RBCAA

As the Q2 earnings season comes to a close, it’s time to take stock of this quarter’s best and worst performers in the regional banks industry, including Republic Bancorp (NASDAQ:RBCAA) and its peers. Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges. The 94 regional banks stocks we track reported a mixed Q2. As a group, revenues were in line with analysts’ consensus estimates. While some regional banks stocks have fared somewhat better than others, they have collectively declined. On average, share prices are down 1.7% since the latest earnings results. With roots dating back to 1974 and operating across multiple states including Kentucky, Indiana, Florida, Ohio, and Tennessee, Republic Bancorp (NASDAQGS:RBCA.A) is a Kentucky-based financial holding company that operates a bank offering traditional banking, mortgage services, and specialized financial products. Republic Bancorp reported revenues of $96.11 million, up 4.4% year on year. This print fell short of analysts’ expectations by 1.5%. Overall, it was a mixed quarter for the company with a decent beat of analysts’ net interest income estimates. Interestingly, the stock is up 5.4% since reporting and currently trades at $95.67. Read our full report on Republic Bancorp here, it’s free. Originally founded in 1964 as a federal savings and loan institution, OFG Bancorp (NYSE:OFG) provides banking and financial services including commercial and consumer lending, wealth management, insurance, and trust services primarily in Puerto Rico and the U.S. Virgin Islands. OFG Bancorp reported revenues of $190.3 million, up 4.4% year on year, outperforming analysts’ expectations by 3.9%. The business had an exceptional quarter with a beat of analysts’ EPS estimates and a solid beat of analysts’ net interest income estimates. The market seems happy with the results as the stock is up 5.2% since reporting. It currently trades at $52.59. Is now the time to buy OFG Bancorp? Access our full analysis of the earnings results here, it’s free. Originally established in 1941 and now operating with a tech-forward approach that includes its SmartStreet platform for homeowner associations, Banc of California (NYSE:BANC) is a California-based bank holding company that provides banking services to small and middle-market businesses, entrepreneurs, and individuals. Banc of California reported revenues of $285.7 million, up 4.7% year on year, falling short of analysts’ expectations by 3.1%. It was a disappointing quarter as it posted a significant miss of analysts’ tangible book value per share estimates and a significant miss of analysts’ net interest income estimates. As expected, the stock is down 12.1% since the results and currently trades at $18.63. Read our full analysis of Banc of California’s results here. Founded in 1991 with a focus on serving the Pacific Rim community in Southern California, Preferred Bank (NASDAQ:PFBC) is a commercial bank that provides banking products and services to small and mid-sized businesses, entrepreneurs, real estate developers, and high net worth individuals. Preferred Bank reported revenues of $73.47 million, up 4% year on year. This result was in line with analysts’ expectations. Zooming out, it was a mixed quarter as it also recorded a narrow beat of analysts’ net interest income estimates but a narrow beat of analysts’ EPS estimates. The stock is down 3.3% since reporting and currently trades at $102.49. Read our full, actionable report on Preferred Bank here, it’s free. Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp (NASDAQ:TBBK) is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products. The Bancorp reported revenues of $163.6 million, down 9.8% year on year. This number missed analysts’ expectations by 12.9%. Overall, it was a slower quarter as it also produced tangible book value per share in line with analysts’ estimates. The Bancorp had the slowest revenue growth among its peers. The stock is down 12.4% since reporting and currently trades at $56.77. Read our full, actionable report on The Bancorp here, it’s free. Over the past year, investors have been forced to repeatedly answer the same question: what is the market’s biggest risk? The answer has changed several times, and each shift has reshaped market leadership. Late in 2025 and early 2026, artificial intelligence became the market’s primary uncertainty. Investors questioned whether AI would erode software pricing power and weaken competitive moats as AI made it easier to replicate once-differentiated products. By the spring, technology took a back seat to geopolitics. The U.S. conflict with Iran briefly became the market’s dominant narrative, raising concerns about oil prices, inflation, and global growth. But as energy markets remained orderly and fears of a prolonged supply disruption faded, investors quickly turned their focus back to fundamentals. Want to invest in winners with rock-solid fundamentals? Check out our Hidden Gem Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate.

