8-K Announcements
6Apr 23, 2026·SEC
Jan 29, 2026·SEC
Nov 3, 2025·SEC
The Bancorp, Inc. (TBBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
The Bancorp, Inc. (TBBK) stock price & volume — 10-year historical chart
The Bancorp, Inc. (TBBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
The Bancorp, Inc. (TBBK) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.41vs $1.34+5.2% | $161Mvs $189M-14.8% |
| Q1 2026 | Jan 29, 2026 | $1.28vs $1.46-12.3% | $173Mvs $164M+5.2% |
| Q4 2025 | Oct 23, 2025 | $1.18vs $1.33-11.3% | $175Mvs $162M+7.6% |
| Q3 2025 | Jul 24, 2025 | $1.27vs $1.28-0.8% | $181Mvs $98M+85.3% |
The Bancorp, Inc. (TBBK) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison
The Bancorp, Inc. (TBBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
The Bancorp, Inc. (TBBK) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 106.68M | 120.85M | 141.29M | 194.87M | 210.88M | 248.84M | 354.05M | 376.24M | 375.51M |
| NII Growth % | 18.58% | 13.28% | 16.91% | 37.92% | 8.22% | 18% | 42.28% | 6.27% | -0.19% |
| Net Interest Margin % | 2.27% | 2.71% | 2.5% | 3.1% | 3.08% | 3.15% | 4.59% | 4.31% | 4.02% |
| Interest Income | 122.02M | 147.96M | 179.57M | 210.78M | 222.12M | 308.37M | 509.51M | 551.59M | 551.37M |
| Interest Expense | 15.34M | 27.11M | 38.28M | 15.92M | 11.24M | 59.53M | 155.46M | 175.35M | 175.86M |
| Loan Loss Provision | 2.92M | 3.58M | 4.4M | 6.35M | 3.11M | 7.03M | 8.33M | 39.37M | 1.83M |
| Non-Interest Income | 94.98M | 153.79M | 104.13M | 84.62M | 104.75M | 105.61M | 102.09M | 158.51M | 139.09M |
| Non-Interest Income % | 43.77% | 50.97% | 36.7% | 28.64% | 32.05% | 25.51% | 16.69% | 22.32% | 20.15% |
| Total Revenue | 217M▲ 0% | 301.75M▲ 39.1% | 283.7M▼ 6.0% | 295.4M▲ 4.1% | 326.86M▲ 10.7% | 413.98M▲ 26.7% | 611.6M▲ 47.7% | 710.11M▲ 16.1% | 690.46M▼ 2.8% |
| Revenue Growth % | 49.96% | 39.05% | -5.98% | 4.13% | 10.65% | 26.65% | 47.74% | 16.11% | -2.77% |
| Non-Interest Expense | 158.35M | 151.28M | 168.52M | 164.85M | 168.35M | 169.5M | 191.04M | 203.22M | 209.73M |
| Efficiency Ratio | 72.97% | 50.13% | 59.4% | 55.8% | 51.5% | 40.94% | 31.24% | 28.62% | 30.38% |
| Operating Income | 40.39M▲ 0% | 119.78M▲ 196.5% | 72.49M▼ 39.5% | 108.28M▲ 49.4% | 144.16M▲ 33.1% | 177.91M▲ 23.4% | 256.77M▲ 44.3% | 292.16M▲ 13.8% | 303.04M▲ 3.7% |
| Operating Margin % | 18.61% | 39.69% | 25.55% | 36.66% | 44.11% | 42.98% | 41.98% | 41.14% | 43.89% |
| Operating Income Growth % | 158.14% | 196.53% | -39.48% | 49.37% | 33.14% | 23.41% | 44.32% | 13.78% | 3.72% |
| Pretax Income | 40.39M▲ 0% | 119.78M▲ 196.5% | 72.49M▼ 39.5% | 108.28M▲ 49.4% | 144.16M▲ 33.1% | 177.91M▲ 23.4% | 256.77M▲ 44.3% | 292.16M▲ 13.8% | 303.04M▲ 3.7% |
