Filing Flows › Republic Bancorp (RBCAA) › Q3 2026 › vs Q2 2026
Republic Bancorp (RBCAA) Q3 2026 vs Q2 2026 (quarter over quarter)
Republic Bancorp's revenue rose $2.7M (+3%) from $101M in Q2 2026 to $104M in Q3 2026. The biggest changes: Core Banking +$1.6M (+2%); Republic Processing Group +$1.1M (+4%). Operating margin 38.1% against 42.0% (-3.9 pts).
Republic Bancorp, Q3 2026: revenue $104M (+11% year over year), operating margin 38.1%, net earnings $31.1M, operating cash flow $41.6M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 38.1% | 42.0% | -3.9 pts |
| Net margin | 29.9% | 32.5% | -2.6 pts |
| Free cash flow margin | 39.4% | -0.1% | +39.5 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Traditional Banking | $73.2M | $71.6M | $1.6M | +2% |
| Republic Credit Solutions | $21.6M | $18.9M | $2.7M | +14% |
| Republic Payment Solutions | $4.2M | $3.8M | $446K | +12% |
| Warehouse Lending | $3.7M | $3.8M | −$30K | -0.8% |
| Tax Refund Solutions | $1.2M | $3.3M | −$2.1M | -64% |
| Core Banking | $77.0M | $75.4M | $1.6M | +2% |
| Republic Processing Group | $27.0M | $25.9M | $1.1M | +4% |
| Revenue | $104M | $101M | $2.7M | +3% |
| Operating profit | $39.6M | $42.5M | −$2.9M | -7% |
| Costs & expenses | $64.3M | $58.7M | $5.6M | +10% |
| Pre-tax earnings | $39.6M | $42.5M | −$2.9M | -7% |
| Net earnings | $31.1M | $32.9M | −$1.8M | -5% |
| Income tax | $8.6M | $9.7M | −$1.1M | -12% |
| Depreciation & amortization | $2.0M | $2.1M | −$86K | -4% |
| Share-based compensation | $503K | $903K | −$400K | -44% |
| Working capital & other | $8.0M | −$34.8M | $42.8M | — |
| Operating cash flow | $41.6M | $1.1M | $40.5M | 39× |
| Free cash flow (OCF − capex) | $40.9M | −$120K | $41.1M | — |
| Capital expenditures | $670K | $1.2M | −$527K | -44% |
Questions
How much did Republic Bancorp's revenue grow quarter over quarter in Q3 2026?
Republic Bancorp's revenue rose $2.7M (+3%) from $101M in Q2 2026 to $104M in Q3 2026.
What drove Republic Bancorp's revenue change in Q3 2026?
Core Banking +$1.6M (+2%); Republic Processing Group +$1.1M (+4%).