Filing Flows › Republic Bancorp (RBCAA) › Q2 2026 › vs Q2 2025
Republic Bancorp (RBCAA) Q2 2026 vs Q2 2025 (year over year)
Republic Bancorp's revenue rose $7.4M (+8%) from $93.8M in Q2 2025 to $101M in Q2 2026. The biggest changes: Core Banking +$5.0M (+7%); Republic Processing Group +$2.4M (+10%). Operating margin 42.0% against 43.0% (-1.0 pts).
Republic Bancorp, Q2 2026: revenue $101M (+8% year over year), operating margin 42.0%, net earnings $32.9M, operating cash flow $1.1M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.0% | 43.0% | -1.0 pts |
| Net margin | 32.5% | 33.5% | -1.1 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Traditional Banking | $71.6M | $66.8M | $4.8M | +7% |
| Republic Credit Solutions | $18.9M | $16.4M | $2.5M | +15% |
| Warehouse Lending | $3.8M | $3.6M | $195K | +5% |
| Republic Payment Solutions | $3.8M | $4.3M | −$549K | -13% |
| Tax Refund Solutions | $3.3M | $2.8M | $487K | +17% |
| Core Banking | $75.4M | $70.4M | $5.0M | +7% |
| Republic Processing Group | $25.9M | $23.4M | $2.4M | +10% |
| Revenue | $101M | $93.8M | $7.4M | +8% |
| Operating profit | $42.5M | $40.4M | $2.2M | +5% |
| Costs & expenses | $58.7M | $53.5M | $5.3M | +10% |
| Pre-tax earnings | $42.5M | $40.4M | $2.2M | +5% |
| Net earnings | $32.9M | $31.5M | $1.4M | +4% |
| Income tax | $9.7M | $8.9M | $778K | +9% |
| Operating cash sources | $35.9M | $34.0M | $1.9M | +6% |
| Depreciation & amortization | $2.1M | $1.6M | $526K | +33% |
| Share-based compensation | $903K | $885K | $18K | +2% |
| Working capital & other | $34.8M | $25.5M | $9.3M | +36% |
| Operating cash flow | $1.1M | $8.4M | −$7.4M | -87% |
| Capital expenditures | $1.2M | $3.3M | −$2.1M | -64% |
| Negative free cash flow (OCF − capex) | $120K | −$5.2M | $5.3M | — |
Questions
How much did Republic Bancorp's revenue grow year over year in Q2 2026?
Republic Bancorp's revenue rose $7.4M (+8%) from $93.8M in Q2 2025 to $101M in Q2 2026.
What drove Republic Bancorp's revenue change in Q2 2026?
Core Banking +$5.0M (+7%); Republic Processing Group +$2.4M (+10%).