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Republic Bancorp RBCAA Q3 2025 earnings

Reported October 17, 2025 · Before market open

Revenue$91.9MMiss by $602.0K
EPS$1.52Beat by $0.11
Revenue estimate$92.5M
EPS estimate$1.41

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$93.5M+6.2%
Net income$29.7M+12.1%

Balance sheet

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Cash & equivalents$484.2M-8.8%
Total debt$33.8M-8.1%
Total equity$1.1B+10.7%
Total assets$7.0B+4.8%

Cash flow

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Operating cash flow$37.4M-27.1%
CapEx$2.5M+65.2%
Free cash flow$34.9M-29.9%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.41B+11.2%
Enterprise value$960.68M+23.9%
P/E11.1×-1.4×
P/S3.4×+0.1×

Profitability

See full
Net margin30.9%+3.8pp
FCF margin36.1%-1.6pp

Returns & leverage

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Return on equity12.4%+1.5pp
Debt / equity0×0.0×

Segments

By product

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Deposit Account$3.6M-1.3%
Credit And Debit Card$3.0M-7.8%
Transfer Agent$1.1M+91.9%
Financial Service Other$840.0K-42.3%
Gain Loss On Other Real Estate Owned-$52.0K+1.9%

By segment

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Republic Payment Solutions$4.0M+7.0%
Warehouse Lending$3.8M+6.4%
Tax Refund Solutions$1.4M+36.8%

FAQ

When did Republic Bancorp report Q3 2025 earnings?
Republic Bancorp (RBCAA) reported Q3 2025 earnings on October 17, 2025 before market open.
What were Republic Bancorp's Q3 2025 revenue and EPS?
Republic Bancorp reported revenue of $91.9M and eps of $1.52 for Q3 2025.
Did Republic Bancorp beat estimates in Q3 2025?
Revenue missed the consensus estimate of $92.5M by $602.0K. EPS beat the consensus estimate of $1.41 by $0.11.
How did Republic Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.1% from $86.6M a year earlier and eps grew 10.9% from $1.37.
Where can I find Republic Bancorp's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-100262) and the 10-Q periodic report (0001104659-25-107626) directly on SEC EDGAR. The filing index links above go to sec.gov.