Find your next quality investment with Simply Wall St's easy and powerful screener, trusted by over 7 million individual investors worldwide. After a 121.6% total return over the past five years, Republic Bancorp no longer looks like an obvious bargain, with the intrinsic value estimate from the Excess Returns model sitting close to the current share price, while traditional earnings multiples lean toward the stock being priced on the expensive side. Over five years, Republic Bancorp has delivered a 121.6% total shareholder return, which puts current buyers in the position of judging whether that strong run leaves much value still on the table. For a regional bank like Republic Bancorp, expectations around steady loan growth and credit quality can support current pricing, while any pressure on margins or a deterioration in asset quality may weigh heavily on what investors are willing to pay. With a value score of 1 out of 6, Republic Bancorp screens as leaning expensive rather than a clear bargain on the broader valuation checks. The issue now is whether Republic Bancorp's recent share price strength is simply catching up to a fair intrinsic value, or starting to build in expectations that are hard to justify. Republic Bancorp delivered 33.1% returns over the last year. See how this stacks up to the rest of the Banks industry. The Excess Returns model looks at how much value Republic Bancorp creates above the cost of its equity capital. For this stock, the model starts from a Book Value of $57.78 per share and a Stable EPS of $5.21 per share, both anchored on median figures from the past five years. With an Average Return on Equity of 10.28% and a Cost of Equity translated into $3.60 per share, the Excess Return comes out at $1.61 per share, which supports a Stable Book Value of $50.70 per share in the model. When these excess profits are projected forward and discounted, the framework points to an intrinsic value of about $95.82 per share, only slightly above the current share price. This implies the stock is roughly 2.3% below that estimate. On this model, Republic Bancorp appears to be roughly fairly valued, with only a small gap between the intrinsic value estimate and where the stock currently trades. Republic Bancorp is fairly valued according to our Excess Returns, but this can change at a moment's notice. Track the value in your watchlist or portfolio and be alerted on when to act. Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Republic Bancorp. The P/E ratio is a useful guide for Republic Bancorp because earnings are a key driver of how investors value bank stocks. Right now, Republic Bancorp trades at about 14.4x earnings, compared with an industry average of roughly 11.9x and a peer group average of about 12.5x, so the stock carries a clear earnings premium relative to many other banks. The fair P/E ratio implied by the broader checks is around 11.3x, which sits below Republic Bancorp's current multiple. That gap suggests investors are paying up versus what the model points to as a more balanced level, given the company’s characteristics and sector risks. On this metric, the stock does not screen as a bargain compared with banks generally or with its closer peers. Taken together, the P/E comparison indicates Republic Bancorp appears expensive on earnings relative to both its fair ratio and the wider banking sector. See what the numbers say about this price — find out in our valuation breakdown. Simply Wall St Narratives for Republic Bancorp pick up where the valuation checks stop by setting out the specific growth, margin and earnings paths that would need to hold for the stock to be worth materially more or less than today’s price, and they sit on the company’s Community page. Where a single ratio or model gives you one number, these narratives unpack the future behind it so you can see over time whether those assumptions are playing out. If you have a number driven view on where Republic Bancorp's growth, margins and execution go from here, consider sharing a Narrative to put your case on the record and see how it stacks up as new information arrives. Adding your perspective now can help shape how other investors think about Republic Bancorp's risk and reward trade off over time. Do you think there's more to the story for Republic Bancorp? Head over to our Community to see what others are saying! For Republic Bancorp, the Excess Returns intrinsic value estimate sits only slightly above the share price, which points to a stock that does not screen as meaningfully mispriced on that framework. The P/E check instead flags Republic Bancorp as overvalued relative to sector peers, and the low value score reinforces that broader screens are not flashing cheap. The real question from here is whether the stock’s earnings and perceived resilience can keep justifying a premium multiple, or whether sentiment cools and brings the valuation closer to typical regional bank levels. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include RBCAA. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Track your investments for FREE with Simply Wall St, the portfolio command center trusted by over 7 million individual investors worldwide. Republic Bancorp (RBCA.A) recently reported second quarter results that showed net interest income of US$81.7 million and net income of US$32.87 million, compared with US$76.2 million and US$31.48 million a year earlier. Alongside this, the company shared six month figures and confirmed upcoming leadership changes and a cash dividend, providing investors with several fresh data points to assess how the business and the stock are positioned today. See our latest analysis for Republic Bancorp. Republic Bancorp’s recent earnings update has arrived alongside a strong share price run, with a 24.61% 90 day share price return and a 37.67% year to date share price return. The 5 year total shareholder return of 121.64% points to substantial longer term gains and suggests investors have been reassessing both the company’s earnings profile and its risk outlook following the latest results, leadership transition and dividend confirmation. If these results have you thinking about what else might be gaining traction, it could be a good moment to scan for other opportunities through the 18 top founder-led companies Republic Bancorp appears to be a solid, diversified bank with recent earnings support and a strong share price run. However, after such a move and with a value score of 1, it is worth asking whether the stock is still priced attractively today. Republic Bancorp is currently trading on a P/E of 14.4x, which sits above both its peer group at 12.5x and the broader US Banks industry at 11.9x, even though the SWS fair P/E for the stock is estimated at 11.3x. The P/E ratio compares the company’s share price with its earnings per share and is a common way to see how much investors are paying for each dollar of Republic Bancorp's profits. For a bank with a 2.6% forecast earnings growth rate and a Return on Equity of 11.1%, a higher than peer P/E suggests the market is attaching a premium to its earnings stream, even though forecast growth is slower than both the US market and the wider Banks industry. Compared with other US banks, Republic Bancorp looks clearly more expensive on earnings, with its 14.4x P/E above both the 12.5x peer average and the 11.9x industry average. Against the estimated fair P/E of 11.3x, the current multiple also sits at a higher level that the market could potentially move closer to if sentiment or expectations change over time. Explore the SWS fair ratio for Republic Bancorp Result: Price-to-earnings of 14.4x (OVERVALUED) However, Republic Bancorp’s premium P/E and recent share price gains could leave the stock sensitive to any slowdown in revenue or net income growth. Find out about the key risks to this Republic Bancorp narrative. While Republic Bancorp screens as expensive on a 14.4x P/E, the SWS DCF model paints a softer picture, with the stock trading at $93.63 compared with an estimated future cash flow value of $95.82. That small 2.3% gap points to only a modest margin either way, so which signal should matter more to you as an investor? Look into how the SWS DCF model arrives at its fair value. Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Republic Bancorp for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 49 high quality undervalued stocks. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity. With Republic Bancorp showing mixed signals on valuation and expectations, it makes sense to review the full picture and decide where you stand. To see how the balance of concerns and potential upsides stacks up, take a closer look at the 3 key rewards and 1 important warning sign If Republic Bancorp has sharpened your focus, do not stop here. Widen your search now so you are not relying on a single opportunity. Target dependable income by reviewing companies screened as potential yield standouts in the 9 dividend fortresses. Hunt for quality at a reasonable price by scanning companies flagged as attractively valued in the 49 high quality undervalued stocks. Prioritise stability by checking companies highlighted for balance sheet strength in the solid balance sheet and fundamentals stocks screener (49 results). This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include RBCAA. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

LOUISVILLE, Ky., July 24, 2026--(BUSINESS WIRE)--Republic Bancorp, Inc. ("Republic" or the "Company") reported second quarter 2026 net income and Diluted Earnings per Class A Common Share ("Diluted EPS") of $32.9 million and $1.68 per share, representing increases of 4% over the $31.5 million and $1.61 per share reported for the second quarter of 2025. As a result, the Company achieved a return on average assets ("ROA") and a return on average equity ("ROE") of 1.88% and 11.42% for the second quarter of 2026. Logan Pichel, President and Chief Executive Officer of the Bank, commented, "We delivered the strongest second-quarter results in Company history, substantially driven by the continued strength of our Core Bank(1) franchise. Traditional Banking(1) loans grew $59 million during the quarter, marking our strongest quarterly loan growth in nearly three years and reflecting the success of our relationship-based lending strategy, disciplined execution across our markets, and healthy demand across key lending categories. Despite the headwinds of a 75 basis point decline in the Federal Funds Target Rate ("FFTR") over the past 12 months, our Core Bank’s net interest income increased $4.2 million, or 7%, compared to the second quarter of 2025. Over this same time frame, our Core Bank’s net interest margin expanded 30 basis points to a near-record 4.02%, driven by notably lower funding costs, a favorable shift in average interest-earning assets, disciplined loan and deposit pricing, and proactive balance sheet management. Meanwhile, Core Bank credit quality remained strong, and disciplined expense management continued to support our performance. During June, we successfully launched a new Republic Payment Solutions ("RPS")(1) program after several years of cross-functional planning and execution. This program is expected to contribute over $150 million of lower-cost, average deposits during the remainder of 2026, strengthening liquidity, enhancing funding diversification, improving our loan-to-deposit ratio, and generating additional fee income. This launch represents a meaningful strategic achievement and demonstrates our ability to leverage our payment platforms to support long-term balance sheet growth. Beyond our strong financial performance, we were honored to receive the Raymond James Community Bankers Cup for the second consecutive year. This prestigious recognition highlights the nation’s top-performing community banks based on profitability, operational efficiency, and balance sheet strength. We were also named to Forbes’ World’s Best Banks list during the second quarter, an honor based on an independent survey of more than 54,000 consumers across 34 countries that measures trust, customer service, digital capabilities, and financial advice. Among thousands of financial institutions evaluated worldwide, Republic was one of only 72 U.S. banks included on the list. These recognitions reflect the dedication of our associates, the loyalty of our clients, and our commitment to disciplined execution. Since our founding, we have remained focused on delivering sophisticated financial solutions while preserving the relationship-driven, community-focused approach that defines Republic. We believe these honors validate our strategy and underscore the strength of our franchise. As we move through the remainder of 2026, we remain focused on disciplined growth, operational excellence, and creating long-term value for our shareholders," concluded Pichel. The following table highlights key metrics for the three and six months ended June 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 July 24, 2026. Results of Operations for the Second quarter of 2026 Compared to the Second quarter of 2025 Core Bank(1) Net income for the Core Bank totaled $22.8 million for the second quarter of 2026, an increase of $4.1 million, or 22%, from $18.7 million in the second quarter of 2025. Results were driven by strong net interest income growth, a lower provision for credit losses, fee-based revenue growth and continued disciplined expense management. Net Interest Income – Core Bank net interest income increased $4.2 million, or 7%, to $64.1 million for the second quarter of 2026 from $59.9 million for the second quarter of 2025. The primary driver for the 30 basis point increase in the Core Bank’s net interest margin from the second quarter of 2025 to the second quarter of 2026 was a favorable 49 basis point decline in the Core Bank’s cost of interest bearing liabilities. Significant factors impacting Core Bank net interest income and net interest margin between the second quarter of 2026 and the second quarter of 2025 were as follows: Interest-Earning Assets Core Bank average interest-earning cash declined to $257 million with a weighted-average yield of 3.74% during the second quarter of 2026, compared to $623 million with a yield of 4.45% during the second quarter of 2025. The decline in average interest-earning cash balances reflected the strategic deployment of excess liquidity into loan growth and longer-duration investment securities, which provided more attractive yields than overnight liquidity alternatives tied to the FFTR. Core Bank average investments increased to $912 million with a weighted-average yield of 4.15% during the second quarter of 2026, compared to $686 million with a yield of 3.71% during the second quarter of 2025 due to the previously referenced redeployment of interest-earning cash. Traditional Banking average loans increased $59 million to $4.65 billion with a weighted-average yield of 5.66% during the second quarter of 2026, compared to $4.59 billion with a yield of 5.69% during the second quarter of 2025.Period-over-period comparisons of average loan balances and yields were negatively impacted by the sale of approximately $82 million of loans and lease financing