Republic Bancorp

Republic Bancorp, Inc. is a financial holding company of Republic Bank & Trust Company (the Bank) and Republic Insurance Services, Inc. (the Captive). Republic Bank provides traditional commercial banking products and services to small- and medium-sized businesses. Products and services offered include commercial and small business loans, other types of installment loans and commercial products and deposit services. Lending activity at Republic Bank is focused on real estate-secured lending to small- and medium-sized businesses. In addition, emphasis is placed on loans that are government guaranteed or insured, such as Small Business Administration loans and United States Department of Agriculture loans. Commercial loans are typically secured by the customer's assets and by personal guarantees.

Company Growth (employees)
Type
Public
HQ
Louisville, US
Founded
1982
Size (employees)
922 (est)
Republic Bancorp was founded in 1982 and is headquartered in Louisville, US

Republic Bancorp Office Locations

Republic Bancorp has an office in Louisville
Louisville, US (HQ)
601 W Market St

Republic Bancorp Data and Metrics

Republic Bancorp Financial Metrics

Republic Bancorp's revenue was reported to be $85.8 m in Q1, 2017
USD

Revenue (Q1, 2017)

85.8 m

Gross profit (Q1, 2017)

81.4 m

Gross profit margin (Q1, 2017), %

95%

Net income (Q1, 2017)

20 m

EBIT (Q1, 2017)

56.4 m

Market capitalization (18-Aug-2017)

790.7 m

Cash (31-Mar-2017)

206.2 m
Republic Bancorp's current market capitalization is $790.7 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

134.6 m132.4 m142.4 m231.5 m

Revenue growth, %

(2%)8%63%

Cost of goods sold

18.5 m17.9 m

Gross profit

124 m213.6 m

Gross profit Margin, %

87%92%

EBIT

40.5 m44.3 m53.2 m156.1 m

EBIT margin, %

30%33%37%67%

Pre tax profit

53.2 m69 m

Net Income

25.4 m28.8 m35.2 m45.9 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

45.2 m43.9 m68.9 m50.9 m55.2 m85.8 m

Cost of goods sold

4.7 m4.7 m4.6 m4.6 m4.5 m4.4 m

Gross profit

40.5 m39.2 m64.4 m46.4 m50.7 m81.4 m

Gross profit Margin, %

90%89%93%91%92%95%

Sales and marketing expense

14.3 m15.3 m17.1 m17.8 m18.1 m21.2 m

R&D expense

1.1 m959 k1.3 m1.5 m1.7 m1.7 m

Operating expense total

15.4 m16.3 m18.4 m19.4 m19.7 m22.9 m

EBIT

31.1 m31.4 m39.4 m35.6 m39.4 m56.4 m

EBIT margin, %

69%72%57%70%71%66%

Pre tax profit

12.5 m8.8 m26.6 m12.7 m14.7 m30.1 m

Income tax expense

4.2 m3.1 m8.9 m4.4 m4.8 m10.1 m

Net Income

18.3 m23.6 m13.8 m22.1 m27.7 m17.7 m26.1 m35.9 m20 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

170.9 m72.9 m210.1 m289.3 m

Inventories

3.8 b

PP&E

32.9 m33 m29.9 m42.9 m

Goodwill

10.2 m10.2 m10.2 m16.3 m

Total Assets

3.4 b3.7 b4.2 b4.8 b

Accounts Payable

3.2 b

Total Debt

802.5 m

Total Liabilities

4.2 b

Additional Paid-in Capital

133 m134.9 m136.9 m138.2 m

Retained Earnings

401.8 m414.6 m432.7 m460.6 m

Total Equity

542.8 m558.7 m576.5 m604.4 m

Debt to Equity Ratio

1.3 x

Debt to Assets Ratio

0.2 x

Financial Leverage

6.2 x6.7 x7.3 x8 x
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

84.3 m69.7 m136.3 m92.8 m90.7 m198.2 m143 m302.2 m206.2 m

Inventories

2.7 b2.9 b3.2 b3.3 b3.3 b3.4 b3.7 b3.8 b3.7 b

PP&E

32.5 m32.4 m31.8 m31.1 m29.9 m29.1 m43 m43.4 m44 m

Goodwill

10.2 m10.2 m10.2 m10.2 m10.2 m10.2 m16.3 m16.3 m16.3 m

Total Assets

3.5 b3.6 b4 b4.1 b4 b4.2 b4.6 b4.8 b4.7 b

Accounts Payable

2 b2.1 b2.4 b2.3 b2.4 b2.7 b2.9 b3.1 b3.3 b

Additional Paid-in Capital

133.3 m134.1 m135.2 m135.2 m135.5 m137.2 m137.3 m137.7 m138.6 m

Retained Earnings

412.3 m413.5 m424.5 m428.5 m429.9 m446.3 m449.5 m455 m475.9 m

Total Equity

555.3 m557.4 m569.5 m573 m574.7 m591.6 m595 m600.6 m620.7 m

Financial Leverage

6.2 x6.5 x6.9 x7.1 x7 x7.2 x7.8 x8 x7.5 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

25.4 m28.8 m35.2 m45.9 m

Accounts Receivable

973 k(535 k)(426 k)(659 k)

Accounts Payable

56 k(197 k)(33 k)(298 k)

Cash From Operating Activities

25.4 m26.7 m50 m47.7 m

Purchases of PP&E

(194.5 m)(876.9 m)(1.5 b)(419.3 m)

Cash From Investing Activities

40.4 m(470.9 m)(358.2 m)(296.1 m)

Dividends Paid

(14 m)(14.9 m)(15.8 m)(16.8 m)

Cash From Financing Activities

(32.7 m)346.2 m445.4 m327.7 m

Interest Paid

21.3 m19.8 m18.5 m18.2 m

Income Taxes Paid

31.9 m18.8 m17.9 m26.1 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

18.3 m23.6 m13.8 m22.1 m27.7 m17.7 m26.1 m35.9 m20 m

Accounts Receivable

189 k(283 k)(78 k)(131 k)(228 k)(180 k)(174 k)(83 k)209 k

Accounts Payable

(198 k)(310 k)9 k(55 k)(95 k)54 k12 k(219 k)(90 k)

Cash From Operating Activities

18.9 m26.8 m16.7 m18.8 m35.3 m25.8 m17.4 m38.4 m45.9 m

Purchases of PP&E

(109.5 m)(119.4 m)(767.3 m)(889.3 m)(994.3 m)(370.1 m)(390.1 m)(400.1 m)(54.4 m)

Cash From Investing Activities

(179 m)(353.3 m)(136.9 m)(295.2 m)(272.6 m)(25.3 m)(257.9 m)(292.5 m)51.8 m

Dividends Paid

(7.3 m)(11.1 m)(3.8 m)(7.7 m)(11.8 m)(4.1 m)(8.2 m)(12.5 m)(4.3 m)

Cash From Financing Activities

73.5 m225.3 m183.7 m296.2 m255.2 m(12.4 m)173.4 m346.2 m(180.8 m)

Interest Paid

10.2 m15.1 m4.7 m9.5 m14.2 m4.5 m9.1 m13.9 m4.5 m

Income Taxes Paid

7.3 m13.7 m585 k6.1 m12.2 m156 k12.8 m19 m331 k
USDY, 2017

Revenue/Employee

101.4 k

Financial Leverage

7.5 x

Republic Bancorp Market Value History

Traffic Overview of Republic Bancorp

Republic Bancorp Online and Social Media Presence

Republic Bancorp Company Life and Culture

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