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Republic Bancorp RBCAA Q1 2026 earnings

Reported April 23, 2026 · Before market open

Revenue$79.0MMiss by $31.1M
EPS$2.04Beat by $0.20
Revenue estimate$110.1M
EPS estimate$1.84

Next report

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

Financials

Q1 2026

Income statement

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Revenue$120.4M-11.4%
Net income$42.6M-9.9%

Balance sheet

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Cash & equivalents$599.1M-24.5%
Total debt$31.5M-14.5%
Total equity$1.1B+9.6%
Total assets$7.3B+2.5%

Cash flow

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Operating cash flow$73.0M-18.1%
CapEx$4.9M+202%
Free cash flow$68.1M-22.2%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$1.38B+11.2%
Enterprise value$815.83M+67.3%
P/E10.9×+0.4×
P/S3.4×+0.3×

Profitability

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Net margin31.5%+2.0pp
FCF margin35.3%-5.1pp

Returns & leverage

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Return on equity11.7%-0.3pp
Debt / equity0×0.0×

Segments

By product

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Transfer Agent$9.5M-31.4%
Deposit Account$3.9M+12.2%
Credit And Debit Card$2.9M-6.6%
Financial Service Other$579.0K-74.3%
Gain Loss On Other Real Estate Owned-$50.0K+5.7%

By segment

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Tax Refund Solutions$21.0M-51.9%
Warehouse Lending$3.9M+28.7%
Republic Payment Solutions$3.8M-19.9%

FAQ

When did Republic Bancorp report Q1 2026 earnings?
Republic Bancorp (RBCAA) reported Q1 2026 earnings on April 23, 2026 before market open.
What were Republic Bancorp's Q1 2026 revenue and EPS?
Republic Bancorp reported revenue of $79.0M and eps of $2.04 for Q1 2026.
Did Republic Bancorp beat estimates in Q1 2026?
Revenue missed the consensus estimate of $110.1M by $31.1M. EPS beat the consensus estimate of $1.84 by $0.20.
How did Republic Bancorp's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 41.1% from $134.2M a year earlier and eps declined 15.7% from $2.42.
Where can I find Republic Bancorp's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-047276) and the 10-Q periodic report (0001104659-26-057076) directly on SEC EDGAR. The filing index links above go to sec.gov.