Filing Flows › Republic Bancorp (RBCAA) › Q3 2026
Republic Bancorp (RBCAA) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Republic Bancorp (RBCAA) reported revenue of $104M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +3% from the quarter before. Operating margin was 38.1%, net earnings $31.1M (29.9% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $104M | +3% | +11% |
| Operating profit | $39.6M | -7% | +5% |
| Net earnings | $31.1M | -5% | +4% |
| Operating cash flow | $41.6M | 39× | +11% |
| Free cash flow | $40.9M | — | +17% |
What changed
Revenue was $103.9M in Q3 2026, up 11% year over year and up 3% from the previous quarter. Traditional Banking was the largest line at 70% of revenue. Traditional Banking added $5.3M year over year (up 8%), 51% of the total change. Tax Refund Solutions declined 18%.
Operating profit was $39.6M, a 38.1% margin (down 2.2 points year over year). Of the extra revenue versus Q3 2025, 18% reached operating profit, below the 40% margin then. Total costs grew 15% against revenue growth of 11%. Net earnings were $31.1M, up 4% year over year. The effective tax rate was 21.6%.
Operating cash flow was $41.6M (up 11% year over year), 134% of net earnings. Non-cash charges added back $2.0M of depreciation and amortization and $503K of share-based compensation. Working capital and other items added $8.0M. Capital expenditures of $670K left free cash flow of $40.9M.
Questions
What was Republic Bancorp's revenue in the third quarter 2026?
Republic Bancorp (RBCAA) reported revenue of $104M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +3% from the quarter before.
Was Republic Bancorp profitable in the third quarter 2026?
Operating profit was $39.6M (38.1% of revenue) and net earnings $31.1M.
Source: Republic Bancorp 10-Q on SEC EDGAR.