Filing Flows › Republic Bancorp (RBCAA) › How it makes money
How Republic Bancorp (RBCAA) makes money
Republic Bancorp (RBCAA) made $104M of revenue in the third quarter 2026 (Q3 2026), +11% from a year earlier. Core Banking brought in $77.0M (74%); Republic Processing Group brought in $27.0M (26%). Of every dollar of revenue, 38¢ was left as operating profit, 30¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Core Banking | $77.0M | 74.1% | +2% | +7% |
| ↳ Traditional Banking | $73.2M | 70.5% | +2% | +8% |
| ↳ Warehouse Lending | $3.7M | 3.6% | -0.8% | -2% |
| Republic Processing Group | $27.0M | 25.9% | +4% | +24% |
| ↳ Republic Credit Solutions | $21.6M | 20.8% | +14% | +32% |
| ↳ Republic Payment Solutions | $4.2M | 4.0% | +12% | +6% |
| ↳ Tax Refund Solutions | $1.2M | 1.1% | -64% | -18% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $104M | 100.0% |
| Operating profit | $39.6M | 38.1% |
| Income tax | $8.6M | 8.2% |
| Net earnings | $31.1M | 29.9% |
| Operating cash flow | $41.6M | 40.0% |
| Free cash flow | $40.9M | 39.4% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $104M | +11% |
| Q2 2026 | $101M | +8% |
| Q1 2026 | $120M | -11% |
| Q4 2025 | $94.3M | +5% |
| Q3 2025 | $93.5M | +6% |
| Q2 2025 | $93.8M | +8% |
| Q1 2025 | $136M | +13% |
From Republic Bancorp's 10-Q filed Nov 5, 2026 (on EDGAR).
Questions
How does Republic Bancorp make money?
Republic Bancorp (RBCAA) made $104M of revenue in the third quarter 2026 (Q3 2026), +11% from a year earlier. Core Banking brought in $77.0M (74%); Republic Processing Group brought in $27.0M (26%). Of every dollar of revenue, 38¢ was left as operating profit, 30¢ was left as net earnings.
What is Republic Bancorp's biggest business?
Core Banking: $77.0M in the third quarter 2026, 74% of revenue, +7% from a year earlier.
What is Republic Bancorp's profit margin?
Net earnings were $31.1M, 29.9% of revenue, in the third quarter 2026; the operating margin was 38.1%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.