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Republic Bancorp RBCAA Financing Receivable And Net Investment In Lease Excluding Accrued Interest Before Allowance For Credit Loss

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Segments

By segment

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Warehouse Lending$614.7M-8.5%
Tax Refund Solutions$156K+64.2%

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 rbcaa:FinancingReceivableAndNetInvestmentInLeaseExcludingAccruedInterestBeforeAllowanceForCreditLoss.

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 itemJune 30, 2026December 31, 2025
Consumer loans held for sale, at fair value12,40610,968
Consumer loans held for sale, at the lower of cost or fair value29,02517,027
Other loans held for sale, at the lower of cost or fair value81,839
Loans5,410,4065,446,329
Allowance for credit losses(87,767)(85,352)
Loans, net5,322,6395,360,977
Federal Home Loan Bank stock, at cost18,14932,114
Premises and equipment, net42,25335,986

Item 1. Financial Statements.

FAQ

What is Republic Bancorp's financing receivable and net investment in lease excluding accrued interest before allowance for credit loss?
Republic Bancorp (RBCAA) reported financing receivable and net investment in lease excluding accrued interest before allowance for credit loss of $5.41B in Q2 2026.
How has Republic Bancorp's financing receivable and net investment in lease excluding accrued interest before allowance for credit loss changed year-over-year?
Republic Bancorp's financing receivable and net investment in lease excluding accrued interest before allowance for credit loss increased by 0.7% year-over-year, from $5.37B to $5.41B.
What is the long-term trend for Republic Bancorp's financing receivable and net investment in lease excluding accrued interest before allowance for credit loss?
Over 4 years (2021 to 2025), Republic Bancorp's financing receivable and net investment in lease excluding accrued interest before allowance for credit loss has grown at a 4.9% compound annual growth rate (CAGR), from $4.5B to $5.45B.
What does financing receivable and net investment in lease excluding accrued interest before allowance for credit loss mean?
This metric represents the gross carrying amount of all financing receivables and net investments in leases before accounting for any expected credit losses. It serves as a primary indicator of the total volume of credit extended to customers and the scale of the bank's lending operations. This figure is essential for evaluating the bank's asset growth and overall market exposure.

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