Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+1.23%
$94.78
100% positive prob.
5-Day Prediction
+5.29%
$98.58
100% positive prob.
20-Day Prediction
+2.14%
$95.63
95% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q2 2026 | BUY | +1.23% | +5.29% | +2.14% | 100.0% | +6.31% |
| Q1 2026 | SELL | -2.41% | -3.11% | -0.91% | 100.0% | -1.42% |
| Q4 2025 | BUY | +1.36% | +6.04% | +3.45% | 100.0% | +1.55% |
SEC 8-K filings with transcript text
Jul 24, 2026 · 100% conf.
1D
+1.23%
$94.78
Act: +3.63%
5D
+5.29%
$98.58
Act: +6.31%
20D
+2.14%
$95.63
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Apr 23, 2026 · 100% conf.
1D
-2.41%
$74.97
Act: -4.66%
5D
-3.11%
$74.43
Act: -1.42%
20D
-0.91%
$76.12
Act: +3.55%
2 rbcaa-20260423xex99d1.htm
3Q
Exhibit 99.1
Republic Bancorp Reports Solid First Quarter Results
Highlighted by Strong Core Bank Net Interest Income Expansion
LOUISVILLE, Ky.--(BUSINESS WIRE)--April 23, 2026--Republic Bancorp, Inc. (NASDAQ: RBCAA), headquartered in Louisville, Kentucky, is the holding company of Republic Bank & Trust Company (the “Bank”).
Republic Bancorp, Inc. (“Republic” or the “Company”) reported first quarter 2026 net income and Diluted Earnings per Class A Common Share (“Diluted EPS”) of $42.6 million and $2.18 per share.
Logan Pichel, President and Chief Executive Officer of the Bank, commented, “We delivered a strong start to 2026, achieving net income of $42.6 million, due largely to the solid underlying performance of our Core Banking franchise. Strong Traditional Banking and Warehouse Lending results, combined with disciplined balance sheet management, net interest income growth, and continued net interest margin resilience, more than offset the expected headwinds associated with the nonrenewal of a large Tax Refund Solutions (“TRS”) Tax Provider contract. Comparability between the two first-quarter periods was significantly impacted by several nonrecurring or infrequent items, both favorable and unfavorable. These items, net of income taxes, were as follows:
(i)a $4.4 million after-tax favorable impact from the 2026 gain on sale of Republic Bank Finance (“RBF”);
(ii)a $1.8 million after-tax unfavorable impact from a 2026 penalty incurred in connection with the strategic early payoff of long-term Federal Home Loan Bank (“FHLB”) advances;
(iii)a $8.4 million after-tax unfavorable impact in 2026 associated with the nonrenewal of a large TRS Tax Provider contract;
(iv)a $3.3 million after-tax unfavorable impact for a 2025 gain on sale of Visa Class B-1 common shares;
(v)a $1.3 million after-tax unfavorable impact related to a 2025 insurance recovery; and
(vi)a $4.6 million after-tax favorable impact related to the 2025 core system deconversion and related consulting fees.”
The following table illustrates the Total Company(1), Core Bank, and Republic Processing Group (“RPG”) actual and adjusted net income (non-GAAP) results for the first quarters of 2026 and 2025. Adjusted net income reflects management’s internal view of the Company’s operating performance.
Total Company Net Income
Total Company Diluted Earnings Per Class A Common Share
Three Months Ended Mar. 31,
$
%
Three Months Ended Mar. 31,
$
%
(dollars in thousands, except per share data)
2026
2025
Change
Change
2026
2025
Change
Change
Net Income, As Reported (GAAP)
$
42,569
$
47,268
$
(4,699)
(10)
%
$
2.18
$
2.42
$
(0.24)
(10)
%
Gain on sale of Republic Bank Finance, net of tax
(4,435)
-
(4,435)
-
(0.24)
-
(0.24)
-
Early Termination Penalty - FHLB Advances, net of tax
1,757
-
1,757
-
0.10
-
0.10
-
Nonrenewal of a Large Tax Provider Contract, net of tax
-
(8,438)
8,438
-
-
(0.44)
0.44
-
Gain on sale of Visa Class B-1 shares, net of tax
-
(3,287)
3,287
-
-
(0.17)
0.17
-
Insurance Recovery, net of tax
-
(1,263)
1,263
-
-
(0.06)
0.06
-
Core System Deconversion and Consulting Fees, net of tax
-
4,593
(4,593)
-
-
0.24
(0.24)
-
Adjusted Net Income (Non-GAAP)
$
39,891
$
38,873
$
1,018
3
%
$
2.04
$
1.99
$
0.05
3
%
Core Bank Net Income
Republic Processing Group Net Income
Three Months Ended Mar. 31,
$
%
Three Months Ended Mar. 31,
$
%
(dollars in thousands, except per share data)
2026
2025
Change
Change
2026
2025
Change
Change
Net Income, As Reported (GAAP)
$
23,759
$
17,361
$
6,398
37
%
$
18,810
$
29,907
$
(11,097)
(37)
%
Gain on sale of Republic Bank Finance, net of tax
(4,435)
-
(4,435)
-
-
Jan 30, 2026 · 100% conf.
1D
+1.36%
$74.02
Act: +0.55%
5D
+6.04%
$77.43
Act: +1.55%
20D
+3.45%
$75.54
REPUBLIC BANCORP, INC._January 30, 2026 0000921557false00009215572026-01-302026-01-30
Washington, D.C. 20549
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): January 30, 2026
(Exact name of registrant as specified in its charter)
Kentucky 0-24649 61-0862051
(State or other jurisdiction (Commission File Number) (I.R.S. Employer Identification No.)
of incorporation)
601 West Market Street, Louisville, Kentucky 40202
(Address of principal executive offices) (zip code)
Registrant’s telephone number, including area code: (502) 584-3600
(Former Name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:
Title of each class Trading Symbol Name of each exchange on which registered
Class A Common
The Nasdaq Stock Market
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02. Results of Operations and Financial Condition. On January 30, 2026, Republic Bancorp, Inc. announced its results of operations for the quarter ended December 31, 2025. The public announcement was made by means of an earnings release, the text of which is set forth in Exhibit 99.1 hereto. A financial supplement to this earnings release is attached as Exhibit 99.2 hereto. Item 9.01.Financial Statements and Exhibits.
(d) Exhibits.
Exhibit No.
99.1 Republic Bancorp, Inc. Earnings Release dated January 30, 2026.
99.2 Earnings Release Financial Supplement – Fourth Quarter 2025.
104 Cover Page Interactive Data File (embedded within the inline XBRL document)
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Republic Bancorp, Inc.
(Registrant)
Date: January 30, 2026 By: /s/ Kevin Sipes
Executive Vice President, Chief Financial Officer & Chief Accounting Officer
2
This page provides Republic Bancorp Inc. (RBCAA) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on RBCAA's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.