Filing Flows › Republic Bancorp (RBCAA) › Q2 2025
Republic Bancorp (RBCAA) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 7, 2025
Republic Bancorp (RBCAA) reported revenue of $93.8M for the second quarter 2025 (Q2 2025), +8% from a year earlier and -31% from the quarter before. Operating margin was 43.0%, net earnings $31.5M (33.5% of revenue).
Republic Bancorp, Q2 2025: revenue $93.8M (+8% year over year), operating margin 43.0%, net earnings $31.5M, operating cash flow $8.4M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $93.8M | -31% | +8% |
| Operating profit | $40.4M | -33% | +26% |
| Net earnings | $31.5M | -33% | +25% |
| Operating cash flow | $8.4M | -91% | +112% |
| Free cash flow | $5.2M | -94% | +92% |
What changed
Revenue was $93.8M in Q2 2025, up 8% year over year and down 31% from the previous quarter. Traditional Banking was the largest line at 71% of revenue. Traditional Banking added $6.9M year over year (up 11%), 99% of the total change. Tax Refund Solutions declined 41%.
Operating profit was $40.4M, a 43.0% margin (up 6.1 points year over year). Of the extra revenue versus a year earlier, 119% reached operating profit, above the 37% margin then. Total costs fell 2% while revenue rose 8%. Net earnings were $31.5M, up 25% year over year. The effective tax rate was 22.1%.
Operating cash flow was $8.4M (up 112% year over year), 27% of net earnings. Non-cash charges added back $1.6M of depreciation and amortization and $885K of share-based compensation. Working capital and other items used $25.5M. Capital expenditures of $3.3M left free cash flow of $5.2M.
Questions
What was Republic Bancorp's revenue in the second quarter 2025?
Republic Bancorp (RBCAA) reported revenue of $93.8M for the second quarter 2025 (Q2 2025), +8% from a year earlier and -31% from the quarter before.
Was Republic Bancorp profitable in the second quarter 2025?
Operating profit was $40.4M (43.0% of revenue) and net earnings $31.5M.
Source: Republic Bancorp 10-Q on SEC EDGAR.