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Republic Bancorp (RBCAA) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Republic Bancorp (RBCAA) Q3 2026 earnings results →

Q3 2026 Revenue up 11% year over year to $104M · 30¢ of every $1 of revenue kept as net profit · operating margin 38.1%

Republic Bancorp made $104M in Q3 2026 (+11% Y/Y): Core Banking $77.0M, Republic Processing Group $27.0M. Operating margin 38.1%, net earnings $31.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$104M
Year over year+11%
Operating margin38.1%
Net earnings$31.1M
Operating cash flow$41.6M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $103.9M in Q3 2026, up 11% year over year and up 3% from the previous quarter. Traditional Banking was the largest line at 70% of revenue. Traditional Banking added $5.3M year over year (up 8%), 51% of the total change. Tax Refund Solutions declined 18%.

Operating profit was $39.6M, a 38.1% margin (down 2.2 points year over year). Of the extra revenue versus Q3 2025, 18% reached operating profit, below the 40% margin then. Total costs grew 15% against revenue growth of 11%. Net earnings were $31.1M, up 4% year over year. The effective tax rate was 21.6%.

Operating cash flow was $41.6M (up 11% year over year), 134% of net earnings. Non-cash charges added back $2.0M of depreciation and amortization and $503K of share-based compensation. Working capital and other items added $8.0M. Capital expenditures of $670K left free cash flow of $40.9M.

Quarterly history

Republic Bancorp revenue by quarterRepublic Bancorp revenue by quarter$136MQ1 2025$93.8MQ2 2025$93.5MQ3 2025$94.3MQ4 2025$120MQ1 2026$101MQ2 2026$104MQ3 2026
Republic Bancorp net earnings by quarterRepublic Bancorp net earnings by quarter$47.3MQ1 2025$31.5MQ2 2025$29.7MQ3 2025$22.8MQ4 2025$42.6MQ1 2026$32.9MQ2 2026$31.1MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$104M+11%38.1%$31.1M$41.6M
Q2 202610-QAug 7, 2026$101M+8%42.0%$32.9M$1.1M
Q1 202610-QMay 7, 2026$120M-11%46.0%$42.6M$73.0M
Q4 202510-KMar 6, 2026$94.3M+5%29.3%$22.8M$33.3M
Q3 202510-QNov 6, 2025$93.5M+6%40.4%$29.7M$37.4M
Q2 202510-QAug 7, 2025$93.8M+8%43.0%$31.5M$8.4M
Q1 202510-QMay 8, 2025$136M+13%44.1%$47.3M$89.1M

Charts

Republic Bancorp: revenue growth, year over year and quarter over quarterRepublic Bancorp: revenue growth, year over year and quarter over quarterY/YQ/Q+13%Q1 2025+8%-31%Q2 2025+6%0%Q3 2025+5%+1%Q4 2025-11%+28%Q1 2026+8%-16%Q2 2026+11%+3%Q3 2026
Latest (Q3 2026): Y/Y +11%, Q/Q +3%.
Republic Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Republic Bancorp: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$189MOperating cash flow$149MCash drawn (+) / kept (−)$84.9MDividends−$36.5MCapital spending−$6.5MOther financing−$2.2M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Republic Bancorp: profit against cash, quarter by quarterRepublic Bancorp: profit against cash, quarter by quarterNet incomeOperating cash flow$19.0M$22.5MQ4 2024$47.3M$89.1MQ1 2025$31.5M$8.4MQ2 2025$29.7M$37.4MQ3 2025$22.8M$33.3MQ4 2025$42.6M$73.0MQ1 2026$32.9M$1.1MQ2 2026$31.1M$41.6MQ3 2026
Latest (Q3 2026): Net income $31.1M, Operating cash flow $41.6M.
Republic Bancorp: diluted shares by fiscal yearRepublic Bancorp: diluted shares by fiscal year21MFY202021MFY202120MFY202220MFY202320MFY202420MFY2025
-6.0% since FY2020: buybacks shrank the count.
Republic Bancorp in its industry: growth against margin (133 companies, SIC 6022)Republic Bancorp in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHCNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFRBCAA (+11%, 38%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Republic Bancorp

The consolidated financial statements included in this report include the accounts of Republic Bancorp, Inc. and its wholly owned subsidiary, Republic Bank & Trust Company. As used in this report, the terms “Republic,” the “Company,” “we,” “our,” and “us” refer to Republic Bancorp, Inc. and, where the context requires, Republic Bancorp, Inc. and its subsidiary. The term the “Bank” refers to the Company’s subsidiary bank, Republic Bank & Trust Company, as well as its wholly owned subsidiary, RBT Insurance Agency LLC. The Company dissolved Republic Insurance Services, Inc., its former insurance captive subsidiary, in 2023. All significant intercompany balances and transactions are eliminated in consolidation.

In its own words, from its 10-K, filed Mar 6, 2026.

Republic Bancorp against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +11% against the peers' median +11%. Operating margin: 38.1% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
RBCAA Republic BancorpQ3 2026$104M+11%38.1%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Republic Bancorp 10-Q on SEC EDGAR · CIK 921557 · State Commercial Banks

Guidance and outlook

Republic Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)Republic Bancorp: what its forward-looking statements are about (10-Q filed 2026-11-05)The economy7Other4Costs1
12 statements; tone -0.17 (−1 all cautious, +1 all confident); 2 hedged.
Republic Bancorp: outlook statements against the filing beforeRepublic Bancorp: outlook statements against the filing beforeConfident2Cautious4

13F: who owns RBCAA and who is buying

Largest holders of RBCAA (13F)Largest holders of RBCAA (13F)Dimensional Fund Advisors LP$84.4MBlackRock$71.5MVanguard Capital Management LLC$56.8MVanguard Group$42.9MAmerican Century Companies$35.9MMorgan Stanley$31.0MState Street$30.6MGeode Capital Management, LLC$22.8MGendell Jeffrey L$12.9MBridgeway Capital Management, LLC$11.9M
Funds' net buying of RBCAA by quarter (13F)Funds' net buying of RBCAA by quarter (13F)$922K2024-09−$1.2M2024-12$3.6M2025-03$7.3M2025-06$5.8M2025-09−$607K2025-12$13.8M2026-03$44.5M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on RBCAA

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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