TBBK
The Bancorp, Inc.67.58
-1.05-1.53%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
3.11BP/E (TTM)
14.14Basic EPS (TTM)
4.78Dividend Yield
0%Recent Filings
10-Q
8-K
Q3 earnings up, fintech surges
The Bancorp reported Q3 2025 net income of $54.9 million, up 7% year-over-year, with EPS rising 13% to $1.18 amid aggressive share repurchases that trimmed outstanding shares by 8%. Fintech fees surged 19% to $35.1 million, fueled by 16% GDV growth to $44 billion, while consumer fintech loans ballooned 180% to $785 million, though provisions hit $39.8 million. Yet margins dipped to 4.45%. Buybacks boost returns.
8-K
Bancorp finishes $200M notes offering
The Bancorp completed a $200 million offering of 7.375% senior notes due 2030 on August 18, 2025, netting about $197 million after underwriting discounts. The company plans to redeem its $100 million 4.75% notes due 2025, fund share repurchases, and support bank growth for general purposes. Notes pay semi-annual interest starting March 2026 and are redeemable near maturity at par plus accrued interest. This bolsters liquidity while extending debt maturity.
10-Q
Q2 FY2025 results
The Bancorp posted solid Q2 FY2025 results, with net income climbing 11% year-over-year to $59.8 million, or $1.27 per diluted share, from $53.7 million, or $1.05, as net interest income edged up 3.9% to $97.5 million amid a 53 basis point contraction in net interest margin to 4.44% (derived), reflecting Federal Reserve rate cuts that trimmed loan yields by 116 basis points to 6.84% while deposit costs fell 27 basis points to 2.18%. Non-interest income surged 173% to $83.7 million, fueled by $43.2 million in consumer fintech credit enhancements offsetting a matching provision, plus 86% growth in ACH and payment fees to $5.6 million and 6% rise in prepaid/debit fees to $26.1 million; year-to-date, net income hit $117.0 million, up 6% from $110.1 million. Loans grew 7% quarter-over-quarter to $6.54 billion, driven by real estate bridge and consumer fintech, while deposits held steady at $7.77 billion; cash equivalents stood at $340 million with $1.03 billion in FHLB availability and no debt draws. Non-GAAP metrics not disclosed in the 10-Q. Yet regulatory scrutiny on payments and lending persists.
8-K
KBRA upgrades Bancorp ratings
The Bancorp, Inc. announced on August 4, 2025, that Kroll Bond Rating Agency upgraded its senior unsecured debt rating to BBB+ from BBB and short-term rating to K2 from K3, while boosting The Bancorp Bank's deposit rating to A- from BBB+. These enhancements reflect the company's leadership in banking-as-a-service, a 30% year-over-year surge in non-interest income to $78 million in H1 2025, and a robust CET1 ratio of 14.4%. Ratings now carry a Stable outlook. Stronger capital bolsters funding access.
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