Filing Flows › Republic Bancorp (RBCAA) › Q3 2026 › vs Q3 2025
Republic Bancorp (RBCAA) Q3 2026 vs Q3 2025 (year over year)
Republic Bancorp's revenue rose $10.4M (+11%) from $93.5M in Q3 2025 to $104M in Q3 2026. The biggest changes: Core Banking +$5.2M (+7%); Republic Processing Group +$5.2M (+24%). Operating margin 38.1% against 40.4% (-2.2 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 38.1% | 40.4% | -2.2 pts |
| Net margin | 29.9% | 31.8% | -1.9 pts |
| Free cash flow margin | 39.4% | 37.3% | +2.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Traditional Banking | $73.2M | $67.9M | $5.3M | +8% |
| Republic Credit Solutions | $21.6M | $16.4M | $5.2M | +32% |
| Republic Payment Solutions | $4.2M | $4.0M | $221K | +6% |
| Warehouse Lending | $3.7M | $3.8M | −$89K | -2% |
| Tax Refund Solutions | $1.2M | $1.4M | −$254K | -18% |
| Core Banking | $77.0M | $71.8M | $5.2M | +7% |
| Republic Processing Group | $27.0M | $21.8M | $5.2M | +24% |
| Revenue | $104M | $93.5M | $10.4M | +11% |
| Operating profit | $39.6M | $37.8M | $1.9M | +5% |
| Costs & expenses | $64.3M | $55.8M | $8.5M | +15% |
| Pre-tax earnings | $39.6M | $37.8M | $1.9M | +5% |
| Net earnings | $31.1M | $29.7M | $1.3M | +4% |
| Income tax | $8.6M | $8.0M | $544K | +7% |
| Depreciation & amortization | $2.0M | $1.5M | $509K | +33% |
| Share-based compensation | $503K | $446K | $57K | +13% |
| Working capital & other | $8.0M | $5.7M | $2.3M | +42% |
| Operating cash flow | $41.6M | $37.4M | $4.2M | +11% |
| Free cash flow (OCF − capex) | $40.9M | $34.9M | $6.0M | +17% |
| Capital expenditures | $670K | $2.5M | −$1.8M | -73% |
Questions
How much did Republic Bancorp's revenue grow year over year in Q3 2026?
Republic Bancorp's revenue rose $10.4M (+11%) from $93.5M in Q3 2025 to $104M in Q3 2026.
What drove Republic Bancorp's revenue change in Q3 2026?
Core Banking +$5.2M (+7%); Republic Processing Group +$5.2M (+24%).