receivables during the first quarter of 2026. These loans were transferred from held for investment to held for sale in December 2025 and contributed an estimated 5 basis points to the Traditional Banking loan portfolio yield during the second quarter of 2025.Despite a 75 basis point decline in the FFTR over the past 12 months, strong new loan production, continued redeployment of cash flows from lower-yielding loan runoff into higher-yielding originations, and a favorable shift toward higher-spread lending categories largely offset the impact of lower market interest rates on loan portfolio yields. Average outstanding Warehouse(1) lines of credit increased $13 million, or 2%, to $580 million during the second quarter of 2026 from $567 million during the second quarter of 2025, while the weighted-average yield declined 61 basis points to 6.33%. Average committed Warehouse lines increased from $995 million to $1.17 billion over the same period, reflecting continued growth in customer relationships. Average utilization moderated from 57% to 50%, as growth in commitments outpaced growth in outstanding balances. Funding Liabilities (Deposits and Borrowings) As it relates to the Core Bank’s decline in interest expense and reduction in the cost of interest-bearing liabilities: The weighted-average cost of Core Bank total interest-bearing deposits decreased 36 basis points to 1.98% during the second quarter of 2026 from 2.34% during the second quarter of 2025, while total average interest-bearing deposit balances increased $96 million, or 3%. Average balances benefited from a $235 million combined increase in money market and time deposit accounts, partially offset by a $139 million decline in brokered deposits, reciprocal deposits, and interest-bearing transaction accounts. Disciplined deposit pricing initiatives and a favorable shift in funding mix drove a meaningful reduction in the overall cost of interest-bearing deposits. Average Federal Home Loan Bank ("FHLB") advances declined $211 million from the second quarter of 2025 to the second quarter of 2026, while the weighted-average cost decreased 26 basis points to 4.09%. During the second quarter of 2026, the Core Bank began realizing the benefit of the March 2026 prepayment of $220 million of higher-cost FHLB advances, which carried a weighted-average rate of 4.57%. The prepayment contributed to lower net funding costs and further supported net interest margin expansion during the quarter. The following tables present, by reportable segment, the key drivers of Core Bank performance, including net interest income, net interest margin, and average and period-end loan balances for the periods presented. Provision for Expected Credit Losses(2) – The Core Bank’s Provision was a net credit of $181,000 for the second quarter of 2026 compared to a net charge of $772,000 for the second quarter of 2025. The net credit of $181,000 for the second quarter of 2026 was driven by the following: The Traditional Banking segment recorded a net credit to the Provision of $143,000 during the second quarter of 2026. While period-end loan balances grew $59 million during the quarter, provision expense benefited from a favorable shift in portfolio composition. Specifically, construction and land development balances, which carry higher reserve requirements than most other Core Bank lending categories, declined $30 million, as projects progressed and balances primarily migrated into the commercial real estate portfolio. This shift reduced reserve requirements and contributed meaningfully to the quarter’s provision benefit. Warehouse Lending recorded a net credit to the Provision of $38,000 for the second quarter of 2026 resulting from general formula reserves applied to a $15 million, or 2%, decrease in the outstanding Warehouse period-end balances for the period. The net charge of $772,000 for the second quarter of 2025 was driven by the following: The Traditional Banking segment recorded a net charge to the Provision of $517,000 during the second quarter of 2025 related to a change in loan mix toward loans with higher formula reserve requirements in addition to $313,000 in net charge-offs. While Traditional Banking loan balances increased only $16 million during the second quarter of 2025, the growth occurred in categories with higher loan loss reserve requirements. Warehouse Lending recorded a net charge to the Provision of $255,000 for the second quarter of 2025 resulting from general formula reserves applied to a $102 million increase in the outstanding Warehouse period-end balances. As a percentage of total loans, the Core Bank’s Allowance(2) increased 8 basis points from June 30, 2025, to June 30, 2026. The table below provides a view of the Company’s percentage of Allowance-to-total-loans by reportable segment. The table below presents the Core Bank’s credit quality metrics: Noninterest Income – Core Bank noninterest income increased $796,000, or 8%, to $11.3 million for the second quarter of 2026 from $10.5 million for the second quarter of 2025. Service charges on deposits increased $562,000, or 16%, and were the largest contributor to the increase in noninterest income, driven primarily by higher activity-based fee volumes, particularly insufficient funds fees. Interchange income increased $433,000 compared to the second quarter of 2025, primarily due to a $454,000 favorable adjustment to credit and debit card rewards accruals recorded during the second quarter of 2026. The adjustment aligned the Core Bank’s estimated rewards liability with expected payouts under its new rewards programs. Other income decreased $236,000, primarily due to a nonrecurring $328,000 net gain recognized from the sale of the Bank’s consumer credit card portfolio during the second quarter of 2025. Noninterest Expense – Core Bank noninterest expenses were $45.9 million for the second quarter of 2026, an increase of $281,000, or 1%, from the second quarter of 2025. The most notable change in noninterest expense from the second quarter of 2025 to the second quarter of 2026 was a $224,000 increase in the marketing and development expense attributable to the Bank’s branding initiative launched in mid-2025. Despite this investment, overall noninterest expense growth remained modest, helping support the Core Bank's strong profitability during the quarter. Republic Processing Group(1) RPG reported net income of $10.1 million for the second quarter of 2026, compared with net income of $12.8 million for the second quarter of 2025. Results by RPG operating segment were as follows: Tax Refund Solutions(1) The TRS segment derives substantially all of its revenues during the first and second quarters of each year. TRS reported net income of $1.7 million for the second quarter of 2026, compared with $3.3 million for the same period in 2025. The decline in net income was primarily attributable to a $2.9 million less favorable provision benefit compared to the second quarter of 2025. During the second quarter of each year, the Company charges off all remaining unpaid Refund Advances ("RAs"). While charge-offs during both the second quarters of 2025 and 2026 were favorably lower than the preliminary loan loss reserves established in the preceding first quarters, the Company’s reserve estimate for the 2026 tax season proved more precise. This improved accuracy was largely attributable to the nonrenewal of a major Tax Provider contract that drove significant RA volume during the 2025 tax season and historically contributed greater variability to credit loss estimates. Republic Payment Solutions RPS reported net income of $1.9 million