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Republic Bancorp RBCAA Warehouse Lending — Communications And Information Technology

Other segment segments

Tax Refund Solutions
$81K-38.6%
Republic Payment Solutions
$20K-25.9%

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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:CommunicationsAndInformationTechnology.

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
Other noninterest income (1)9,443239,466371389,504
Total noninterest income11,2422311,2653,2457444,3158,30419,569
Salaries and employee benefits26,00075426,7541,7171,1241,3484,18930,943
Technology, equipment, and communication7,427467,47381201,1121,2138,686
Occupancy3,358303,3886156723,460
Marketing and development1,3741,374341,6891,7233,097
Other noninterest expense (2)6,7191576,8762071441515027,378
Total noninterest expense44,87898745,8652,1001,2934,3067,69953,564

Item 1. Financial Statements.

FAQ

What is Republic Bancorp's warehouse lending — communications and information technology?
Republic Bancorp (RBCAA) reported warehouse lending — communications and information technology of $46K in Q2 2026.
How has Republic Bancorp's warehouse lending — communications and information technology changed year-over-year?
Republic Bancorp's warehouse lending — communications and information technology increased by 2.2% year-over-year, from $45K to $46K.
What is the long-term trend for Republic Bancorp's warehouse lending — communications and information technology?
Over 3 years (2022 to 2025), Republic Bancorp's warehouse lending — communications and information technology has grown at a -4.9% compound annual growth rate (CAGR), from $200K to $172K.
What does warehouse lending — communications and information technology mean?
Represents the total costs incurred for telecommunications, software licensing, and IT infrastructure maintenance within the warehouse lending segment. This metric reflects the operational investment required to support digital lending platforms and secure data processing for mortgage warehouse activities.

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