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Republic Bancorp RBCAA Q4 2025 Annual earnings

Reported January 30, 2026 · Before market open

Revenue$74.4MMiss by $18.2M
EPS$1.17Miss by $0.13
Revenue estimate$92.6M
EPS estimate$1.30

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$94.3M+5.3%
Net income$22.8M+20.0%

Balance sheet

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Cash & equivalents$220.0M-49.1%
Total debt$32.4M-12.8%
Total equity$1.1B+11.1%
Total assets$7.0B+2.9%

Cash flow

See full
Operating cash flow$33.3M+47.8%
CapEx--100%
Free cash flow$33.6M+55.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.35B-0.8%
Enterprise value$1.16B+20.4%
P/E10.3×-3.1×
P/S3.2×-0.3×

Profitability

See full
Net margin31.5%+5.1pp
FCF margin38.6%+1.4pp

Returns & leverage

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Return on equity12.5%+1.9pp
Debt / equity0×0.0×

Segments

By product

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Deposit Account$3.8M+4.7%
Credit And Debit Card$2.9M-9.1%
Financial Service Other$1.7M+167%
Transfer Agent$108.0K-24.5%
Gain Loss On Other Real Estate Owned-$53.0K-1.9%

By segment

See full
Warehouse Lending$4.3M+13.9%
Republic Payment Solutions$3.9M+14.2%
Tax Refund Solutions$460.0K-80.9%

FAQ

When did Republic Bancorp report Q4 2025 earnings?
Republic Bancorp (RBCAA) reported Q4 2025 earnings on January 30, 2026 before market open.
What were Republic Bancorp's Q4 2025 revenue and EPS?
Republic Bancorp reported revenue of $74.4M and eps of $1.17 for Q4 2025.
Did Republic Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $92.6M by $18.2M. EPS missed the consensus estimate of $1.30 by $0.13.
How did Republic Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 35.7% from $115.6M a year earlier and eps grew 21.7% from $0.96.
Where can I find Republic Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-008308) and the 10-K periodic report (0001104659-26-024523) directly on SEC EDGAR. The filing index links above go to sec.gov.