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Republic Bancorp RBCAA Net Interest Income

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Segments

By segment

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Warehouse Lending$3.74M+5.5%
Republic Payment Solutions$3.01M-15.6%
Tax Refund Solutions$27K-56.5%

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 / equity0×0.0×

Where this comes from

Reported directly by Republic Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

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
Securities sold under agreements to repurchase and other short-term borrowings89140178277
Federal Home Loan Bank advances1,6184,0116,0329,646
Total interest expense20,82926,00144,16453,151
NET INTEREST INCOME81,70276,202172,154178,890
Provision for expected credit loss expense on loans5,1571,82314,93719,495
NET INTEREST INCOME AFTER PROVISION76,54574,379157,217159,395
NONINTEREST INCOME:
Service charges on deposit accounts4,0683,5057,9516,965

Item 1. Financial Statements.

FAQ

What is Republic Bancorp's net interest income?
Republic Bancorp (RBCAA) reported net interest income of $81.7M in Q2 2026.
How has Republic Bancorp's net interest income changed year-over-year?
Republic Bancorp's net interest income increased by 7.2% year-over-year, from $76.2M to $81.7M.
What is the long-term trend for Republic Bancorp's net interest income?
Over 4 years (2021 to 2025), Republic Bancorp's net interest income has grown at a 10.7% compound annual growth rate (CAGR), from $222.65M to $334.67M.
What does net interest income mean?
Net interest income is the difference between the interest earned on assets, such as loans and investments, and the interest paid on liabilities, such as deposits and borrowings. It is the fundamental measure of a bank's core profitability and its ability to manage interest rate spreads. This metric is a primary indicator of the health of the bank's traditional lending business.

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