Filing Flows › Republic Bancorp (RBCAA) › Q2 2026
Republic Bancorp (RBCAA) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 7, 2026
Republic Bancorp (RBCAA) reported revenue of $101M for the second quarter 2026 (Q2 2026), +8% from a year earlier and -16% from the quarter before. Operating margin was 42.0%, net earnings $32.9M (32.5% of revenue).
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 follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $101M | -16% | +8% |
| Operating profit | $42.5M | -23% | +5% |
| Net earnings | $32.9M | -23% | +4% |
| Operating cash flow | $1.1M | -99% | -87% |
What changed
Revenue was $101.3M in Q2 2026, up 8% year over year and down 16% from the previous quarter. Traditional Banking was the largest line at 71% of revenue. Traditional Banking added $4.8M year over year (up 7%), 65% of the total change. Republic Payment Solutions declined 13%.
Operating profit was $42.5M, a 42.0% margin (down 1.0 points year over year). Of the extra revenue versus Q2 2025, 29% reached operating profit, below the 43% margin then. Total costs grew 10% against revenue growth of 8%. Net earnings were $32.9M, up 4% year over year. The effective tax rate was 22.8%.
Operating cash flow was $1.1M (down 87% year over year), 3% of net earnings. Non-cash charges added back $2.1M of depreciation and amortization and $903K of share-based compensation. Working capital and other items used $34.8M. Capital expenditures of $1.2M exceeded it, leaving free cash flow of −$120K.
Questions
What was Republic Bancorp's revenue in the second quarter 2026?
Republic Bancorp (RBCAA) reported revenue of $101M for the second quarter 2026 (Q2 2026), +8% from a year earlier and -16% from the quarter before.
Was Republic Bancorp profitable in the second quarter 2026?
Operating profit was $42.5M (42.0% of revenue) and net earnings $32.9M.
Source: Republic Bancorp 10-Q on SEC EDGAR.