Republic Bancorp (RBCAA)
Runs branch banking, warehouse lending, tax-refund products, payments, and small-dollar credit.
$93.72
After hours−0.12 (−0.13%)
At close$93.84(+0.08%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 99 | 104 | 153 | 115 | 117 | 116 | 161 | 118 | 118 | 119 | 139 | 129 |
| Cost of revenue | 25 | 35 | 64 | 34 | 36 | 41 | 45 | 28 | 28 | 35 | 33 | 26 |
| Gross profit | 74 | 69 | 88 | 80 | 81 | 75 | 117 | 91 | 90 | 84 | 106 | 103 |
| 47 | 46 | 50 | 48 | 47 | 52 | 57 | 50 | 52 | 57 | 51 | 54 | |
| 31 | 29 | 32 | 33 | 32 | 35 | 33 | 33 | 34 | 40 | 36 | 46 | |
| Selling & marketing | 2 | 2 | 2 | 3 | 2 | 3 | 1 | 1 | 3 | 2 | 0 | 3 |
| General & administrative | 29 | 27 | 30 | 30 | 30 | 32 | 32 | 32 | 32 | 38 | 36 | 43 |
| Other expenses | 15 | 16 | 17 | 16 | 16 | 17 | 23 | 17 | 18 | 16 | 15 | 7 |
| Operating income | 27 | 24 | 39 | 32 | 34 | 23 | 60 | 40 | 38 | 28 | 55 | 49 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −7 | |
| Interest income | 86 | 91 | 131 | 98 | 102 | 103 | 130 | 102 | 103 | 103 | 114 | 103 |
| Interest expense | 21 | 24 | 34 | 29 | 30 | 28 | 27 | 26 | 26 | 24 | 23 | 21 |
| Income before tax | 27 | 24 | 39 | 32 | 34 | 23 | 60 | 40 | 38 | 28 | 55 | 43 |
| Income tax expense | 6 | 4 | 8 | 7 | 7 | 4 | 13 | 9 | 8 | 5 | 13 | 10 |
| Net income from continuing operations | 22 | 20 | 31 | 25 | 27 | 19 | 47 | 31 | 30 | 23 | 43 | 33 |
| Net income | 22 | 20 | 31 | 25 | 27 | 19 | 47 | 31 | 30 | 23 | 43 | 33 |
| EPS, basic | $1.11 | $1.00 | $1.58 | $1.30 | $1.37 | $0.97 | $2.43 | $1.62 | $1.53 | $1.16 | $2.15 | $1.66 |
| EPS, diluted | $1.10 | $1.00 | $1.57 | $1.29 | $1.34 | $0.96 | $2.42 | $1.59 | $1.52 | $1.15 | $2.15 | $1.65 |
| Weighted average shares, basic | 20 | 20 | 19 | 19 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 |
| Weighted average shares, diluted | 20 | 20 | 19 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 | 20 |
| EBITDA | 31 | 32 | 43 | 36 | 37 | 27 | 64 | 44 | 41 | 31 | 59 | 49 |
| Depreciation & amortization | 4 | 9 | 4 | 4 | 3 | 4 | 4 | 4 | 4 | 4 | 4 | 0 |
| EBIT | 27 | 24 | 39 | 32 | 34 | 23 | 60 | 40 | 38 | 28 | 55 | 49 |
