Republic Bancorp, Inc. KY (OQ:RBCAA)

Business Focus: Banks

Sector:  Financials Industry:  Banks
See Regulatory Filings on SEC
Company Contact
Address: 601 W Market St
LOUISVILLE KY 40202-2745
Tel: 1-502-5608628
IR: See website
Key People
Steven E. Trager
Chairman of the Board, Chief Executive Officer
John T. Rippy
Executive Vice President of Republic Bank and Trust
A. Scott Trager
President, Vice Chairman of the Board
Kevin D. Sipes
Chief Financial Officer, Executive Vice President, Chief Accounting Officer
William R. Nelson
President - Republic Processing Group
Logan M. Pichel
President of Republic Bank & Trust
Andrew Trager-Kusman
Senior Vice President, Director
Steven E. DeWeese
Executive Vice President of Republic Bank and Trust
Juan M. Montano
Executive Vice President of Republic Bank and Trust
Anthony T. Powell
Executive Vice President of Republic Bank and Trust
Business Overview
Republic Bancorp, Inc. is a financial holding company of Republic Bank & Trust Company (the Bank) and Republic Insurance Services, Inc. (the Captive). The Bank is a Kentucky-based, state chartered non-member financial institution. The Captive is an insurance subsidiary of the Company. The Company operates through four segments: Traditional Banking, which provides traditional banking products to customers; Warehouse Lending (Warehouse), which provides short-term, revolving credit facilities to mortgage bankers across the United States through mortgage warehouse lines of credit; Mortgage Banking, which originates, sells and services long-term, single family, first lien residential real estate loans, and Republic Processing Group (RPG), which facilitates the receipt and payment of federal and state tax refund products. Republic Bancorp Capital Trust is a subsidiary of Republic Bancorp, Inc.
Financial Overview
For the nine months ended 30 September 2020,Republic Bancorp, Inc. KY interest income decreased 10% to$194.3M. Net interest income after loan loss provisiondecreased 7% to $146.4M. Net income decreased 5% to$62.9M. Net interest income after loan loss provisionreflects Net Interest Margin, Total -% decrease of 5% to4.26%, Net Interest Spread, Total -% decrease of 1% to4.02%.
Employees: 1,068 as of Dec 31, 2019
Reporting Currency: U.S. Dollars
Enterprise value: $584.41M as of Sep 30, 2020
Annual revenue (TTM): $258.82M as of Sep 30, 2020
EBITDA (TTM): $143.86M as of Sep 30, 2020
Net annual income (TTM): $88.66M as of Sep 30, 2020
Free cash flow (TTM): $70.12M as of Sep 30, 2020
Net Debt Last Fiscal Year: N/A
Shares outstanding: 20,915,672 as of Oct 31, 2020
TTM: Trailing Twelve Months
EBITDA: Earnings Before Interest, Taxes, Depreciation, & Amortization

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