NASDAQ$RBCAA
Republic Bancorp Inc · Q4 2020 earnings
Q4 2020 earnings · · Investor relations
Briefing
Republic Bancorp reported an increase in net income for the fourth quarter of 2020, driven by diversity of revenue sources among its various operating segments.
Republic Bancorp, Inc. reported a net income of $20.3 million for the fourth quarter of 2020, resulting in Diluted Earnings Per Class A Common Share of $0.98. The company's net income results for the fourth quarter of 2020 represents an 11% increase over the company's fourth quarter 2019 adjusted net income of $18.3 million.
- Net income for the quarter was $20.3 million, with diluted EPS of $0.98.
- Core Bank net interest income increased by $3.6 million, or 8%, driven by PPP portfolio fee income and Warehouse segment growth.
- Mortgage Banking income increased by $5.4 million, driven by improved origination volume and pricing.
- The company's effective tax rate decreased to 13.9% due to recording additional deferred tax assets from Kentucky HB354.
Headline financials
Revenue & EPS history
Republic Bancorp · Revenue · Quarterly
$55.1M
Revenue by segment
Republic Bancorp · $51.3M total across 2 segments · Q2 2023
- Traditional Banking$48.7M—94.9%
- Warehouse Lending$2.64M-32.0%5.1%
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2020
+0.2%
Avg return
Earnings day
+1.1%
Avg return
5 days after
+2.6%
Avg return
30 days after
56%
36 / 64 earnings
Positive
+8.2%
Q3 2016
Best reaction
-8.3%
Q2 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +2.8% | +5.4% | +9.4% | |
| Q4 2025 | +1.9% | +3.9% | -3.4% | |
| Q3 2025 | +4.3% | +2.3% | -2.2% | |
| Q2 2025 | -1.3% | -5.9% | +7.4% | |
| Q1 2025 | +1.1% | +2.7% | -0.7% | |
| Q4 2024 | -2.4% | -2.7% | -4.4% | |
| Q3 2024 | -1.2% | +0.5% | +12.5% | |
| Q2 2024 | +3.2% | +2.8% | -3.7% | |
| Q1 2024 | +1.3% | +1.8% | +5.2% | |
| Q3 2023 | +0.9% | -0.7% | +4.1% | |
| Q2 2023 | -3.8% | -2.2% | -2.6% | |
| Q1 2023 | +2.4% | -3.3% | -0.7% | |
| Q4 2022 | +3.2% | +4.8% | +4.8% | |
| Q3 2022 | +6.2% | +8.5% | +6.3% | |
| Q2 2022 | -8.3% | -6.2% | -6.9% | |
| Q1 2022 | -2.9% | -4.8% | -5.9% | |
| Q4 2021 | +0.9% | +0.5% | -3.7% | |
| Q3 2021 | +1.1% | -0.8% | +2.7% | |
| Q2 2021 | +2.2% | +2.8% | +6.4% | |
| Q1 2021 | +0.3% | -1.7% | +2.1% | |
| Q4 2020 | -0.5% | +3.0% | +14.9% | |
| Q3 2020 | +2.2% | +6.5% | +15.8% | |
| Q2 2020 | -3.0% | -3.2% | +2.6% | |
| Q1 2020 | +3.1% | +8.3% | +0.5% | |
| Q4 2019 | +2.1% | +0.1% | -4.1% | |
| Q3 2019 | +2.9% | +3.0% | +6.3% | |
| Q2 2019 | -7.0% | -2.2% | -12.3% | |
| Q1 2019 | -2.9% | +1.6% | +3.3% | |
| Q4 2018 | +0.7% | +4.3% | +14.2% | |
| Q3 2018 | -3.5% | -8.9% | +3.0% | |
| Q2 2018 | +1.2% | +2.0% | +1.3% | |
| Q1 2018 | +6.9% | +6.6% | +12.1% | |
| Q4 2017 | -0.7% | -1.4% | -0.5% | |
| Q3 2017 | +0.2% | +1.6% | -1.8% | |
| Q2 2017 | -2.1% | -1.1% | -4.3% | |
| Q1 2017 | +5.5% | +7.1% | +0.0% | |
| Q4 2016 | -1.0% | -1.7% | -3.5% | |
| Q3 2016 | +8.2% | +8.7% | +24.6% | |
| Q2 2016 | +0.6% | +0.7% | +3.6% | |
| Q1 2016 | +2.0% | — | — | |
| Q4 2015 | +0.9% | — | — | |
| Q3 2015 | +0.8% | — | — | |
| Q2 2015 | -1.3% | — | — | |
| Q1 2015 | +0.7% | — | — | |
| Q4 2014 | +1.3% | — | — | |
| Q3 2014 | -1.4% | — | — | |
| Q2 2014 | +2.1% | — | — | |
| Q1 2014 | +1.8% | — | — | |
| Q4 2013 | -2.7% | — | — | |
| Q3 2013 | -0.3% | — | — | |
| Q2 2013 | -2.0% | — | — | |
| Q1 2013 | -1.2% | — | — | |
| Q4 2012 | +1.0% | — | — | |
| Q3 2012 | -5.1% | — | — | |
| Q2 2012 | +0.8% | — | — | |
| Q1 2012 | -1.9% | — | — | |
| Q4 2011 | -0.4% | — | — | |
| Q3 2011 | -2.6% | — | — | |
| Q2 2011 | -1.6% | — | — | |
| Q1 2011 | +3.6% | — | — | |
| Q4 2010 | +0.1% | — | — | |
| Q3 2010 | -3.4% | — | — | |
| Q2 2010 | -0.1% | — | — | |
| Q1 2010 | -2.1% | — | — |
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