Republic Bancorp Inc (RBCAA) - Net Assets
Based on the latest financial reports, Republic Bancorp Inc (RBCAA) has net assets worth $1.13 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($7.25 Billion) and total liabilities ($6.12 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check tangible equity quality of Republic Bancorp Inc to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.13 Billion |
| % of Total Assets | 15.63% |
| Annual Growth Rate | 10.86% |
| 5-Year Change | 32.0% |
| 10-Year Change | 82.38% |
| Growth Volatility | 10.9 |
Republic Bancorp Inc - Net Assets Trend (1993–2025)
This chart illustrates how Republic Bancorp Inc's net assets have evolved over time, based on quarterly financial data. See RBCAA defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Republic Bancorp Inc (1993–2025)
The table below shows the annual net assets of Republic Bancorp Inc from 1993 to 2025. For live valuation and market cap data, see Republic Bancorp Inc market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.10 Billion | +11.11% |
| 2024-12-31 | $992.03 Million | +8.69% |
| 2023-12-31 | $912.76 Million | +6.55% |
| 2022-12-31 | $856.61 Million | +2.58% |
| 2021-12-31 | $835.05 Million | +1.42% |
| 2020-12-31 | $823.32 Million | +7.73% |
| 2019-12-31 | $764.24 Million | +10.77% |
| 2018-12-31 | $689.93 Million | +9.09% |
| 2017-12-31 | $632.42 Million | +4.64% |
| 2016-12-31 | $604.41 Million | +4.83% |
| 2015-12-31 | $576.55 Million | +3.19% |
| 2014-12-31 | $558.73 Million | +2.94% |
| 2013-12-31 | $542.79 Million | +1.13% |
| 2012-12-31 | $536.70 Million | +18.64% |
| 2011-12-31 | $452.37 Million | +21.81% |
| 2010-12-31 | $371.38 Million | +17.52% |
| 2009-12-31 | $316.02 Million | +14.53% |
| 2008-12-31 | $275.92 Million | +10.87% |
| 2007-12-31 | $248.86 Million | +4.85% |
| 2006-12-31 | $237.35 Million | +11.13% |
| 2005-12-31 | $213.57 Million | +8.93% |
| 2004-12-31 | $196.07 Million | +15.76% |
| 2003-12-31 | $169.38 Million | +12.32% |
| 2002-12-31 | $150.80 Million | +15.14% |
| 2001-12-31 | $130.97 Million | +6.22% |
| 2000-12-31 | $123.29 Million | +11.88% |
| 1999-12-31 | $110.20 Million | 0.00% |
| 1998-12-31 | $110.20 Million | +61.14% |
| 1997-12-31 | $68.39 Million | +15.87% |
| 1996-12-31 | $59.02 Million | +0.88% |
| 1995-12-31 | $58.50 Million | +24.35% |
| 1994-12-31 | $47.05 Million | +15.68% |
| 1993-12-31 | $40.67 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Republic Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 94539900000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $945.40 Million | 85.77% |
| Common Stock | $4.60 Million | 0.42% |
| Other Comprehensive Income | $-4.40 Million | -0.40% |
| Other Components | $156.69 Million | 14.22% |
| Total Equity | $1.10 Billion | 100.00% |
Republic Bancorp Inc Competitors by Market Cap
The table below lists competitors of Republic Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Sakura Development Co Ltd
TW:2539
|
$1.48 Billion |
|
Guanglian Aviation Industry Co Ltd
SHE:300900
|
$1.48 Billion |
|
Peker Gayrimenkul Yatirim Ortakligi AS
IS:PEKGY
|
$1.48 Billion |
|
Tong Hsing Electronic Industries Ltd
TW:6271
|
$1.48 Billion |
|
Shanghai Zijiang Enterprise Group Co Ltd
SHG:600210
|
$1.48 Billion |
|
QCR Holdings Inc
NASDAQ:QCRH
|
$1.48 Billion |
|
Jiangsu Bide Science and Technology Co. Ltd.
SHG:605298
|
$1.48 Billion |
|
Accelerant Holdings
NYSE:ARX
|
$1.48 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Republic Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 992,029,000 to 1,102,293,000, a change of 110,264,000 (11.1%).
- Net income of 131,317,000 contributed positively to equity growth.
- Dividend payments of 33,852,000 reduced retained earnings.
- Share repurchases of 72,000 reduced equity.
