TBBK
The Bancorp, Inc.67.58
-1.05-1.53%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Key Stats
Market Cap
3.11BP/E (TTM)
14.14Basic EPS (TTM)
4.78Dividend Yield
0%Recent Filings
10-K
8-K
10-Q
Q3 FY2025 results
The Bancorp delivered Q3 net income of $54.9M, up 6.6% y/y, with diluted EPS at $1.18 versus $1.04 (derived from weighted average diluted shares of 46.5M confirming calculation). Net interest income edged up 0.5% y/y to $94.2M amid Fed rate cuts, while fintech fees surged 19% to $35.1M on volume growth; consumer fintech provisions offset by matching credit enhancements left earnings untouched. Loans hit $6.67B, up q/q, yet non-performing loans climbed to 1.35% (derived). Issued $200M senior notes due 2030 at 7.375% to refinance maturing debt; repurchased $150M in shares. Cash dipped to $85M, FHLB availability $2.78B. REBL delinquencies pressure asset quality.
8-K
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.
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