Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Constructive evidenceCoverage 2/5 core metrics2 filing-based checks were evaluable.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- No current rule-based risk flags
2 filing-based checks were evaluable.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue expanded
Latest reported annual revenue changed +8.5% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Free cash flow was positive
Latest reported free cash flow was $161M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Core Banking Activities$288Mshare n/a+13.2% yoy
- Traditional Banking$274Mshare n/a+13.0% yoy
- Republic Processing Group$129Mshare n/a-0.7% yoy
- Republic Credit Solutions Division$63.8Mshare n/a-1.9% yoy
- Tax Refund Solutions Segment$48.4Mshare n/a-3.0% yoy
- Republic Payment Solutions Segment$16.9Mshare n/a+12.1% yoy
- Warehouse Lending$14.7Mshare n/a+17.3% yoy
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Transfer Agent$17.7M35.3%+15.2% yoy
- Deposit Account$14.4M28.8%+1.8% yoy
- Credit And Debit Card$12.2M24.3%-6.0% yoy
- Financial Service Other$6.03M12.0%+55.3% yoy
- Gain Loss On Other Real Estate Owned-$211K-0.4%+2.4% yoy
Members sum to $50.1M against $417M consolidated (residual $367M) - eliminations or corporate lines the filer did not tag on this axis.
- Core Banking Activities$79Mshare n/a+10.2% yoy
- Traditional Banking$75.1Mshare n/a+9.3% yoy
- Republic Processing Group$41.4Mshare n/a-35.4% yoy
- Tax Refund Solutions Segment$21Mshare n/a-51.9% yoy
- Republic Credit Solutions Division$16.5Mshare n/a+6.0% yoy
- Warehouse Lending$3.92Mshare n/a+28.7% yoy
- +1 more member in the filing
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,122 US-listed filers · 907 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $417M | 42ndof 3,301 middle third | 50thof 541 middle third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 8.5% | 57thof 3,135 middle third | 56thof 518 middle third |
Net margin net income ÷ revenue | 31.4% | 92ndof 3,263 top third | 68thof 534 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 38.6% | 94thof 2,679 top third | 63rdof 307 middle third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 11.9% | 72ndof 3,577 top third | 71stof 774 top third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 0.5% | 85thof 2,895 top third | 93rdof 422 top third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 1.3× | 39thof 2,183 middle third | 58thof 673 middle third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | -0.5% | 24thof 3,577 bottom third | 53rdof 804 middle third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 44.7% | 18thof 3,059 bottom third | 19thof 734 bottom third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 22 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2020-12-31 | $68.4M 10-K 2021-02-26 | $75.4M 10-K 2023-03-03 | +10.2% | first · latest · 3 filings carry it |
| Revenue Revenues | quarter 2021-06-30 | $65.4M 10-Q 2021-08-06 | $72M 10-Q 2022-08-05 | +10.0% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2021-03-31 | $15.3M 10-Q 2021-05-06 | $16.8M 10-Q 2022-05-06 | +9.9% | first · latest |
| Interest expense InterestExpense | quarter 2021-06-30 | $1.65M 10-Q 2021-08-06 | $1.51M 10-Q 2022-08-05 | -8.2% | first · latest · 3 filings carry it |
| Revenue Revenues | quarter 2020-06-30 | $71M 10-Q 2020-08-07 | $67.5M 10-Q 2021-08-06 | -4.9% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2025-03-31 | $93.2M 10-Q 2025-05-08 | $89.1M 10-Q 2026-05-07 | -4.4% | first · latest |
| Interest expense InterestExpense | quarter 2021-09-30 | $1.39M 10-Q 2021-11-05 | $1.34M 10-Q 2022-11-04 | -3.7% | first · latest · 3 filings carry it |
| Net income NetIncomeLoss | quarter 2021-12-31 | $16.8M 10-K 2022-03-01 | $17.2M 10-K 2023-03-03 | +2.5% | first · latest |
| Revenue Revenues | quarter 2021-09-30 | $70.3M 10-Q 2021-11-05 | $72M 10-Q 2022-11-04 | +2.4% | first · latest |
| Net income NetIncomeLoss | quarter 2022-09-30 | $19.5M 10-Q 2022-11-04 | $19.9M 10-Q 2023-11-03 | +2.1% | first · latest · 3 filings carry it |
| Revenue Revenues | quarter 2020-09-30 | $72.8M 10-Q 2020-11-06 | $71.4M 10-Q 2021-11-05 | -1.9% | first · latest |
| Net income NetIncomeLoss | quarter 2022-06-30 | $23.9M 10-Q 2022-08-05 | $24.3M 10-Q 2023-08-04 | +1.9% | first · latest · 3 filings carry it |
| Net income NetIncomeLoss | quarter 2021-09-30 | $20M 10-Q 2021-11-05 | $20.4M 10-K 2023-03-03 | +1.9% | first · latest · 4 filings carry it |
| Net income NetIncomeLoss | quarter 2022-03-31 | $27.9M 10-Q 2022-05-06 | $28.4M 10-Q 2023-05-05 | +1.5% | first · latest · 3 filings carry it |
| Total assets Assets | balance at 2021-12-31 | $6.09B 10-K 2022-03-01 | $6.17B 10-K 2024-03-14 | +1.2% | first · latest · 6 filings carry it |
| Net income NetIncomeLoss | fiscal year 2021-12-31 | $86.8M 10-K 2022-03-01 | $87.6M 10-K 2024-03-14 | +0.9% | first · latest · 3 filings carry it |
| Revenue Revenues | quarter 2022-09-30 | $73.1M 10-Q 2022-11-04 | $73.7M 10-Q 2023-11-03 | +0.8% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | fiscal year 2021-12-31 | $99.4M 10-K 2022-03-01 | $100M 10-K 2024-03-14 | +0.8% | first · latest · 3 filings carry it |
| Revenue Revenues | quarter 2022-06-30 | $81.8M 10-Q 2022-08-05 | $82.4M 10-Q 2023-08-04 | +0.7% | first · latest |
| Revenue Revenues | fiscal year 2021-12-31 | $307M 10-K 2022-03-01 | $309M 10-K 2024-03-14 | +0.6% | first · latest · 3 filings carry it |
| Revenue Revenues | quarter 2022-03-31 | $93.6M 10-Q 2022-05-06 | $94.2M 10-Q 2023-05-05 | +0.6% | first · latest |
| Operating cash flow NetCashProvidedByUsedInOperatingActivities | quarter 2022-03-31 | $80.4M 10-Q 2022-05-06 | $80.9M 10-Q 2023-05-05 | +0.5% | first · latest |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for RBCAA yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.