Republic Bancorp’s (NASDAQ:RBCAA) Q4 CY2025 Sales Beat Estimates

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 Q3. Today, we are looking at regional banks stocks, starting with First Hawaiian Bank .

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 101 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.

Thankfully, share prices of the companies have been resilient as they are up 9.7% on average since the latest earnings results.

First Hawaiian Bank

Dating back to 1858 as Hawaii's oldest bank with deep roots in the Pacific island communities, First Hawaiian operates a full-service community bank providing deposit accounts, commercial and consumer loans, credit cards, and wealth management services across Hawaii, Guam, and Saipan.

First Hawaiian Bank reported revenues of $226.4 million, up 7.8% year on year. This print exceeded analysts’ expectations by 3.8%. Overall, it was a very strong quarter for the company with an impressive beat of analysts’ revenue estimates and a beat of analysts’ EPS estimates.

“I’m pleased to report that the third quarter was another period of market-leading performance for First Hawaiian Bank,” said Bob Harrison, Chairman, President, and CEO.

Interestingly, the stock is up 13.7% since reporting and currently trades at $26.91.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with a solid beat of analysts’ net interest income estimates and an impressive beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 19.5% since reporting. It currently trades at $78.37.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.

The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 9.6% since the results and currently trades at $69.81.

Read our full analysis of The Bancorp’s results here.

Republic Bancorp

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 $91.52 million, up 11% year on year. This print came in 0.9% below analysts' expectations. Zooming out, it was a mixed quarter as it also logged a narrow beat of analysts’ tangible book value per share estimates but a slight miss of analysts’ revenue estimates.

The stock is up 2% since reporting and currently trades at $69.79.

Read our full, actionable report on Republic Bancorp here, it’s free.

Banner Bank

Founded in 1890 in Walla Walla, Washington, and evolving through more than a century of economic cycles, Banner Corporation operates Banner Bank, providing commercial banking services, loans, and financial products to individuals and businesses across Washington, Oregon, California, Idaho, and Utah.

Banner Bank reported revenues of $172.2 million, up 9.7% year on year. This number surpassed analysts’ expectations by 0.6%. Overall, it was a satisfactory quarter as it also put up a beat of analysts’ EPS estimates.

The stock is up 2.6% since reporting and currently trades at $64.28.

Read our full, actionable report on Banner Bank here, it’s free.

The end of an earnings season can be a great time to discover new stocks and assess how companies are handling the current business environment. Let’s take a look at how Old National Bank and the rest of the regional banks stocks fared in Q3.

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 99 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.

Thankfully, share prices of the companies have been resilient as they are up 5.7% on average since the latest earnings results.

Old National Bank

Tracing its roots back to 1834 when Andrew Jackson was president, Old National Bancorp is a bank holding company that provides commercial and consumer loans, deposit services, wealth management, and treasury solutions primarily throughout the Midwest region.

Old National Bank reported revenues of $713 million, up 44.9% year on year. This print exceeded analysts’ expectations by 2.2%. Overall, it was a satisfactory quarter for the company with a solid beat of analysts’ revenue estimates but net interest income in line with analysts’ estimates.

"Old National's outstanding quarterly results reflect our continued focus on the fundamentals and the benefits from our recent partnership with Bremer Bank," said Chairman and CEO Jim Ryan.

Interestingly, the stock is up 7.9% since reporting and currently trades at $22.31.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 9.8% since reporting. It currently trades at $71.99.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.

The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 12.5% since the results and currently trades at $67.52.

Read our full analysis of The Bancorp’s results here.

S&T Bancorp

Tracing its roots back to 1902 in western Pennsylvania's industrial heartland, S&T Bancorp is a Pennsylvania-based bank holding company that provides retail and commercial banking services, cash management, trust services, and investment advisory solutions.

S&T Bancorp reported revenues of $103.6 million, up 6.8% year on year. This number beat analysts’ expectations by 0.6%. Zooming out, it was a mixed quarter as its performance in some other areas of the business was disappointing.

The stock is up 10.3% since reporting and currently trades at $39.35.

Read our full, actionable report on S&T Bancorp here, it’s free for active Edge members.