for the second quarter of 2026, compared with $2.4 million for the same period in 2025. The decline in net income was driven primarily by lower net interest income, reflecting a lower applied yield earned on the segment’s average deposit balances. The lower yield primarily resulted from the 75 basis point decline in the FFTR between the second quarters of 2025 and 2026. As a result, RPS earned a yield of 3.67% on average deposit balances of $370 million during the second quarter of 2026, compared with a yield of 4.28% on average deposit balances of $350 million during the second quarter of 2025. Republic Credit Solutions(1) RCS reported net income of $6.4 million for the second quarter of 2026, a decrease of $655,000, or 9%, from $7.0 million for the second quarter of 2025. Growth in RCS net interest income and program fees was more than offset by higher provision expense and noninterest expenses. Net interest income and program fees benefited from strong origination growth across both RCS line of credit ("LOC") products and the segment’s installment loan program. However, provision expense increased specifically due to growth in the segment’s LOC II product, which carries substantially higher provisioning requirements than the segment’s other lending products. Noninterest expense also increased during the quarter, driven primarily by higher marketing costs. Comparisons to the prior-year period were further impacted by a $763,000 reimbursement recognized during the second quarter of 2025 related to the resolution of a prior-period billing dispute. As a result, the combined impact of higher provision and operating expenses more than offset the benefit of revenue growth, resulting in lower net income for the quarter. Republic Bancorp, Inc. (the "Company") is the parent company of Republic Bank & Trust Company (the "Bank"). The Bank currently operates 47 banking centers within five metropolitan statistical areas ("MSAs") across five states: 22 banking centers in the Louisville MSA, serving Louisville, Prospect, Shelbyville, and Shepherdsville, Kentucky, and Floyds Knobs, Jeffersonville, and New Albany, Indiana; six banking centers in the Lexington MSA, serving Georgetown and Lexington, Kentucky; eight banking centers in the Cincinnati MSA, serving Cincinnati and West Chester, Ohio, and Bellevue, Covington, Crestview Hills, and Florence, Kentucky; seven banking centers in the Tampa MSA, serving Largo, New Port Richey, St. Petersburg, Seminole, and Tampa, Florida; and four banking centers in the Nashville MSA, serving Franklin, Murfreesboro, Nashville, and Spring Hill, Tennessee. The Bank also offers online banking at www.republicbank.com. The Company is headquartered in Louisville, Kentucky and, as of June 30, 2026, had approximately $7.06 billion in total assets. The Company’s Class A Common Stock is listed on the NASDAQ Global Select Market under the symbol "RBCAA." Republic Bank. Time to Thrive.™ Forward-Looking Statements This press release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The forward-looking statements in the preceding paragraphs are based on our current expectations and assumptions regarding our business, the future average balances of the new RPS program launched during June 2026, the future impact to our balance sheet and income statement resulting from changes in interest rates, the yield curve, the ability to develop products and strategies in order to meet the Company’s long-term strategic goals and other future conditions. Because forward-looking statements relate to future events, they are subject to inherent uncertainties, risks, and changes in circumstances that are difficult to predict. Actual results may differ materially from those expressed or implied by these forward-looking statements. Accordingly, readers are cautioned not to place undue reliance on such statements. Forward-looking statements are neither historical facts nor guarantees of future performance. Factors that could cause actual results to differ materially from those described in forward-looking statements are discussed in the Company's filings with the U.S. Securities and Exchange Commission, including the Risk Factors section of the Company's Annual Report on Form 10-K for the year ended December 31, 2025. The Company undertakes no obligation to update any forward-looking statement, except as required by applicable law. Footnotes: View source version on businesswire.com: https://www.businesswire.com/news/home/20260724090619/en/ Contacts Republic Bancorp, Inc.Kevin SipesExecutive Vice President & Chief Financial Officer(502) 560-8628

As the craze of earnings season draws to a close, here’s a look back at some of the most exciting (and some less so) results from Q1. Today, we are looking at regional banks stocks, starting with Republic Bancorp (NASDAQ:RBCAA). Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges. The 91 regional banks stocks we track reported a slower Q1. As a group, revenues were in line with analysts’ consensus estimates. In light of this news, share prices of the companies have held steady as they are up 4.9% on average since the latest earnings results. With roots dating back to 1974 and operating across multiple states including Kentucky, Indiana, Florida, Ohio, and Tennessee, Republic Bancorp (NASDAQGS:RBCA.A) is a Kentucky-based financial holding company that operates a bank offering traditional banking, mortgage services, and specialized financial products. Republic Bancorp reported revenues of $104.8 million, down 11.3% year on year. This print fell short of analysts’ expectations by 4.8%. Overall, it was a mixed quarter for the company with an impressive beat of analysts’ net interest income estimates but tangible book value per share in line with analysts’ estimates. Republic Bancorp delivered the slowest revenue growth of the whole group. Interestingly, the stock is up 20.5% since reporting and currently trades at $87.34. Is now the time to buy Republic Bancorp? Access our full analysis of the earnings results here, it’s free. With roots dating back to 1913 and a name derived from "United Missouri Bank," UMB Financial (NASDAQ:UMBF) is a financial holding company that provides banking, asset management, and fund services to commercial, institutional, and individual customers. UMB Financial reported revenues of $744.8 million, up 29.3% year on year, outperforming analysts’ expectations by 5.4%. The business had an exceptional quarter with a beat of analysts’ EPS and net interest income estimates. UMB Financial pulled off the biggest analyst estimate beat among its peers. The market seems happy with the results as the stock is up 10.4% since reporting. It currently trades at $138.34. Is now the time to buy UMB Financial? Access our full analysis of the earnings results here, it’s free. Born from the ashes of a failed Florida thrift during the 2009 financial crisis, BankUnited (NYSE:BKU) is a regional bank that provides commercial lending, deposit services, and treasury solutions to businesses and consumers primarily in Florida and the New York metropolitan area. BankUnited reported revenues of $273.8 million, up 6.1% year on year, falling short of analysts’ expectations by 5.1%. It was a disappointing quarter as it posted a significant miss of analysts’ net interest income and EPS estimates. Interestingly, the stock is up 5% since the results and currently trades at $49.13. Read our full analysis of BankUnited’s results here. Starting as a small community bank in 1950 and expanding through strategic acquisitions across the Southeast, United Community Banks (NYSE:UCB) is a regional bank holding company