Republic Bancorp, Inc. (RBCAA) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 90.45M | 78.81M | 76.97M | 76.2M | 102.69M | 75.39M | 71.31M | 68.54M | 96.92M | 66.78M | 64.83M | 64.53M | 92.64M | 64.81M | 58.6M | 51.81M | 63.17M | 65.27M | 53.13M | 50.3M |
| NII Growth % | -11.92% | 4.53% | 7.94% | 11.19% | 5.95% | 12.9% | 10% | 6.21% | 4.62% | 3.04% | 10.63% | 24.54% | 46.66% | -0.7% | 10.29% | 3% | -6.81% | 18.41% | 2.08% | -2.91% |
| Net Interest Margin % | 1.25% | 1.12% | 1.1% | 1.09% | 1.45% | 1.1% | 1.07% | 1.04% | 1.41% | 1.01% | 1.02% | 1.01% | 1.53% | 1.11% | 0.98% | 0.85% | 0.99% | 1.07% | 0.86% | 0.81% |
| Interest Income | 113.79M | 103.23M | 103.24M | 102.2M | 129.84M | 103.11M | 101.55M | 97.7M | 130.63M | 90.78M | 85.87M | 79.05M | 100.36M | 68.25M | 60.62M | 52.9M | 64.11M | 65.99M | 54.47M | 51.81M |
| Interest Expense | 23.34M | 24.42M | 26.27M | 26M | 27.15M | 27.71M | 30.24M | 29.16M | 33.71M | 24M | 21.04M | 14.53M | 7.71M | 3.44M | 2.02M | 1.09M | 943K | 725K | 1.34M | 1.51M |
| Loan Loss Provision | 9.78M | 10.08M | 2.02M | 1.82M | 17.67M | 12.95M | 5.66M | 5.14M | 30.62M | 10.99M | 3.73M | 6.14M | 26.77M | 7.84M | 1.57M | 3.71M | 9.23M | 10.43M | 1.29M | -4.32M |
| Non-Interest Income | 25.33M | 15.46M | 14.93M | 16.16M | 31.52M | 12.52M | 15.27M | 16.93M | 22.07M | 13.57M | 12.77M | 18.3M | 21.18M | 12.03M | 13.89M | 16.3M | 29.89M | 35.61M | 17.55M | 20.36M |
| Non-Interest Income % | 18.21% | 13.02% | 12.63% | 13.65% | 19.53% | 10.83% | 13.07% | 14.77% | 14.46% | 13% | 12.94% | 18.8% | 17.43% | 14.98% | 18.64% | 23.56% | 31.8% | 35.05% | 24.37% | 28.21% |
| Total Revenue | 139.11M | 118.69M | 118.17M | 118.36M | 161.36M | 115.63M | 116.82M | 114.63M | 152.71M | 104.36M | 98.63M | 97.36M | 121.54M | 80.28M | 74.5M | 69.21M | 94M | 101.6M | 72.02M | 72.17M |
| Revenue Growth % | -13.78% | 2.65% | 1.15% | 3.25% | 5.66% | 10.81% | 18.44% | 17.75% | 25.65% | 29.99% | 32.39% | 40.67% | 29.29% | -20.99% | 3.45% | -4.11% | -3.54% | 37.1% | -3% | 1.07% |
| Non-Interest Expense | 50.61M | 56.59M | 52.11M | 50.15M | 56.57M | 51.92M | 47.07M | 48.22M | 49.67M | 45.84M | 46.79M | 50.18M | 50.94M | 43.81M | 44.95M | 33.39M | 47.46M | 51.06M | 43.16M | 44.43M |
| Efficiency Ratio | 36.38% | 47.68% | 44.1% | 42.37% | 35.06% | 44.9% | 40.29% | 42.07% | 32.53% | 43.93% | 47.44% | 51.55% | 41.92% | 54.57% | 60.33% | 48.25% | 50.49% | 50.25% | 59.93% | 61.55% |
| Operating Income | 55.38M | 27.59M | 37.76M | 40.39M | 59.96M | 23.05M | 33.85M | 32.1M | 38.7M | 23.52M | 27.07M | 26.51M | 36.11M | 25.19M | 25.97M | 31.02M | 36.37M | 39.39M | 26.23M | 30.56M |
