All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2024-03-15.
From the record
Republic Bancorp, Inc.'s filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2024-03-15) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.8% a year over 10 filed years; profitable in 10 of 10.
From the record
Republic Bancorp, Inc.'s 10 filed years say what it did: revenue went from $174 million in fiscal 2016 to $439 million in fiscal 2025, up 10.8% a year; it rose in 7 of 9 years; the deepest fall was 19% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.5% a year. 27% of cash flow returned. Insiders: 6 sales, 1 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Republic Bancorp, Inc.'s diluted share count shrank about 0.5% a year, and dividends and buybacks returned about 27% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 6 sales and 1 purchase of their own stock on the open market in the year to 2026-10-29, buying about $10 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 12%: 12¢ of profit per shareholder dollar. Leverage 84%: owes 84¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Republic Bancorp, Inc. earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 84 cents per dollar of assets, and net share issuance: its share count grew 0.4% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 28% of 155 in its family; net margin 29.9%.
From the record
Republic Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $439 million in fiscal 2025 ranks in the top 40% by size; a net margin of 29.9% ranks in the top 17%; revenue growth of 21.5% a year over the last 3 filed years ranks in the top 26% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 46% of 150 in its family for leadership; chief executive since 2021.
From the record
Republic Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Pichel, Logan (PRESIDENT & CEO, REPUBLIC BANK, as filed), filing under that title since 2021-10-04, 5.1 years (bottom 31% of its family); the 24 officers and directors filing in the last fifteen months have been on the record a median of 6.5 years (bottom 39%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 24 people in charge now (top 9%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 31% of 142 in its family for room to expand.
From the record
Republic Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $220 million against no long-term debt tagged leaves 3.1% of its assets as net cash, bottom 49% of its family; cash from operations less capital spending is 36.7% of revenue (top 11%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 36% of 152 in its family for growth drivers.
From the record
Republic Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 21.5% a year over the last three filed years against 10.8% over all 10, speeding up (top 10% of its family); the newest year grew 1.3% (bottom 29%); capital spending grew 26.6% a year (top 29%) (its annual reports). Republic Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 38% of 150 in its family for expectations against reality.
From the record
Republic Bancorp, Inc.'s newest year against its own record: revenue of $439 million in fiscal 2025 came in 23.9% below the $576 million its prior three years' pace pointed to (bottom 16% of its family); net income of $131 million against a prior three-year average of $94 million (top 14%); a net margin of 29.9% against 28.7% before (top 16%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made