- Other comprehensive income increased equity by 9,836,001.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $131.32 Million | +11.91% |
| Dividends Paid | $33.85 Million | -3.07% |
| Share Repurchases | $72.00K | -0.01% |
| Other Comprehensive Income | $9.84 Million | +0.89% |
| Other Changes | $3.03 Million | +0.28% |
| Total Change | $- | 11.11% |
Book Value vs Market Value Analysis
This analysis compares Republic Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.52x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 37.84x to 1.52x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1993-12-31 | $2.24 | $84.69 | x |
| 1994-12-31 | $2.59 | $84.69 | x |
| 1995-12-31 | $3.22 | $84.69 | x |
| 1996-12-31 | $3.18 | $84.69 | x |
| 1997-12-31 | $3.76 | $84.69 | x |
| 1998-12-31 | $5.14 | $84.69 | x |
| 1999-12-31 | $4.93 | $84.69 | x |
| 2000-12-31 | $5.66 | $84.69 | x |
| 2001-12-31 | $6.19 | $84.69 | x |
| 2002-12-31 | $7.27 | $84.69 | x |
| 2003-12-31 | $8.10 | $84.69 | x |
| 2004-12-31 | $7.87 | $84.69 | x |
| 2005-12-31 | $9.01 | $84.69 | x |
| 2006-12-31 | $10.76 | $84.69 | x |
| 2007-12-31 | $11.99 | $84.69 | x |
| 2008-12-31 | $13.25 | $84.69 | x |
| 2009-12-31 | $15.13 | $84.69 | x |
| 2010-12-31 | $17.72 | $84.69 | x |
| 2011-12-31 | $21.55 | $84.69 | x |
| 2012-12-31 | $25.52 | $84.69 | x |
| 2013-12-31 | $25.97 | $84.69 | x |
| 2014-12-31 | $26.73 | $84.69 | x |
| 2015-12-31 | $27.53 | $84.69 | x |
| 2016-12-31 | $28.84 | $84.69 | x |
| 2017-12-31 | $30.11 | $84.69 | x |
| 2018-12-31 | $32.75 | $84.69 | x |
| 2019-12-31 | $36.51 | $84.69 | x |
| 2020-12-31 | $39.45 | $84.69 | x |
| 2021-12-31 | $40.58 | $84.69 | x |
| 2022-12-31 | $43.04 | $84.69 | x |
| 2023-12-31 | $45.98 | $84.69 | x |
| 2024-12-31 | $50.77 | $84.69 | x |
| 2025-12-31 | $55.65 | $84.69 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Republic Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.91%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 25.19%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 6.39x
- Recent ROE (11.91%) is below the historical average (12.17%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1993 | 14.42% | 68.62% | 0.01x | 15.90x | $1.80 Million |
| 1994 | 13.12% | 81.90% | 0.01x | 15.64x | $1.47 Million |
| 1995 | 13.31% | 66.07% | 0.01x | 15.24x | $1.94 Million |
| 1996 | 4.62% | 4.54% | 0.05x | 19.33x | $-3.17 Million |
| 1997 | 17.93% | 18.62% | 0.06x | 15.43x | $5.42 Million |
| 1998 | 13.29% | 12.75% | 0.09x | 11.63x | $3.42 Million |
| 1999 | 11.85% | 11.47% | 0.08x | 13.19x | $1.92 Million |
| 2000 | 11.05% | 10.13% | 0.08x | 12.90x | $1.23 Million |
| 2001 | 13.43% | 12.26% | 0.09x | 12.71x | $4.30 Million |
| 2002 | 13.59% | 15.69% | 0.07x | 11.62x | $5.41 Million |
| 2003 | 16.65% | 18.80% | 0.07x | 12.56x | $11.27 Million |
| 2004 | 16.58% | 22.10% | 0.06x | 12.75x | $12.89 Million |
| 2005 | 16.42% | 19.82% | 0.06x | 12.81x | $13.71 Million |
| 2006 | 11.94% | 23.19% | 0.04x | 12.84x | $4.62 Million |
| 2007 | 10.01% | 10.52% | 0.07x | 12.72x | $27.00K |
| 2008 | 12.20% | 12.73% | 0.07x | 14.28x | $6.06 Million |
| 2009 | 13.33% | 15.26% | 0.07x | 12.40x | $10.53 Million |
| 2010 | 17.44% | 23.18% | 0.08x | 9.75x | $27.62 Million |
| 2011 | 20.81% | 30.41% | 0.09x | 7.56x | $48.91 Million |
| 2012 | 22.24% | 41.32% | 0.09x | 6.32x | $65.67 Million |
| 2013 | 4.68% | 14.41% | 0.05x | 6.21x | $-28.86 Million |
| 2014 | 5.15% | 16.79% | 0.05x | 6.71x | $-27.09 Million |
| 2015 | 6.10% | 18.85% | 0.04x | 7.34x | $-22.49 Million |
| 2016 | 7.59% | 20.19% | 0.05x | 7.97x | $-14.54 Million |
| 2017 | 7.22% | 16.70% | 0.05x | 8.04x | $-17.61 Million |
| 2018 | 11.28% | 24.71% | 0.06x | 7.60x | $8.86 Million |
| 2019 | 12.00% | 26.72% | 0.06x | 7.35x | $15.27 Million |
| 2020 | 10.11% | 24.85% | 0.05x | 7.49x | $913.70K |
| 2021 | 10.50% | 28.26% | 0.05x | 7.30x | $4.19 Million |
| 2022 | 10.64% | 28.81% | 0.05x | 6.81x | $5.44 Million |
| 2023 | 9.90% | 21.44% | 0.06x | 7.23x | $-901.60K |
| 2024 | 10.22% | 20.28% | 0.07x | 6.90x | $2.17 Million |
| 2025 | 11.91% | 25.19% | 0.07x | 6.39x | $21.09 Million |
Industry Comparison
This section compares Republic Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Republic Bancorp Inc (RBCAA) | $1.13 Billion | 14.42% | 5.40x | $1.48 Billion |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About Republic Bancorp Inc
Republic Bancorp, Inc. operates as a bank holding company for Republic Bank & Trust Company that provides various banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. The company offers retail mortgage, commercial and industrial, CRE and multi-famil… Read more