Republic Bancorp

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 $91.52 million, up 11% year on year. This print came in 0.9% below analysts' expectations. Taking a step back, it was a mixed quarter as it also recorded a narrow beat of analysts’ tangible book value per share estimates but a slight miss of analysts’ revenue estimates.

The stock is flat since reporting and currently trades at $68.99.

Read our full, actionable report on Republic Bancorp here, it’s free for active Edge members.

Quarterly earnings results are a good time to check in on a company’s progress, especially compared to its peers in the same sector. Today we are looking at Republic Bancorp and the best and worst performers in the regional banks industry.

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 satisfactory Q3. As a group, revenues missed analysts’ consensus estimates by 1.1%.

Thankfully, share prices of the companies have been resilient as they are up 5.9% on average since the latest earnings results.

Republic Bancorp

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 $91.52 million, up 11% year on year. This print fell short of analysts’ expectations by 0.9%. Overall, it was a mixed quarter for the company with a narrow beat of analysts’ tangible book value per share estimates but a slight miss of analysts’ revenue estimates.

Interestingly, the stock is up 2.9% since reporting and currently trades at $70.40.

Read our full report on Republic Bancorp here, it’s free for active Edge members.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $232.1 million, up 38.9% year on year, outperforming analysts’ expectations by 7%. The business had a stunning quarter with a solid beat of analysts’ net interest income estimates and an impressive beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 10.6% since reporting. It currently trades at $72.53.

Is now the time to buy Customers Bancorp? Access our full analysis of the earnings results here, it’s free for active Edge members.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.6 million, up 38.8% year on year, falling short of analysts’ expectations by 10%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.

As expected, the stock is down 12.6% since the results and currently trades at $67.50.

Read our full analysis of The Bancorp’s results here.

1st Source

Tracing its roots back to 1863 during the Civil War era, 1st Source Corporation is a regional bank holding company that provides commercial, consumer, specialty finance, and wealth management services across Indiana, Michigan, and Florida.

1st Source reported revenues of $110.7 million, up 13% year on year. This number topped analysts’ expectations by 1.3%. Overall, it was a strong quarter as it also logged an impressive beat of analysts’ net interest income estimates and a beat of analysts’ EPS estimates.

The stock is up 9% since reporting and currently trades at $64.21.

Read our full, actionable report on 1st Source here, it’s free for active Edge members.

Columbia Banking System

Created through the merger of two Pacific Northwest banking institutions with deep regional roots, Columbia Banking System operates Umpqua Bank, providing commercial, consumer, and wealth management services across eight western states.

Columbia Banking System reported revenues of $582 million, up 17.2% year on year. This print surpassed analysts’ expectations by 1.9%. It was a very strong quarter as it also recorded a beat of analysts’ EPS estimates and an impressive beat of analysts’ tangible book value per share estimates.

The stock is up 8.2% since reporting and currently trades at $28.17.

Read our full, actionable report on Columbia Banking System here, it’s free for active Edge members.

What Happened?

A number of stocks jumped in the afternoon session after comments from a key Federal Reserve official boosted hopes for an interest rate cut. New York Federal Reserve President John Williams stated he sees “room for a further adjustment” in the near term, sparking a significant market rally. Following his remarks, the probability of the central bank cutting rates at its December meeting jumped from 39% to over 73%, according to the CME FedWatch tool. This positive sentiment provided relief to markets amid concerns over high valuations, particularly in AI-related stocks.

The stock market overreacts to news, and big price drops can present good opportunities to buy high-quality stocks.

Among others, the following stocks were impacted:

• Regional Banks company Stock Yards Bank jumped 3.7%. Is now the time to buy Stock Yards Bank? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company German American Bancorp jumped 3.6%. Is now the time to buy German American Bancorp? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company Republic Bancorp jumped 3.6%. Is now the time to buy Republic Bancorp? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company TriCo Bancshares jumped 3.6%. Is now the time to buy TriCo Bancshares? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company Regions Financial jumped 3.7%. Is now the time to buy Regions Financial? Access our full analysis report here, it’s free for active Edge members.

Zooming In On Stock Yards Bank (SYBT)

Stock Yards Bank’s shares are not very volatile and have only had 8 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful, although it might not be something that would fundamentally change its perception of the business.

