Republic Bancorp (Republic Bancorp) Net Margin %

: 24.47% (As of Dec. 2023)

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Net margin is calculated as Net Income divided by its Revenue. Republic Bancorp's Net Income for the three months ended in Dec. 2023 was $19.7 Mil. Republic Bancorp's Revenue for the three months ended in Dec. 2023 was $80.4 Mil. Therefore, Republic Bancorp's net margin for the quarter that ended in Dec. 2023 was 24.47%.

The historical rank and industry rank for Republic Bancorp's Net Margin % or its related term are showing as below:

RBCAA' s Net Margin % Range Over the Past 10 Years
Min: 18.04 Med: 25.97 Max: 30.73
Current: 25.51

RBCAA's Net Margin % is ranked better than
50% of 1462 companies
in the Banks industry
Industry Median: 25.505 vs RBCAA: 25.51

Republic Bancorp Net Margin % Historical Data

The historical data trend for Republic Bancorp's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Republic Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Net Margin %

30.73

26.42

28.79

29.51

25.51

Republic Bancorp Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Net Margin %																24.66	24.68	25.42	27.92	24.47

Competitive Comparison

For the Banks - Regional subindustry, Republic Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Republic Bancorp Net Margin % Distribution

For the Banks industry and Financial Services sector, Republic Bancorp's Net Margin % distribution charts can be found below:

* The bar in red indicates where Republic Bancorp's Net Margin % falls into.

Republic Bancorp Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Republic Bancorp's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	90.374	/	354.27
	=	25.51 %

Republic Bancorp's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	19.659	/	80.352
	=	24.47 %

Republic Bancorp (NAS:RBCAA) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Republic Bancorp Net Margin % Related Terms

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Republic Bancorp (Republic Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Republic Bancorp Inc (NAS:RBCAA) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

601 West Market Street, Louisville, KY, USA, 40202

Website

https://www.republicbank.com

Republic Bancorp Inc operates as a financial institution that provides both traditional and non-traditional banking products through five reportable segments. It has traditional banking, warehouse, mortgage banking, Tax Refund Solutions (TRS), and Republic Credit Solutions (RCS) business segments. The business activities of these segments include retail mortgage lending, commercial lending, construction and land development lending, internet lending, correspondent lending, and indirect lending and also private banking, treasury management services, internet, and mobile banking, bank acquisitions, short-term revolving credit facilities, fixed-term residential real estate loans and receipt and payment of federal and state tax refund products under the TRS division.

Executives

Juan Montano	officer: EVP, Chief Mtg Banking Officer	601 W MARKET ST, LOUISVILLE KY 40202
Steven E Deweese	officer: EVP, Dir of Retail Banking	601 WEST MARKET STREET, LOUISVILLE KY 40202
Christy Ames	officer: EVP, General Counsel	601 W MARKET ST, LOUISVILLE KY 40202
Scott Trager	director, 10 percent owner, officer: Vice Chairman	601 W MARKET ST, LOUISVILLE KY 40202
Vidya Ravichandran	director	601 W MARKET ST, LOUISVILLE KY 40202
Jennifer N Green	director	601 W MARKET ST, LOUISVILLE KY 40202
Timothy S. Huval	director	500 W. MAIN STREET, LOUISVILLE KY 40202
Trager Trust Of 2012	10 percent owner	601 W MARKET ST, LOUISVILLE KY 40202
Steve Trager	director, 10 percent owner, officer: President and CEO	601 W MARKET ST, LOUISVILLE KY 40202
Laura M Douglas	director	601 W MARKET ST, LOUISVILLE KY 40202
Logan Pichel	director, officer: President & CEO, Republic Bank	601 W MARKET ST, LOUISVILLE KY 40202
Jeff Starke	officer: EVP, Chief Information Officer	601 W MARKET ST, LOUISVILLE KY 40202
George Iii Nichols	director	601 W MARKET ST, LOUISVILLE KY 40202
Margaret S Wendler	officer: EVP & Chief HR Officer	601 W MARKET ST, LOUISVILLE KY 40202
David P Feaster	director	601 W MARKET ST, LOUISVILLE KY 40202