Republic Bancorp/$RBCAA

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About Republic Bancorp

Republic Bancorp Inc operates as a financial institution that provides both traditional and non-traditional banking products through five reportable segments. It has traditional banking which generates the majority of revenue, Warehouse Lending, Tax Refund Solutions (TRS), Republic Payment Solutions segment, and Republic Credit Solutions (RCS) business segments. The business activities of these segments include retail mortgage and commercial lending, construction and land development lending, internet lending, correspondent and indirect lending and also private banking, treasury management services, internet, and mobile banking, bank acquisitions, short-term revolving credit facilities, fixed-term residential real estate loans and receipt and payment of federal.

Ticker

$RBCAA
Sector
Primary listing

Employees

989

Republic Bancorp Metrics

BasicAdvanced
$1.5B
12.07
$6.28
0.57
$1.72
2.38%

What the Analysts think about Republic Bancorp

Analyst ratings (Buy, Hold, Sell) for Republic Bancorp stock.

Bulls say / Bears say

Republic Bancorp posted Q1 2025 net income of $47.3 million, rising 54% year-over-year, reflecting strong net interest margin growth and lower credit provisions (NASDAQ).
In Q2 2025, the bank reported net income of $31.5 million and diluted EPS of $1.61, up 25% and 24% respectively, topping prior-year figures despite a difficult rate environment (NASDAQ).
Core Bank net interest margin expanded from 3.46% in Q2 2024 to 3.72% in Q2 2025, driven by effective deposit cost control and disciplined pricing (NASDAQ).
Noninterest-bearing deposits decreased by $29 million in Q2 2025, indicating possible pressure on low-cost funding as customers move to higher-yield deposit products (NASDAQ).
Noninterest expenses jumped by $8.5 million in Q1 2025, including $5.7 million in core system deconversion and consulting fees, which could impact future operating leverage (NASDAQ).
Management pointed to ongoing global tariff uncertainty as a concern for the broader U.S. economy, underscoring vulnerability to macroeconomic headwinds (NASDAQ).
Data summarised monthly by Lightyear AI. Last updated on 2 Sept 2025.

Republic Bancorp Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

Republic Bancorp Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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Sept19
Republic Bancorp
DividendEx-dividend
Oct17
Republic Bancorp
DividendPayment
$0.451Per share
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