The previous big move we wrote about was 28 days ago when the stock gained 3% on the news that a cooler-than-expected inflation report fueled optimism for potential Federal Reserve interest rate cuts. 

The September Consumer Price Index (CPI) report indicated a 3.0% year-over-year increase in prices, just below the 3.1% that economists had forecast. While still above the Federal Reserve's 2% target, investors interpreted this softer inflation reading as a sign that price pressures are easing. This development increases the likelihood that the central bank may move to cut interest rates. Lower interest rates can benefit banks by reducing their cost of funding and potentially stimulating loan demand from businesses and consumers. The positive sentiment was widespread, contributing to a broader market rally that saw the S&P 500, Dow, and Nasdaq all reach new record highs.

Stock Yards Bank is down 8% since the beginning of the year, and at $64.66 per share, it is trading 22.1% below its 52-week high of $83.01 from July 2025. Investors who bought $1,000 worth of Stock Yards Bank’s shares 5 years ago would now be looking at an investment worth $1,580.

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 Q3. Today, we are looking at regional banks stocks, starting with Triumph Financial (NASDAQ:TFIN).

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 satisfactory Q3. As a group, revenues missed analysts’ consensus estimates by 1.2%.

In light of this news, share prices of the companies have held steady. On average, they are relatively unchanged since the latest earnings results.

Triumph Financial (NASDAQ:TFIN)

Originally focused on traditional banking before pivoting to serve the transportation sector, Triumph Financial (NASDAQ:TFIN) provides specialized financial services to the trucking industry, including payments processing, factoring, banking, and data intelligence solutions.

Triumph Financial reported revenues of $109.3 million, up 3% year on year. This print fell short of analysts’ expectations by 1.4%. Overall, it was a slower quarter for the company with a significant miss of analysts’ tangible book value per share and net interest income estimates.

Interestingly, the stock is up 14.1% since reporting and currently trades at $54.70.

Read our full report on Triumph Financial here, it’s free for active Edge members.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $232.1 million, up 38.5% year on year, outperforming analysts’ expectations by 7%. The business had a stunning quarter with an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ revenue estimates.

The market seems content with the results as the stock is up 3.7% since reporting. It currently trades at $68.

Is now the time to buy Customers Bancorp? Access our full analysis of the earnings results here, it’s free for active Edge members.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.6 million, up 38.8% year on year, falling short of analysts’ expectations by 10%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.

As expected, the stock is down 17.9% since the results and currently trades at $63.26.

Read our full analysis of The Bancorp’s results here.

QCR Holdings

With roots dating back to 1993 and a name reflecting its original Quad Cities market, QCR Holdings (NASDAQGM:QCRH) operates four community banks across Iowa and Missouri, providing commercial, consumer banking, and trust services to businesses and individuals.

QCR Holdings reported revenues of $101.5 million, up 4.3% year on year. This number beat analysts’ expectations by 11.8%. It was an exceptional quarter as it also produced a beat of analysts’ EPS estimates and a solid beat of analysts’ revenue estimates.

The stock is up 5.5% since reporting and currently trades at $75.29.

Read our full, actionable report on QCR Holdings here, it’s free for active Edge members.

Republic Bancorp

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 $91.52 million, up 11% year on year. This result lagged analysts' expectations by 0.9%. Aside from that, it was a mixed quarter as it also recorded a narrow beat of analysts’ tangible book value per share estimates but a slight miss of analysts’ revenue estimates.

The stock is down 4.6% since reporting and currently trades at $65.45.

Read our full, actionable report on Republic Bancorp here, it’s free for active Edge members.

Market Update

Thanks to the Fed’s rate hikes in 2022 and 2023, inflation has been on a steady path downward, easing back toward that 2% sweet spot. Fortunately (miraculously to some), all this tightening didn’t send the economy tumbling into a recession, so here we are, cautiously celebrating a soft landing. The cherry on top? Recent rate cuts (half a point in September 2024, a quarter in November) have propped up markets, especially after Trump’s November win lit a fire under major indices and sent them to all-time highs. However, there’s still plenty to ponder — tariffs, corporate tax cuts, and what 2025 might hold for the economy.