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Republic Bancorp RBCAA Q2 2026 earnings

Reported July 24, 2026 · Before market open

Revenue$101.3MBeat by $3.7M
EPS$1.68Beat by $0.13
Revenue estimate$97.6M
EPS estimate$1.55
“We delivered the strongest second-quarter results in Company history, substantially driven by the continued strength of our Core Bank(1) franchise. Traditional Banking(1) loans grew $59 million during the quarter, marking our strongest quarterly loan growth in nearly three years and reflecting the success of our relationship-based lending strategy, disciplined execution across our markets, and healthy demand across key lending categories. ​ Despite the headwinds of a 75 basis point decline in the Federal Funds Target Rate (”
Logan Pichel

Next report

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

Financials

Q2 2026

Income statement

See full
Revenue$101.3M+7.9%
Net income$32.9M+4.4%
EPS (diluted)$1.68+4.3%

Balance sheet

See full
Cash & equivalents$354.1M-27.0%
Total debt$30.1M-14.9%
Total equity$1.2B+9.1%
Total assets$7.1B+1.3%

Cash flow

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Operating cash flow$1.1M-87.3%
CapEx$1.2M-63.5%

Valuation & ratios

Valuation

as of 08/06/26
See full
Market cap$1.97B+47.4%
Enterprise value$1.64B+85.6%
P/E15.4×+4.6×
P/S4.8×+1.5×

Profitability

See full
Net margin31.3%+0.7pp

Returns & leverage

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Return on equity11.5%-0.8pp
Debt / equity0×0.0×

Segments

By product

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Deposit Account$4.1M+16.1%
Credit And Debit Card$3.6M+13.2%
Transfer Agent$3.2M+25.0%
Financial Service Other$911.0K-27.5%
Gain Loss On Other Real Estate Owned-$41.0K+22.6%

By segment

See full
Warehouse Lending$3.8M+5.5%
Republic Payment Solutions$3.8M-12.8%
Tax Refund Solutions$3.3M+17.5%

FAQ

When did Republic Bancorp report Q2 2026 earnings?
Republic Bancorp (RBCAA) reported Q2 2026 earnings on July 24, 2026 before market open.
What were Republic Bancorp's Q2 2026 revenue and EPS?
Republic Bancorp reported revenue of $101.3M and eps of $1.68 for Q2 2026.
Did Republic Bancorp beat estimates in Q2 2026?
Revenue beat the consensus estimate of $97.6M by $3.7M. EPS beat the consensus estimate of $1.55 by $0.13.
How did Republic Bancorp's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.7% from $92.4M a year earlier and eps grew 4.3% from $1.61.
Where can I find Republic Bancorp's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-086487) and the 10-Q periodic report (0001104659-26-092605) directly on SEC EDGAR. The filing index links above go to sec.gov.