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Republic Bancorp RBCAA Republic Payment Solutions — Interest Income Expense Net

Other segment segments

Warehouse Lending
$3.74M+5.5%
Tax Refund Solutions
$27K-56.5%

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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: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
(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
Net interest income (1)$60,375$3,744$64,119$27$3,006$14,550$17,583$81,702
Noninterest income:
Service charges on deposit accounts4,044234,067114,068
Net refund transfer fees3,2083,2083,208
Mortgage banking income (1)1,7991,7991,799
Interchange fee income3,5903,59033333,623
Program fees (1)7434,3155,0585,058
Increase in cash surrender value of BOLI (1)943943943

Item 1. Financial Statements.

FAQ

What is Republic Bancorp's republic payment solutions — interest income expense net?
Republic Bancorp (RBCAA) reported republic payment solutions — interest income expense net of $3.01M in Q2 2026.
How has Republic Bancorp's republic payment solutions — interest income expense net changed year-over-year?
Republic Bancorp's republic payment solutions — interest income expense net decreased by 15.6% year-over-year, from $3.56M to $3.01M.
What is the long-term trend for Republic Bancorp's republic payment solutions — interest income expense net?
Over 4 years (2021 to 2025), Republic Bancorp's republic payment solutions — interest income expense net has grown at a 30.1% compound annual growth rate (CAGR), from $4.82M to $13.81M.
What does republic payment solutions — interest income expense net mean?
This represents the net interest spread generated by the payment solutions segment after accounting for interest-bearing liabilities. It reflects the profitability of the segment's core lending or deposit-based activities within the broader payment ecosystem.

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