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Republic Bancorp RBCAA Q2 2025 earnings

Reported July 18, 2025 · Before market open

Revenue$92.4MMiss by $892.0K
EPS$1.61Beat by $0.17
Revenue estimate$93.3M
EPS estimate$1.44

Next report

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

Financials

Q2 2025

Income statement

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Revenue$93.8M+8.0%
Net income$31.5M+24.9%
EPS (diluted)$1.61+23.6%

Balance sheet

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Cash & equivalents$484.8M+21.2%
Total debt$35.3M+8.4%
Total equity$1.1B+11.0%
Total assets$7.0B+5.4%

Cash flow

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Operating cash flow$8.4M+112%
CapEx$3.3M+155%
Free cash flow$5.2M+91.9%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$1.4B+34.2%
Enterprise value$946.75M+40.6%
P/E11.2×+0.5×
P/S3.4×+0.6×

Profitability

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Net margin30.5%+4.1pp
FCF margin40.3%+9.8pp

Returns & leverage

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Return on equity12.3%+1.8pp
Debt / equity0×0.0×

Segments

By product

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Deposit Account$3.5M-0.6%
Credit And Debit Card$3.2M-4.5%
Transfer Agent$2.6M-32.6%
Financial Service Other$1.3M+39.0%
Gain Loss On Other Real Estate Owned-$53.0K-10.4%

By segment

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Republic Payment Solutions$4.3M+16.5%
Warehouse Lending$3.6M+22.0%
Tax Refund Solutions$2.8M-40.9%

FAQ

When did Republic Bancorp report Q2 2025 earnings?
Republic Bancorp (RBCAA) reported Q2 2025 earnings on July 18, 2025 before market open.
What were Republic Bancorp's Q2 2025 revenue and EPS?
Republic Bancorp reported revenue of $92.4M and eps of $1.61 for Q2 2025.
Did Republic Bancorp beat estimates in Q2 2025?
Revenue missed the consensus estimate of $93.3M by $892.0K. EPS beat the consensus estimate of $1.44 by $0.17.
How did Republic Bancorp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.1% from $85.5M a year earlier and eps grew 23.8% from $1.30.
Where can I find Republic Bancorp's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001558370-25-009257) and the 10-Q periodic report (0001558370-25-010682) directly on SEC EDGAR. The filing index links above go to sec.gov.