# Republic Bancorp (RBCAA) — Earnings

RBCAA · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/rbcaa/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| Fiscal period | Q4 2025 |
| Period end | Dec 31, 2025 |
| EPS actual | $1.17 |
| EPS estimate | $1.32 |
| EPS surprise | −11.36% |
| Revenue surprise | −19.61% |
| Revenue | $74.4M |
| Revenue estimate | $92.5M |
| Reported | Jan 30, 2026 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/921557/000110465926008308/rbcaa-20260130x8k.htm) |

Republic Bancorp reported Q4 2025 results on January 30, 2026. Earnings per share were $1.17, below the $1.32 estimate by 11.36%. Revenue was $74.4 million, about 20% under the $92.5 million consensus. Compared with Q4 2024, EPS rose about 19% from $0.98, while revenue fell about 17% from $89.5 million.

The bank was profitable in every quarter in the table. Full-year EPS was $3.97 in 2021, $4.53 in 2022, $4.60 in 2023 and $5.23 in 2024. The first quarter brought the highest revenue of each year shown, and Q1 2025 set the table's highs at $2.42 per share and $130.2 million. The table has no Q3 2025 row, so no full-year 2025 total can be drawn from it. Over the 20 quarters shown, Republic beat the EPS estimate 12 times, missed 7 times and matched it once.

The table ends with the January 2026 report and has no rows yet for Q1 or Q2 2026. In past years, Q3 results came out between October 18 and October 22, which points to the second half of October 2026 for a third-quarter report. Newer figures will show whether the revenue shortfall against estimates seen in Q4 2025 persists.

## Earnings history

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q4 2025 | Jan 30, 2026 | $1.32 | $1.17 | -11.36% | $92.5M | $74.4M |
| Q2 2025 | Jul 18, 2025 | $1.44 | $1.61 | 12.16% | $93.3M | $93.8M |
| Q1 2025 | Apr 24, 2025 | $1.86 | $2.42 | 30.11% | $126.9M | $130.2M |
| Q4 2024 | Jan 24, 2025 | $1.20 | $0.98 | -18.33% | $87.2M | $89.5M |
| Q3 2024 | Oct 18, 2024 | $1.21 | $1.37 | 13.22% | $82.6M | $88.1M |
| Q2 2024 | Jul 19, 2024 | $1.33 | $1.30 | -2.26% | $85.1M | $86.9M |
| Q1 2024 | Apr 25, 2024 | $1.63 | $1.58 | -3.07% | $119.2M | $121.3M |
| Q4 2023 | Jan 26, 2024 | $0.73 | $1.01 | 38.36% | $78.7M | $81.1M |
| Q3 2023 | Oct 20, 2023 | $0.98 | $1.10 | 12.24% | $78.5M | — |
| Q2 2023 | Jul 21, 2023 | $1.15 | $1.07 | -6.55% | $80.1M | $82.5M |
| Q1 2023 | Apr 20, 2023 | $1.76 | $1.42 | -19.09% | $119.9M | $115.3M |
| Q4 2022 | Jan 27, 2023 | $0.94 | $0.94 | 0.00% | $73.7M | $76.2M |
| Q3 2022 | Oct 21, 2022 | $0.74 | $0.99 | 34.69% | $68.0M | $72.8M |
| Q2 2022 | Jul 22, 2022 | $1.11 | $1.20 | 8.60% | $71.4M | $68.9M |
| Q1 2022 | Apr 21, 2022 | $1.22 | $1.40 | 15.23% | $94.3M | $88.7M |
| Q4 2021 | Jan 28, 2022 | $0.80 | $0.84 | 5.00% | $62.5M | $66.5M |
| Q3 2021 | Oct 22, 2021 | $0.90 | $0.99 | 10.00% | $65.6M | — |
| Q2 2021 | Jul 23, 2021 | $1.11 | $1.16 | 4.50% | $77.3M | $65.0M |
| Q1 2021 | Apr 22, 2021 | $1.80 | $0.98 | -45.56% | $110.4M | $96.8M |
| Q4 2020 | Jan 29, 2021 | $0.74 | $0.98 | 32.43% | $70.4M | $64.5M |

## Frequently Asked Questions

### When did Republic Bancorp (RBCAA) last report earnings?

Republic Bancorp last reported on Jan 30, 2026, covering fiscal Q4 2025.

### Did RBCAA beat earnings estimates?

No. Republic Bancorp reported EPS of $1.17 for Q4 2025 against a $1.32 estimate — a 11.36% miss.

### How much revenue did RBCAA report last quarter?

Republic Bancorp reported $74.4M in revenue for Q4 2025, against a consensus estimate of $92.5M.

## Similar Stocks

- [THFF](https://www.lighthorse.io/tickers/thff) — First Financial Corporation  - Common Stock
- [CTBI](https://www.lighthorse.io/tickers/ctbi) — Community Trust Bancorp, Inc. - Common Stock
- [FCBC](https://www.lighthorse.io/tickers/fcbc) — First Community Bankshares, Inc. - Common Stock
- [GSBC](https://www.lighthorse.io/tickers/gsbc) — Great Southern Bancorp, Inc. - Common Stock
- [UCB](https://www.lighthorse.io/tickers/ucb) — United Community Banks, Inc. Common Stock
- [FMBH](https://www.lighthorse.io/tickers/fmbh) — First Mid Bancshares, Inc. - Common Stock
- [BUSE](https://www.lighthorse.io/tickers/buse) — First Busey Corporation - Common Stock
- [MBWM](https://www.lighthorse.io/tickers/mbwm) — Mercantile Bank Corporation - Common Stock
- [TMP](https://www.lighthorse.io/tickers/tmp) — Tompkins Financial Corporation Common Stock
- [TOWN](https://www.lighthorse.io/tickers/town) — Towne Bank - Common Stock

---

Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

This page is for informational purposes only. Nothing on it is a recommendation, solicitation or offer to buy or sell any security, nor investment, legal or tax advice. Light Horse Securities Inc does not verify third-party data and is not responsible for its accuracy, completeness or timeliness.

Data provided by [AInvest](https://www.ainvest.com).