Filing Flows › Republic Bancorp (RBCAA) › Q4 2025
Republic Bancorp (RBCAA) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 6, 2026
Republic Bancorp (RBCAA) reported revenue of $94.3M for the fourth quarter 2025 (Q4 2025), +5% from a year earlier and +0.8% from the quarter before. Operating margin was 29.3%, net earnings $22.8M (24.2% of revenue).
Republic Bancorp, Q4 2025: revenue $94.3M (+5% year over year), operating margin 29.3%, net earnings $22.8M, operating cash flow $33.3M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $94.3M | +0.8% | +5% |
| Operating profit | $27.6M | -27% | +20% |
| Net earnings | $22.8M | -23% | +20% |
| Operating cash flow | $33.3M | -11% | +48% |
What changed
Revenue was $94.3M in Q4 2025, up 5% year over year and up 1% from the previous quarter. Traditional Banking was the largest line at 74% of revenue.
Operating profit was $27.6M, a 29.3% margin (up 3.5 points year over year). Of the extra revenue versus a year earlier, 96% reached operating profit, above the 26% margin then. Total costs grew 0% against revenue growth of 5%. Net earnings were $22.8M, up 20% year over year. The effective tax rate was 17.3%.
Operating cash flow was $33.3M (up 48% year over year), 146% of net earnings. Non-cash charges added back $1.6M of depreciation and amortization and $595K of share-based compensation. Working capital and other items added $8.3M. Capital expenditures of −$276K left free cash flow of $33.6M.
Questions
What was Republic Bancorp's revenue in the fourth quarter 2025?
Republic Bancorp (RBCAA) reported revenue of $94.3M for the fourth quarter 2025 (Q4 2025), +5% from a year earlier and +0.8% from the quarter before.
Was Republic Bancorp profitable in the fourth quarter 2025?
Operating profit was $27.6M (29.3% of revenue) and net earnings $22.8M.
Source: Republic Bancorp 10-K on SEC EDGAR.