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Republic Bancorp RBCAA Q1 2025 earnings

Reported April 24, 2025 · Before market open

Revenue$134.2MBeat by $7.3M
EPS$2.42Beat by $0.56
Revenue estimate$126.9M
EPS estimate$1.86

Next report

Oct 16, 2026 (in 2 months)
Revenue estimate$101.1M
EPS estimate$1.63

Financials

Q1 2025

Income statement

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Revenue$135.8M+12.9%
Net income$47.3M+54.4%

Balance sheet

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Cash & equivalents$793.0M+45.1%
Total debt$36.8M+8.1%
Total equity$1.0B+10.5%
Total assets$7.1B+2.9%

Cash flow

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Operating cash flow$89.1M+25.1%
CapEx$1.6M-22.1%
Free cash flow$87.5M+26.5%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$1.24B+24.4%
Enterprise value$487.7M0.0%
P/E10.5×-0.2×
P/S3.1×+0.4×

Profitability

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Net margin29.5%+4.0pp
FCF margin40.3%+10.4pp

Returns & leverage

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Return on equity12%+1.8pp
Debt / equity0×0.0×

Segments

By product

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Transfer Agent$13.9M+28.4%
Deposit Account$3.5M+4.4%
Credit And Debit Card$3.1M-2.5%
Financial Service Other$2.3M+152%
Gain Loss On Other Real Estate Owned-$53.0K0.0%

By segment

See full
Tax Refund Solutions$43.8M+4.7%
Republic Payment Solutions$4.8M+11.2%
Warehouse Lending$3.0M+34.3%

FAQ

When did Republic Bancorp report Q1 2025 earnings?
Republic Bancorp (RBCAA) reported Q1 2025 earnings on April 24, 2025 before market open.
What were Republic Bancorp's Q1 2025 revenue and EPS?
Republic Bancorp reported revenue of $134.2M and eps of $2.42 for Q1 2025.
Did Republic Bancorp beat estimates in Q1 2025?
Revenue beat the consensus estimate of $126.9M by $7.3M. EPS beat the consensus estimate of $1.86 by $0.56.
How did Republic Bancorp's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.8% from $119.0M a year earlier and eps grew 53.2% from $1.58.
Where can I find Republic Bancorp's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001558370-25-005351) and the 10-Q periodic report (0001558370-25-006869) directly on SEC EDGAR. The filing index links above go to sec.gov.