- Republic Bancorp reported strong **Q3 2025 earnings**, with **earnings per share (EPS) of $1.52** and **revenue of $93.54 million**, both surpassing analyst estimates.  **[921557_ada6d893ff0b4da6bc19a763d294346b]** 
- The company achieved a **net interest margin (NIM) expansion of 16 basis points** year-over-year, increasing from 3.22% in Q3 2024 to **3.38% in Q3 2025**.  **[921557_ada6d893ff0b4da6bc19a763d294346b]** 
- Despite this solid performance, the stock has **declined approximately 8.5%** over the past three months and **underperformed the S&P 500** year-to-date.  **[921557_ada6d893ff0b4da6bc19a763d294346b]** 
- Republic Bancorp's **total shareholder return over the past five years exceeds 128%**, highlighting strong long-term growth despite recent short-term share price declines.  **[921557_ada6d893ff0b4da6bc19a763d294346b]** 
- The company maintained strong balance sheet liquidity with **deposit growth of 5%** in Q3 2025, while the total loan portfolio slightly declined by 2% due to disciplined management.  **[921557_ada6d893ff0b4da6bc19a763d294346b]**

Republic Bancorp Reports Strong Q3 2025 Earnings Amidst Share Price Decline

- Republic Bancorp reported **net income of $29.7 million** and **Diluted EPS of $1.52 per share** for the third quarter of 2025, representing increases of **12%** and **11%** respectively, over the third quarter of 2024.  **[921557_46c2b022c102472ab9abb405dd04e822_0]** 
- For the third quarter of 2025, the company achieved a **return on average assets (ROA) of 1.69%** and a **return on average equity (ROE) of 10.91%**.  **[921557_46c2b022c102472ab9abb405dd04e822_0]** 
- The Total Company Net Interest Margin (NIM) expanded by **16 basis points** to **4.65%** in the third quarter of 2025, up from 4.49% in the third quarter of 2024.  **[921557_46c2b022c102472ab9abb405dd04e822_0]** 
- Core Bank net income increased by **15%** to **$19.8 million** for the third quarter of 2025, compared to $17.2 million in the prior year period.  **[921557_46c2b022c102472ab9abb405dd04e822_1]** 
- The company recently received two accolades, being ranked among **Bank Director's Top 25** publicly traded banks and awarded the **2024 Raymond James Community Bankers Cup**.  **[921557_46c2b022c102472ab9abb405dd04e822_1]**

Republic Bancorp Reports 12% Increase in Third Quarter Net Income

- Republic Bancorp reported **net income of $29.7 million** and **Diluted Earnings per Class A Common Share of $1.52** for the **third quarter of 2025**, representing increases of **12%** and **11%** respectively, over the third quarter of 2024.  **[921557_0001104659-25-100262_rbcaa-20251017xex99d1.htm:0]** 
- For the third quarter of 2025, the company achieved a **return on average assets (ROA) of 1.69%** and a **return on average equity (ROE) of 10.91%**. The Total Company Net Interest Margin (NIM) expanded **16 basis points** to **4.65%** from the third quarter of 2024.  **[921557_0001104659-25-100262_rbcaa-20251017xex99d1.htm:0]** 
- Core Bank net income increased by **15%** to **$19.8 million** for the third quarter of 2025, driven by a **12% increase in net interest income**.  **[921557_0001104659-25-100262_rbcaa-20251017xex99d1.htm:0]** **[921557_0001104659-25-100262_rbcaa-20251017xex99d2.htm:1]**  Deposits grew by **$21 million** from June 30, 2025, to September 30, 2025.  **[921557_0001104659-25-100262_rbcaa-20251017xex99d1.htm:0]** 
- Credit quality for the Core Bank remained solid, with net charge-offs to average loans at **0.02%** and period-end nonperforming loans to total loans at **0.42%** for the third quarter of 2025.  **[921557_0001104659-25-100262_rbcaa-20251017xex99d1.htm:0]**

REPUBLIC BANCORP INC /KY/ (RBCAA)