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Republic Bancorp RBCAA Core Banking Activities — Noninterest Income

Other segment segments

Tax Refund Solutions
$3.25M+19.2%
Republic Payment Solutions
$744K+1.1%
Warehouse Lending
$23K0.0%

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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:NoninterestIncome.

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
(dollars in thousands)Core Banking / Traditional / BankingCore Banking / Warehouse / LendingCore Banking / Total / Core / BankingRepublic Processing Group / Tax / Refund / SolutionsRepublic Processing Group / Republic / Payment / SolutionsRepublic Processing Group / Republic / Credit / SolutionsRepublic Processing Group / Total / RPGTotal / Company
Interchange fee income3,5903,59033333,623
Program fees (1)7434,3155,0585,058
Increase in cash surrender value of BOLI (1)943943943
Net losses on other real estate owned(41)(41)(41)
Other90790744911
Total noninterest income11,2422311,2653,2457444,3158,30419,569
Total net revenue$71,617$3,767$75,384$3,272$3,750$18,865$25,887$101,271
Net-revenue concentration (2)70%4%74%3%4%19%26%100%

Item 1. Financial Statements.

FAQ

What is Republic Bancorp's core banking activities — noninterest income?
Republic Bancorp (RBCAA) reported core banking activities — noninterest income of $11.27M in Q2 2026.
How has Republic Bancorp's core banking activities — noninterest income changed year-over-year?
Republic Bancorp's core banking activities — noninterest income increased by 7.6% year-over-year, from $10.47M to $11.27M.
What is the long-term trend for Republic Bancorp's core banking activities — noninterest income?
Over 4 years (2021 to 2025), Republic Bancorp's core banking activities — noninterest income has grown at a -2.3% compound annual growth rate (CAGR), from $51.73M to $47.12M.
What does core banking activities — noninterest income mean?
Total revenue generated from sources other than interest-earning assets, such as service charges, fees, and gains on asset sales. This metric measures the bank's ability to diversify its revenue streams beyond traditional lending. A robust noninterest income base reduces reliance on interest rate fluctuations.

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