Filing Flows › Republic Bancorp (RBCAA) › Q3 2025
Republic Bancorp (RBCAA) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
Republic Bancorp (RBCAA) reported revenue of $93.5M for the third quarter 2025 (Q3 2025), +6% from a year earlier and -0.3% from the quarter before. Operating margin was 40.4%, net earnings $29.7M (31.8% of revenue).
Republic Bancorp, Q3 2025: revenue $93.5M (+6% year over year), operating margin 40.4%, net earnings $29.7M, operating cash flow $37.4M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $93.5M | -0.3% | +6% |
| Operating profit | $37.8M | -7% | +12% |
| Net earnings | $29.7M | -6% | +12% |
| Operating cash flow | $37.4M | +342% | -27% |
| Free cash flow | $34.9M | +575% | -30% |
What changed
Revenue was $93.5M in Q3 2025, up 6% year over year and roughly flat from the previous quarter. Traditional Banking was the largest line at 73% of revenue. Traditional Banking added $5.8M year over year (up 9%), 107% of the total change. Republic Credit Solutions declined 7%.
Operating profit was $37.8M, a 40.4% margin (up 2.0 points year over year). Of the extra revenue versus a year earlier, 72% reached operating profit, above the 38% margin then. Total costs grew 3% against revenue growth of 6%. Net earnings were $29.7M, up 12% year over year. The effective tax rate was 21.2%.
Operating cash flow was $37.4M (down 27% year over year), 126% of net earnings. Non-cash charges added back $1.5M of depreciation and amortization and $446K of share-based compensation. Working capital and other items added $5.7M. Capital expenditures of $2.5M left free cash flow of $34.9M.
Questions
What was Republic Bancorp's revenue in the third quarter 2025?
Republic Bancorp (RBCAA) reported revenue of $93.5M for the third quarter 2025 (Q3 2025), +6% from a year earlier and -0.3% from the quarter before.
Was Republic Bancorp profitable in the third quarter 2025?
Operating profit was $37.8M (40.4% of revenue) and net earnings $29.7M.
Source: Republic Bancorp 10-Q on SEC EDGAR.