that provides financial services including loans, deposits, wealth management, and merchant services across the southeastern United States. United Community Banks reported revenues of $272.4 million, up 9.6% year on year. This number missed analysts’ expectations by 0.8%. It was a slower quarter as it also logged a slight miss of analysts’ net interest income estimates and EPS in line with analysts’ estimates. The stock is down 1.3% since reporting and currently trades at $33.87. Read our full, actionable report on United Community Banks here, it’s free. Founded during the Florida land boom of 1926 and surviving the Great Depression, Seacoast Banking Corporation of Florida (NASDAQ:SBCF) is a financial holding company that provides commercial and retail banking, wealth management, and mortgage services throughout Florida. Seacoast Banking reported revenues of $205.1 million, up 45.6% year on year. This print was in line with analysts’ expectations. More broadly, it was a slower quarter as it logged a significant miss of analysts’ tangible book value per share estimates and net interest income in line with analysts’ estimates. The stock is flat since reporting and currently trades at $31.70. Read our full, actionable report on Seacoast Banking here, it’s free. Late in 2025 into early 2026, there was hand-wringing around artificial intelligence. For software companies, the fear was that AI would erode pricing power and compress margins as new tools made it easier to replicate what once required expensive enterprise platforms. Crypto investors had their own version of the same anxiety: if AI agents could trade, allocate capital, and manage wallets autonomously, what exactly was the long-term value of today’s crypto infrastructure? These concerns triggered a noticeable rotation away from these sectors and into safer havens. But markets rarely dwell on one narrative for long. 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LOUISVILLE, Ky., April 23, 2026--(BUSINESS WIRE)--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: 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. Pichel further commented, "As reflected in the table above, adjusted net income increased 3% from the first quarter of 2025 to the first quarter of 2026 after excluding nonrecurring or infrequent items. Adjusted net income for the Core Bank was $21.1 million for the first quarter of 2026, representing an increase of $3.7 million, or 21%, over the first quarter of 2025, while adjusted net income for RPG declined 12% for the same periods to $18.8 million. Our first quarter 2026 results highlighted the strength of our core banking fundamentals, including disciplined expense management, solid credit performance, and strong Core Bank net interest income and net interest margin expansion. Our Core Banking segments, particularly Traditional Banking and Warehouse Lending, delivered a strong start to the year and were the primary drivers of overall performance. These results underscore our ability to generate sustainable net interest income growth in a dynamic rate environment and reflect the resilience of our business model and the effectiveness of our interest rate risk management strategies. In addition to our solid quarterly operating results, we were recognized during the first quarter for our continued strong performance. In January, Newsweek and Plant A Insights Group named us one of America’s Best Regional Banks 2025 for the third consecutive year. This recognition—based on an evaluation of more than 9,000 financial institutions, over 70,000 customer surveys, and millions of social media reviews—underscores our ongoing commitment to customer service and community‑focused, relationship‑based banking. While we are proud of this accolade and our first‑quarter accomplishments, we remain intensely focused on delivering a consistent, high‑quality operating performance. I want to thank our clients for their continued trust and our associates for their dedication and commitment, which are fundamental to our success," concluded Pichel. The following table highlights Republic’s key metrics for the three months ended March 31, 2026, and 2025. Additional financial details, including segment-level data, are provided in the financial supplement to this release. The attached digital version of this release includes the financial supplement as an appendix. The financial supplement may also be found as Exhibit 99.2 of the Company’s Form 8-K filed with the SEC on April 23, 2026. Results of Operations for the First Quarter of 2026 Compared to the First Quarter of 2025 Core Bank(1) Net income for the Core Bank was $23.8 million for the first quarter of 2026, a $6.4 million, or 37%, increase from the $17.4 million earned for the first quarter of 2025. Adjusted net income for the Core Bank was $21.1 million for the first quarter of 2026, a $3.7 million, or 21%, increase from the $17.4 million earned for the first quarter of 2025. Adjusted net income for the Core Bank includes the adjustments for the following: As discussed in detail below, a solid increase in net interest income was further complemented by flat adjusted noninterest expenses, driving the overall Core Bank performance for the quarter. Net Interest Income – Core Bank net interest income was $63.2 million for the first quarter of 2026, an increase of $6.9 million, or 12%, over the $56.3 million reported for the first quarter of 2025. This growth was driven by net interest margin expansion, as the Core Bank’s net interest margin rose 26 basis points to 3.96%. The margin improvement primarily reflected a decline in the cost of deposits, combined with higher yields on and growth in average interest‑earning assets. Significant items of note impacting the Core Bank’s net interest income and net interest margin expansion between the first quarter of 2026 and the first quarter of 2025 were as follows: Interest-Earning Assets Core Bank average interest‑earning cash declined to $344 million with a weighted‑average yield of 3.66% during the first quarter of 2026, compared to $517 million and a 4.45% yield for the first quarter of 2025. The decrease in average balances primarily reflected the deployment of excess liquidity into the investment portfolio, which offered more attractive yields due to a steeper yield curve, while the decline in yield was directly tied to the decrease in the overnight Federal Funds Target Rate. Average investments increased to $907 million with a weighted‑average yield of 4.24% during the first quarter of 2026, compared to $620 million and a 3.48% yield for the first quarter of 2025. The growth in average balances and higher yields reflect the Company’s ongoing deployment of excess liquidity into longer‑term investment securities over recent quarters, which offered more attractive yields than overnight, interest‑earning cash alternatives. Average outstanding Warehouse lines of credit increased $152 million, or 33%, from $458 million during the first quarter of 2025 to $610 million for the first quarter of 2026, while the weighted‑average yield declined 72 basis points to 6.34%. Average committed Warehouse lines expanded from $968 million to $1.22 billion over the same period, as average usage rates increased from 47% to 50%. Traditional Bank average loans increased $42 million from $4.58 billion during the first quarter of 2025 to $4.62 billion during the first quarter of 2026, while the weighted‑average yield increased 3 basis points to 5.64%. The period‑over‑period increase in loan yield reflected the replacement of lower‑yielding loans through principal amortization and payoffs with new originations