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The consolidated financial statements included in this report include the accounts of Republic Bancorp, Inc. and its wholly owned subsidiary, Republic Bank & Trust Company. As used in this report, the terms Republic, the Company, we, our, and us refer to Republic Bancorp, Inc. and, where the context requires, Republic Bancorp, Inc. and its subsidiary.
34.03% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 16.8% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$378M
▲ +16.8% YoY
Net Income (TTM)
$127M
▲ +29.5% YoY
Net Margin
33.47%
P/E
—
Balance Sheet
Total Assets
$7.25B
Equity
$1.13B
Total Debt
$31M
Cash & Equiv.
$599M
5Y CAGR: +6.0%
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