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Republic Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$40.9M in Q3 2026 · $142M over twelve months

Operating cash flow$41.6M
Capital spending−$670K
Free cash flow+$40.9M
Cash / net income1.3×

Analysis

In Q3 2026, Republic Bancorp generated $41.6M of operating cash flow and spent $670K on capital projects, leaving free cash flow of $40.9M. That is $6.0M more than in Q3 2025 ($34.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $149M; the largest uses were other investing ($189M), dividends ($36.5M), capital spending ($6.5M); the cash balance fell by $84.9M.

Operating cash flow was $41.6M against net income of $31.1M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$12.1M, other liabilities −$5.2M, depreciation & amortization +$2.0M.

Free cash flow

Republic Bancorp: free cash flow by quarterRepublic Bancorp: free cash flow by quarter$21.6MQ4 2024$87.5MQ1 2025$5.2MQ2 2025$34.9MQ3 2025$33.6MQ4 2025$68.1MQ1 2026−$120KQ2 2026$40.9MQ3 2026
Operating cash flow less capital spending.
Republic Bancorp: operating cash flow against capital spendingRepublic Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$22.5M$935KQ4 2024$89.1M$1.6MQ1 2025$8.4M$3.3MQ2 2025$37.4M$2.5MQ3 2025$33.3M−$276KQ4 2025$73.0M$4.9MQ1 2026$1.1M$1.2MQ2 2026$41.6M$670KQ3 2026
Latest (Q3 2026): Operating cash flow $41.6M, Capital spending $670K.

Capital allocation, year by year

Republic Bancorp: where the cash came from (up) and went (down), by fiscal yearRepublic Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $100MFY2021: Capital spending −$5.8MFY2021: Buybacks −$47.5MFY2021: Dividends −$24.7M$100MFY2021FY2022: Operating cash flow $155MFY2022: Capital spending −$3.5MFY2022: Buybacks −$12.6MFY2022: Dividends −$26.1M$155MFY2022FY2023: Operating cash flow $109MFY2023: Capital spending −$6.9MFY2023: Acquisitions −$41.0MFY2023: Buybacks −$20.3MFY2023: Dividends −$28.4M$109MFY2023FY2024: Operating cash flow $149MFY2024: Capital spending −$5.8MFY2024: Dividends −$30.5M$149MFY2024FY2025: Operating cash flow $168MFY2025: Capital spending −$7.1MFY2025: Buybacks −$72KFY2025: Dividends −$33.9M$168MFY2025
Over these 5 years operating cash flow totalled $681M; the largest uses were dividends ($144M) and buybacks ($80.5M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$399M
Debtnone
Net cash$399M

Republic Bancorp funds itself: free cash flow was $142M over the last twelve months, with $399M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Republic Bancorp: sources (+) and uses (−) of cash, Q3 2026Republic Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)−$45.3MOperating cash flow$41.6MDividends−$9.6MOther financing$8.5MOther investing$5.4MCapital spending−$670K
Republic Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Republic Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$189MOperating cash flow$149MCash drawn (+) / kept (−)$84.9MDividends−$36.5MCapital spending−$6.5MOther financing−$2.2M

From profit to cash

Republic Bancorp: net income to operating cash flow, Q3 2026Republic Bancorp: net income to operating cash flow, Q3 2026Net income$31.1MDepreciation & amortization$2.0MStock-based pay$503KGains on investments−$870KPrepaid and other assets$12.1MOther liabilities−$5.2MOperating cash flow$41.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$41.6M−$670K−$9.6M−$45.3M$40.9M
Q2 2026$1.1M−$1.2M−$9.6M$245M−$120K
Q1 2026$73.0M−$4.9M−$8.7M−$379M$68.1M
Q4 2025$33.3M$276K−$8.7M$264M$33.6M
Q3 2025$37.4M−$2.5M−$8.7M$570K$34.9M
Q2 2025$8.4M−$3.3M−$8.7M$308M$5.2M
Q1 2025$89.1M−$1.6M−$7.8M−$361M$87.5M
Q4 2024$22.5M−$935K−$7.8M$98.7M$21.6M

Republic Bancorp: income statement and cash flow

Republic Bancorp, Q3 2026: revenue $104M (+11% year over year), operating margin 38.1%. The chart follows the revenue to costs, profit and cash.

Republic Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.