Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
-2.62%
$89.42
0% positive prob.
5-Day Prediction
-2.94%
$89.12
0% positive prob.
20-Day Prediction
-0.46%
$91.40
0% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | SELL | -2.62% | -2.94% | -0.46% | 100.0% | Pending |
| 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
Oct 23, 2026 · 100% conf.
1D
-2.62%
$89.42
5D
-2.94%
$89.12
20D
-0.46%
$91.40
2 rbcaa-ex99d1.htm
3Q
Exhibit 99.1
Republic Bancorp Reports Solid Third Quarter Results
Highlighted by Continued Strong Core Banking Net Interest Income Expansion
LOUISVILLE, Ky.--(BUSINESS WIRE)—October 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 third quarter 2026 net income and Diluted Earnings per Class A Common Share (“Diluted EPS”) of $31.1 million and $1.59, representing increases of 4% and 5% from the $29.7 million and $1.52 reported for the third quarter of 2025. As a result, the Company achieved a return on average assets (“ROA”) and a return on average equity (“ROE”) of 1.74% and 10.48% for the third quarter of 2026.
Logan Pichel, President and Chief Executive Officer of the Bank, commented, “Republic delivered another quarter of solid financial performance, reflecting the strength, consistency and earnings power of our Core Banking(1) franchise. Our Core Bank’s outstanding financial performance was driven by strong loan growth across our core markets and lending categories, combined with net interest income expansion, disciplined expense management, and solid credit quality. Our relationship-driven business model, exceptional client engagement, and consistent execution continue to differentiate Republic and position us for sustained success. As we enter the final quarter of the year, we remain well-positioned to capitalize on growth opportunities, deepen client relationships, and build on this momentum as we work toward another year of exceptional financial performance.
Despite operating in a lower-rate environment for most of the past year, our Core Banking segment increased its third quarter 2026 net interest income by $4.8 million, or 8%, over the third quarter of 2025, while expanding its net interest margin 25 basis points to 4.03%. These results reflected lower funding costs, a favorable shift in earning assets, disciplined pricing actions, and proactive balance sheet management.
On September 16, 2026, the Federal Reserve increased the Federal Funds Target Rate by 25 basis points to a range of 3.75%-4.00%, marking its first rate increase since July 2023 and the first monetary policy change since December 2025. This return to a tightening cycle reinforces the importance of strong balance sheet management and effective pricing execution. Based on the Company’s current interest rate risk position, we believe the higher-rate environment will provide incremental growth to our Core Bank’s net interest income over the near-term.
During the third quarter, we began realizing the benefits of a new Republic Payment Solutions (“RPS”)(1) program launched late in the second quarter, following several years of strategic planning and successful cross-functional execution. The program generated approximately $180 million of lower-cost average deposits during the quarter, enhancing liquidity, diversifying our funding base, favorably lowering our loan-to-deposit ratio, and contributing incremental fee income.
In addition to our strong financial performance, Republic was recognized during the third quarter as one of Bank Director’s Top 25 publicly traded banks for the second consecutive year, based on profitability, capital adequacy, and credit quality. The ranking evaluated approximately 300 publicly traded U.S. banks with assets exceeding $2 billion using year end 2025 financial data. This recognition reflects the dedication of our associates, the loyalty of our clients, and our longstanding commitment to disciplined execution and sound risk management.”
Pichel concluded, “Our third-quarter results reflect the strength of Republic’s franchise, the resilience of our business model, and the disciplined execution of our long-term strategy. Strong organic loan growth, expanding net interest income, and the successful launch of our new RPS program demonstrate our ability to generate high-quality earnings and create value across market cycles. These achievements would not be possible without the dedication, talent, and commitment of our exceptional associates, whose efforts continue to drive our success and distinguish Republic in the markets we serve. As we approach 2027, we are well-positioned to capitalize on growth opportunities, navigate an evolving economic environment, and deliver sustainable long-term value for our shareholders, clients, and communities.”
The following table highlights key metrics for the three and nine months ended September 30, 2026 and 2025. Additional financial information, including segment-level results, is provided in the financial supplement accompanying this release. The digital version of this release includes the supplement as an appendix, and it is also available as Exhibit 99.2 to the Company’s Form 8-K filed with the SEC on October 23, 2026
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)
-
-
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.