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Republic Bancorp RBCAA Pre-Tax Income

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Segments

By segment

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Warehouse Lending$2.82M+19.1%
Republic Payment Solutions$2.46M-21.3%
Tax Refund Solutions$2.22M-47.4%

Other financials

Income statement

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

Balance sheet

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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%
Free cash flow$68.1M-22.2%

Valuation

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Market cap$1.96B+46.4%
Enterprise value$1.63B+84.2%
P/E15.3×+4.5×
P/S4.8×+1.5×

Profitability

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Net margin31.3%+0.7pp
FCF margin35.3%-5.1pp

Returns & leverage

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Return on equity11.5%-0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Republic Bancorp in its filing.

Tagged under the XBRL concept us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

The source filing: Republic Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 2:19 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092605
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
FHLB advances early termination penalties2,316
Other4,4174,4479,1758,705
Total noninterest expense53,56451,633108,810109,841
INCOME BEFORE INCOME TAX EXPENSE42,55040,39097,935100,352
INCOME TAX EXPENSE9,6848,90622,50021,600
NET INCOME$32,866$31,484$75,435$78,752
BASIC EARNINGS PER SHARE:
Class A Common Stock$1.69$1.62$3.86$4.04

Item 1. Financial Statements.

FAQ

What is Republic Bancorp's pre-tax income?
Republic Bancorp (RBCAA) reported pre-tax income of $42.55M in Q2 2026.
How has Republic Bancorp's pre-tax income changed year-over-year?
Republic Bancorp's pre-tax income increased by 5.3% year-over-year, from $40.39M to $42.55M.
What is the long-term trend for Republic Bancorp's pre-tax income?
Over 4 years (2021 to 2025), Republic Bancorp's pre-tax income has grown at a 10.4% compound annual growth rate (CAGR), from $111.44M to $165.71M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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