that generally earned higher yields. In addition, the year‑over‑year comparison of average loans was negatively impacted by the sale of $81 million of loans and lease financing receivables from RBF during the first quarter of 2026 that were previously held for investment. Funding Liabilities (Deposits and Borrowings) As it relates to the Core Bank’s decrease in interest expense and the cost of its interest-bearing liabilities: The weighted‑average cost of total interest‑bearing deposits declined from 2.26% during the first quarter of 2025 to 1.98% for the first quarter of 2026, while average interest‑bearing deposit balances increased $277 million, or 8%. The growth in balances was led by a combined $326 million increase in business and consumer money market accounts, time deposits, brokered deposits, and reciprocal deposits, all of which generally carry higher rates. These increases were partially offset by a $49 million decrease in average transaction account balances, including an $11 million decline in third‑party listing service deposits. Average FHLB advances declined $94 million from the first quarter of 2025 to the first quarter of 2026, while the weighted‑average cost decreased 20 basis points to 4.19%. The lower cost primarily reflected reduced usage of overnight borrowings and a decline in overnight borrowing rates driven by the decrease in the Federal Funds Target Rate. In addition, the Core Bank prepaid $220 million of higher‑cost FHLB advances in late March 2026, which carried a weighted‑average rate of 4.57%, and incurred a $2.3 million pre‑tax early termination penalty. Based on the current interest rate environment, management expects to recoup this penalty within approximately 1.2 years through a combination of reducing overnight cash or borrowing at lower overnight rates. The following tables present by reportable segment the overall changes in the Core Bank’s net interest income, net interest margin, as well as average and period-end loan balances: Provision for Expected Credit Losses(2) – The Core Bank’s Provision was a net charge of $394,000 for the first quarter of 2026 compared to a net credit of $722,000 for the first quarter of 2025. The net charge of $394,000 for the first quarter of 2026 was driven by the following: The Traditional Bank recorded a net charge to the Provision of $705,000 during the first quarter of 2026 primarily related to general formula reserves tied to period-end loan growth of $50 million. Warehouse Lending recorded a net credit to the Provision of $311,000 resulting from general formula reserves applied to a $124 million, or 16%, decrease in the outstanding Warehouse spot balances during the first quarter of 2026. The net credit of $722,000 for the first quarter of 2025 was driven by the following: The Traditional Bank recorded a credit to the Provision of $414,000 as a result of a reclassification of $5 million of consumer credit cards from loans held for investment into loans held for sale during the first quarter of 2025. The Traditional Bank recorded a net credit to the Provision of $491,000 during the first quarter of 2025 primarily related to a general improvement in the life-of-loan historical loss rates within certain categories of the Traditional Bank loan portfolio combined with a minimal net change in the Traditional Bank period-end loan balances for the quarter. Warehouse Lending recorded a net charge to the Provision of $47,000 resulting from general formula reserves applied to a $19 million increase in the outstanding Warehouse spot balances during the first quarter of 2025. As a percentage of total loans, the Core Bank’s Allowance(2) increased 9 basis points from March 31, 2025, to March 31, 2026. The table below provides a view of the Company’s percentage of Allowance-to-total-loans by reportable segment. The table below presents the Core Bank’s credit quality metrics: Noninterest Income – Core Bank noninterest income increased $415,000 from $15.4 million for the first quarter of 2025 to $15.8 million for the first quarter of 2026. Adjusted noninterest income(3) was $10.0 million for the first quarter of 2026, an increase of $231,000, or 2%, from $9.7 million for the first quarter of 2025. Adjusted noninterest income(3) reflects the exclusion of the following items: The primary driver of the increase in adjusted noninterest income was service charges on deposits, which increased $422,000, or 12%, driven by an increased volume of activity related fees, particularly for payments made for insufficient funds. Noninterest Expense – The Core Bank’s noninterest expenses were $47.3 million for the first quarter of 2026, a decrease of $3.5 million, or 7%, from the first quarter of 2025. Adjusted noninterest expenses(4) were $45.0 million for the first quarter of 2026 compared to $45.1 million for the first quarter of 2025. Adjusted noninterest expense(4) reflects the exclusion of the following items: Notable fluctuations for adjusted noninterest expense were as follows: Salaries and Benefits increased $411,000, or 2%, as a slight decrease in full-time equivalent employees was more than offset by annual merit based salary increases and higher bonus accruals. Core Bank Technology expense declined $632,000, or 8%, driven by cost savings realized following the core system conversion completed in mid-October 2025. Interchange related expense decreased $238,000 due primarily to lower debit card and credit card processing costs driven primarily by savings from the core system conversion. Republic Processing Group(1) RPG reported net income of $18.8 million for the first quarter of 2026, an $11.1 million decrease from the $29.9 million reported for the first quarter of 2025. Notable net income fluctuations within RPG’s operating segments were as follows: Tax Refund Solutions The TRS segment derives substantially all of its revenues during the first and second quarters of the year. TRS recorded net income of $9.7 million for the first quarter of 2026 compared to $19.6 million for the same period in 2025, with the decline primarily reflecting the previously disclosed nonrenewal of a large Tax Provider contract. Excluding the impact of this contract nonrenewal, TRS net income declined $1.5 million, or 13%, from the first quarter of 2025 to the first quarter of 2026. This decrease was generally due to modest declines in both Refunds Advance and funded Refund Transfer activity. Republic Payment Solutions Net income at RPS was $2.1 million for the first quarter of 2026, an $835,000 decrease compared to the first quarter of 2025. The decline in net income at RPS was driven primarily by lower net interest income, as the segment earned a reduced yield of 3.69% on its $347 million average of deposit balances during the first quarter of 2026, compared to a yield of 4.55% on $373 million in average deposit balances for the first quarter of 2025. The lower earnings rate reflected the 75‑basis point decline in the Federal Funds Target Rate between the first quarter of 2025 and the first quarter of 2026. Republic Credit Solutions RCS net income declined by $362,000, or 5%, to $7.0 million for the first quarter of 2026, compared to $7.4 million for the first quarter of 2025. The decrease was primarily driven by the negative impact of higher Provisions within the segment’s line of credit products, reflecting a change in mix toward the LOC II product, which carries significantly higher provisioning requirements over the other RCS products. Partially offset the higher Provisions, RCS Program fees expanded generally due to increased originations across the different product lines. Republic Bancorp, Inc. (the "Company") is the parent company of Republic Bank & Trust Company (the "Bank"). The Bank currently has 47 banking centers in communities within five metropolitan statistical areas ("MSAs") across five states: 22 banking centers located within the Louisville MSA in Louisville, Prospect, Shelbyville, and Shepherdsville in Kentucky, and Floyds Knobs, Jeffersonville, and New Albany in Indiana; six banking centers within the Lexington MSA in Georgetown and Lexington in Kentucky; eight banking centers within the Cincinnati MSA in Cincinnati and West Chester in Ohio, and Bellevue, Covington, Crestview Hills, and Florence in Kentucky; seven banking centers within the Tampa MSA in Largo, New Port Richey, St. Petersburg, Seminole, and Tampa in Florida; and four banking centers within the Nashville MSA in Franklin, Murfreesboro, Nashville and Spring Hill, Tennessee. The Bank offers online banking at www.republicbank.com. The Company is headquartered in Louisville, Kentucky, and as of March 31, 2026, had approximately $7.25 billion in total assets. The Company’s Class A Common Stock is listed under the symbol "RBCAA" on the NASDAQ Global Select Market. Republic Bank. Time to Thrive.™ Forward-Looking Statements This press release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. The forward-looking statements in the preceding paragraphs are based on our current expectations and assumptions regarding our business, the future impact to our balance sheet and income statement resulting from changes in interest rates, the yield curve, the future ability of the Core Bank to recoup its FHLB early termination fee based on the current interest rate environment, the ability to develop products and strategies in order to meet the Company’s long-term strategic goals and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Our actual results may differ materially from those contemplated by forward-looking statements. We caution you therefore against relying on any of these forward-looking statements. They are neither statements of historical fact nor guarantees or assurances of future performance. Actual results could differ materially based upon factors disclosed from time to time in the Company’s filings with the U.S. Securities and Exchange Commission, including those factors set forth as "Risk Factors" in the Company’s Annual Report on Form 10-K for the period ended December 31, 2025. The Company undertakes no obligation to update any forward-looking statements, except as required by applicable law. Footnotes: View source version on businesswire.com: https://www.businesswire.com/news/home/20260423516876/en/ Contacts Republic Bancorp, Inc. Kevin Sipes Executive Vice President & Chief Financial Officer (502) 560-8628

Republic Bancorp has been treading water for the past six months, recording a small return of 1.1% while holding steady at $72.95. Is there a buying opportunity in Republic Bancorp, or does it present a risk to your portfolio? Get the full stock story straight from our expert analysts, it’s free. We're sitting this one out for now. Here are three reasons why RBCAA doesn't excite us and a stock we'd rather own. Our experience and research show the market cares primarily about a bank’s net interest income growth as one-time fees are considered a lower-quality and non-recurring revenue source. Republic Bancorp’s net interest income has grown at a 7.6% annualized rate over the last five years, worse than the broader banking industry. Its growth was driven by both an increase in its outstanding loans and net interest margin, which represents how much a bank earns in relation to its outstanding loan book. Forecasted net interest income by Wall Street analysts signals a company’s potential. Predictions may not always be accurate, but accelerating growth typically boosts valuation multiples and stock prices while slowing growth does the opposite. Over the next 12 months, sell-side analysts expect Republic Bancorp’s net interest income to drop by 1.9%, a decrease from its 7.7% annualized growth for the past two years. This projection is below its 7.7% annualized growth rate for the past two years. Tangible book value per share (TBVPS) growth comes from a bank’s ability to profitably lend while maintaining prudent risk management and efficient operations. Over the next 12 months, Consensus estimates call for Republic Bancorp’s TBVPS to grow by 7.4% to $58.37, lousy growth rate. Republic Bancorp isn’t a terrible business, but it doesn’t pass our bar. That said, the stock currently trades at $72.95 per share (or a forward price-to-sales ratio of 0×). The market typically values companies like Republic Bancorp based on their anticipated profits for the next 12 months, but it expects the business to lose money. We also think the upside isn’t great compared to the potential downside here - there are more exciting stocks to buy. We’d recommend looking at an all-weather company that owns household favorite Taco Bell. If your portfolio success hinges on just 4 stocks, your wealth is built on fragile ground. You have a small window to secure high-quality assets before the market widens and these prices disappear. Don’t wait for the next volatility shock. Check out our Top 5 Strong Momentum Stocks for this week. This is a curated list of our High Quality stocks that have generated a market-beating return of 244% over the last five years (as of June 30, 2025). Stocks that have made our list include now familiar names such as Nvidia (+1,326% between June 2020 and June 2025) as well as under-the-radar businesses like the once-small-cap company Comfort Systems (+782% five-year return). Find your next big winner with StockStory today.

Republic Bancorp (RBCAA) came out with quarterly earnings of $1.17 per share, missing the Zacks Consensus Estimate of $1.3 per share. This compares to earnings of $0.98 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -10.00%. A quarter ago, it was expected that this holding company for Republic Bank & Trust would post earnings of $1.38 per share when it actually produced earnings of $1.52, delivering a surprise of +10.14%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. Republic Bancorp, which belongs to the Zacks Banks - Southeast industry, posted revenues of $94.27 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 1.37%. This compares to year-ago revenues of $89.51 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Republic Bancorp shares have added about 3.5% since the beginning of the year versus the S&P 500's gain of 1.8%. While Republic Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Republic Bancorp was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $2.12 on $128 million in revenues for the coming quarter and $6.15 on $415 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 16% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the broader Zacks Finance sector, Omega Healthcare Investors (OHI), has yet to report results for the quarter ended December 2025. The results are expected to be released on February 4. This health care real estate investment trust is expected to post quarterly earnings of $0.79 per share in its upcoming report, which represents a year-over-year change of +6.8%. The consensus EPS estimate for the quarter has been revised 1.3% higher over the last 30 days to the current level. Omega Healthcare Investors' revenues are expected to be $319.04 million, up 14.2% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Republic Bancorp, Inc. (RBCAA) : Free Stock Analysis Report Omega Healthcare Investors, Inc. (OHI) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research