareholders' equity | $604M | $632M | $690M | $764M | $823M | $835M | $857M | $913M | $992M | $1.10B |
| Retained earnings | $461M | $488M | $545M | $614M | $666M | $689M | $742M | $786M | $854M | $945M |
| Shares (wtd avg diluted) | 21.0M | 21.0M | 21.1M | 21.1M | 21.1M | 20.8M | 20.1M | 19.9M | 19.7M | 19.8M |
Every figure is extracted from REPUBLIC BANCORP INC /KY/’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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