← REPUBLIC BANCORP INC /KY/
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $45.9m | $45.6m | $77.9m | $91.7m | $83.2m | $86.8m | $91.1m | $90.4m | $101.4m | $131.3m | — | |
| Depreciation, Amortization and Accretion, Net | $7.5m | $8.5m | $9.3m | $9.2m | $9.7m | $9.0m | $7.6m | $7.1m | $6.9m | $6.7m | $15.3m | |
| Amortization of Intangible Assets | — | — | — | — | — | — | — | $405k | — | — | — | |
| Share-based Payment Arrangement, Noncash Expense | $1.0m | $1.1m | $1.0m | $1.0m | $953k | $1.5m | $1.8m | $1.3m | $1.3m | $2.1m | $3.9m | |
| Share-based Payment Arrangement, Expense | $1.0m | $1.1m | $1.0m | $1.0m | $859k | $1.4m | $1.6m | $1.3m | $1.2m | $2.1m | $3.9m | |
| Goodwill, Impairment Loss | — | — | — | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $211k | |
| Changes in operating assets and liabilities: | ||||||||||||
| Increase (Decrease) in Other Operating Assets | $7.2m | ($730k) | ($2.8m) | $8.7m | $17.8m | $940k | $3.9m | $24.8m | $13.0m | $10.5m | — | |
| Increase (Decrease) in Other Operating Liabilities | $540k | $2.9m | $7.4m | ($3.1m) | ($10.9m) | ($5.7m) | $3.9m | ($4.5m) | $614k | $15.4m | — | |
| Net Cash Provided by (Used in) Operating Activities | $47.7m |
$77.8m
+63.15%
|
$119.2m
+53.26%
|
$97.2m
-18.42%
|
$68.4m
-29.63%
|
$99.4m
+45.29%
|
$154.8m
+55.67%
|
$108.5m
-29.88%
|
$149.0m
+37.29%
|
$168.2m
+12.89%
|
$144.7m
-13.95%
|
|
| Cash flows from investing activities: | ||||||||||||
| Gain (Loss) on Disposition of Property Plant Equipment | — | — | — | — | $353k | $399k | — | — | — | — | ($26.0m) | |
| Payments to Acquire Property, Plant, and Equipment | $7.0m | $12.4m | $9.0m | $12.9m | $3.6m | $5.8m | $3.5m | $6.9m | $5.8m | $7.1m | ($8.3m) | |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $452.2m | $158.1m | $220.8m | $455.8m | $251.9m | $230.5m | $161.6m | $106.1m | $316.1m | $555.0m | — | |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | — | — | — | — | — | — | — | — | — | $0 | — | |
| Gain (Loss) on Investments | $6.7m | $4.0m | $3.8m | $8.8m | $33.2m | $19.7m | $4.9m | $2.1m | $3.9m | $5.9m | ($4.1m) | |
| Payments to Acquire Businesses, Net of Cash Acquired | $9.1m | — | — | — | — | — | — | $41.0m | — | — | $0 | |
| Net Cash Provided by (Used in) Investing Activities | ($296.1m) | ($287.1m) | ($121.5m) | ($427.3m) | ($415.0m) | $306.6m | ($254.5m) | ($517.0m) | ($181.0m) | ($436.1m) | ($257.8m) | |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common Stock | $1.2m | $1.0m | $827k | $1.4m | $3.9m | $47.5m | $12.6m | $20.3m | — | $72k | — | |
| Dividends paid | $16.8m | $17.7m | $19.5m | $21.4m | $23.2m | $24.7m | $26.1m | $28.4m | $30.5m | $33.9m | ($35.6m) | |
| Payments of Dividends | $16.8m | $17.7m | $19.5m | $21.4m | $23.2m | $24.7m | $26.1m | $28.4m | $30.5m | $33.9m | ($35.6m) | |
| Other Interest and Dividend Income | — | — | — | — | — | — | — | — | — | $24.2m | — | |
| Net Cash Provided by (Used in) Financing Activities | $327.7m |
$219.4m
-33.05%
|
$54.4m
-75.18%
|
$363.9m
+568.29%
|
$446.9m
+22.82%
|
($134.6m)
-130.12%
|
($343.6m)
-155.25%
|
$411.3m
+219.72%
|
$147.6m
-64.11%
|
$55.7m
-62.24%
|
($17.6m)
-131.65%
|
|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | — | — | $52.1m | $33.8m | $100.3m | $271.4m | ($443.3m) | $2.9m | $115.6m | ($212.2m) | $354.1m | |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | — | — | $351.5m | $385.3m | $485.6m | $757.0m | $313.7m | $316.6m | $432.2m | $220.0m | $354.1m | |
| Additional Supplementary Disclosures | ||||||||||||
| Additional Supplementary Disclosures | ||||||||||||
| Provision for Loan, Lease, and Other Losses | $14.5m | $27.7m | $31.4m | $25.8m | $31.3m | $14.8m | $22.3m | $47.6m | $54.4m | $31.6m | $21.3m | |
| Bank Owned Life Insurance Income | $1.5m | $1.6m | $1.5m | $1.6m | $1.6m | $2.2m | $2.5m | $2.7m | $3.2m | $3.6m | — | |
| Proceeds from Stock Options Exercised | $80k | $68k | $83k | — | — | — | — | — | — | — | — | |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating Activities | — | $20.1m | $30.1m | $43.0m | $22.4m | $5.8m | $7.4m | $63.5m | $119.8m | $105.7m | — | |
| Income Taxes Paid, Net | — | $28.8m | $11.1m | $17.4m | $24.9m | $20.1m | $21.6m | $21.5m | $27.5m | $22.1m | — | |
| Additional Financial Items | ||||||||||||
| Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal | — | — | — | $7.8m | — | — | — | — | — | — | — | |
| Equity Securities, FV-NI, Gain (Loss) | — | — | ($122k) | $382k | ($105k) | ($463k) | ($263k) | $63k | $519k | $252k | — | |
| Equity Securities, FV-NI, Realized Gain (Loss) | — | — | — | — | — | — | ($204k) | — | — | — | — | |
| Equity Securities, FV-NI, Unrealized Gain (Loss) | — | — | ($122k) | $382k | ($105k) | ($463k) | ($59k) | $63k | $519k | $252k | — | |
| Gain (Loss) on Sale of Mortgage Loans | $6.7m | $4.0m | $3.8m | $8.8m | $33.2m | $19.7m | $4.9m | $2.1m | $3.9m | $5.9m | — | |
| Goodwill | $16.3m | $16.3m | $16.3m | $16.3m | $16.3m | $16.3m | $16.3m | $40.5m | $40.5m | $40.5m | $211k | |
| Income Tax Expense (Benefit) | $23.1m | $32.8m | $16.4m | $21.5m | $19.4m | $23.6m | $25.7m | $22.8m | $26.3m | $34.4m | — |