| Operating Margin % | 39.81% | 23.25% | 31.96% | 34.12% | 37.16% | 19.93% | 28.98% | 28.01% | 25.34% | 22.54% | 27.45% | 27.23% | 29.71% | 31.37% | 34.85% | 44.82% | 38.69% | 38.77% | 36.42% | 42.34% |
| Operating Income Growth % | -7.63% | 19.72% | 11.56% | 25.81% | 54.94% | -1.99% | 25.03% | 21.11% | 7.16% | -6.62% | 4.26% | -14.55% | -0.7% | -36.06% | -1% | 1.51% | 7.78% | 66.69% | 20.15% | 37.61% |
| Pretax Income | 55.38M | 27.59M | 37.76M | 40.39M | 59.96M | 23.05M | 33.85M | 32.1M | 38.7M | 23.52M | 27.07M | 26.51M | 36.11M | 25.19M | 25.97M | 31.02M | 36.37M | 39.39M | 26.23M | 30.56M |
| Pretax Margin % | 39.81% | 23.25% | 31.96% | 34.12% | 37.16% | 19.93% | 28.98% | 28.01% | 25.34% | 22.54% | 27.45% | 27.23% | 29.71% | 31.37% | 34.85% | 44.82% | 38.69% | 38.77% | 36.42% | 42.34% |
| Income Tax | 12.82M | 4.77M | 8.02M | 8.91M | 12.69M | 4.03M | 7.31M | 6.9M | 8.09M | 3.86M | 5.5M | 5.46M | 8.02M | 5.39M | 6.07M | 6.67M | 8.02M | 7.84M | 6.22M | 6.64M |
| Effective Tax Rate % | 23.14% | 17.3% | 21.23% | 22.05% | 21.17% | 17.5% | 21.58% | 21.49% | 20.91% | 16.41% | 20.32% | 20.58% | 22.21% | 21.4% | 23.38% | 21.52% | 22.05% | 19.91% | 23.71% | 21.72% |
| Net Income | 42.57M | 22.82M | 29.74M | 31.48M | 47.27M | 19.02M | 26.54M | 25.21M | 30.61M | 19.66M | 21.57M | 21.05M | 28.09M | 19.8M | 19.9M | 24.35M | 28.35M | 16.8M | 20.01M | 23.92M |
| Net Margin % | 30.6% | 19.23% | 25.17% | 26.6% | 29.29% | 16.45% | 22.72% | 21.99% | 20.04% | 18.84% | 21.87% | 21.62% | 23.11% | 24.66% | 26.7% | 35.18% | 30.16% | 16.54% | 27.78% | 33.14% |
| Net Income Growth % | -9.94% | 20.01% | 12.06% | 24.91% | 54.44% | -3.27% | 23.05% | 19.73% | 8.95% | -0.69% | 8.42% | -13.53% | -0.91% | 17.8% | -0.56% | 1.78% | 8.82% | -17.44% | -1.86% | 51.37% |
| Net Income (Continuing) | 42.57M | 22.82M | 29.74M | 31.48M | 47.27M | 19.02M | 26.54M | 25.21M | 30.61M | 19.66M | 21.57M | 21.05M | 28.09M | 19.8M | 19.9M | 24.35M | 28.35M | 31.55M | 20.01M | 23.92M |
| EPS (Diluted) | 2.15 | 1.15 | 1.52 | 1.59 | 2.42 | 0.96 | 1.34 | 1.29 | 1.57 | 1.00 | 1.10 | 1.06 | 1.42 | 0.99 | 1.00 | 1.20 | 1.40 | 0.84 | 0.97 | 1.14 |
| EPS Growth % | -11.16% | 19.79% | 13.43% | 23.26% | 54.14% | -4% | 21.82% | 21.7% | 10.56% | 1.01% | 10% | -11.67% | 1.43% | 17.86% | 3.09% | 5.26% | 12.9% | -13.4% | 0% | 52% |
| EPS (Basic) | 2.15 | 1.16 | 1.53 | 1.62 | 2.43 | 0.97 | 1.37 | 1.30 | 1.58 | 1.00 | 1.11 | 1.06 | 1.42 | 0.99 | 1.00 | 1.20 | 1.41 | 0.84 | 0.98 | 1.16 |
| Diluted Shares Outstanding | 19.83M | 19.8M | 19.79M | 19.8M | 19.8M | 19.78M | 19.73M | 19.52M | 19.5M | 19.67M | 19.58M | 19.91M | 19.79M | 19.98M | 19.98M | 20.17M | 20.23M | 20.38M | 20.59M | 20.95M |