| Pretax Margin % | 18.61% | 39.69% | 25.55% | 36.66% | 44.11% | 42.98% | 41.98% | 41.14% | 43.89% |
| Income Tax | 23.06M | 32.24M | 21.23M | 27.69M | 33.72M | 47.7M | 64.48M | 74.62M | 74.82M |
| Effective Tax Rate % | 57.08% | 26.92% | 29.28% | 25.57% | 23.39% | 26.81% | 25.11% | 25.54% | 24.69% |
| Net Income | 21.67M▲ 0% | 88.68M▲ 309.2% | 51.56M▼ 41.9% | 80.08M▲ 55.3% | 110.65M▲ 38.2% | 130.21M▲ 17.7% | 192.3M▲ 47.7% | 217.54M▲ 13.1% | 228.21M▲ 4.9% |
| Net Margin % | 9.99% | 29.39% | 18.17% | 27.11% | 33.85% | 31.45% | 31.44% | 30.63% | 33.05% |
| Net Income Growth % | 122.46% | 309.16% | -41.86% | 55.33% | 38.17% | 17.68% | 47.68% | 13.13% | 4.91% |
| Net Income (Continuing) | 17.34M | 87.54M | 51.27M | 80.6M | 110.44M | 130.21M | 192.3M | 217.54M | 228.21M |
| EPS (Diluted) | 0.39▲ 0% | 1.55▲ 297.4% | 0.90▼ 41.9% | 1.37▲ 52.2% | 1.88▲ 37.2% | 2.27▲ 20.7% | 3.49▲ 53.7% | 4.29▲ 22.9% | 4.92▲ 14.7% |
| EPS Growth % | 117.97% | 297.44% | -41.94% | 52.22% | 37.23% | 20.74% | 53.74% | 22.92% | 14.69% |
| EPS (Basic) | 0.39 | 1.57 | 0.91 | 1.39 | 1.93 | 2.30 | 3.53 | 4.35 | 4.99 |
| Diluted Shares Outstanding | 56.18M | 57.07M | 57.34M | 58.41M | 58.83M | 57.27M | 55.05M | 50.71M | 46.42M |
The Bancorp, Inc. (TBBK) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 2.14B | 1.79B | 2.27B | 1.55B | 1.56B | 1.65B | 1.79B | 620.77M | 1.68B |
| Cash & Due from Banks | 844.62M | 554.3M | 944.47M | 345.51M | 601.78M | 888.19M | 1.04B | 570.12M | 8.04M |
| Short Term Investments | 1.29B | 1.24B | 1.32B | 1.21B | 953.71M | 766.02M | 747.53M | 50.65M | 1.67B |
| Total Investments | 3.27B | 3.36B | 4.14B | 5.34B | 5.54B | 6.19B | 5.73B | 7.09B | 1.67B |
| Investments Growth % | -2.75% | 2.89% | 23.18% | 28.73% | 3.89% | 11.61% | -7.42% | 23.84% | -76.44% |
| Long-Term Investments | 1.98B | 2.13B | 2.82B | 4.13B | 4.59B | 5.42B | 4.98B | 7.04B | 0 |
| Accounts Receivables | 10.9M | 12.75M | 13.62M | 20.46M | 17.87M | 32.01M | 37.53M | 41.71M | 43.09M |
| Goodwill & Intangibles | 5.38M | 3.85M | 2.31M | 2.85M | 2.45M | 2.05M | 1.65M | 1.25M | 0 |
| Goodwill | 0 | 0 | 0 | 263K | 263K | 263K | 263K | 263K | 0 |
| Intangible Assets | 5.38M | 3.85M | 2.31M | 2.58M | 2.18M | 1.79M | 1.39M | 991K | 0 |
| PP&E (Net) | 20.05M | 18.89M | 17.54M | 17.61M | 16.16M | 18.4M | 27.47M | 27.57M | 0 |
| Other Assets | 144.3M | 66.84M | 87.04M | 82.5M | 117.5M | 123.02M | 165.67M | 273.26M | 18.68M |
| Total Current Assets | 2.53B | 2.2B | 2.71B | 2.03B | 2.1B | 2.32B | 2.51B | 1.36B | 1.72B |
| Total Non-Current Assets | 2.18B | 2.24B | 2.94B | 4.24B | 4.74B | 5.58B | 5.2B | 7.36B | 18.68M |
| Total Assets | 4.71B▲ 0% | 4.45B▼ 5.4% | 5.66B▲ 27.0% | 6.28B▲ 10.9% | 6.84B▲ 9.0% | 7.9B▲ 15.5% | 7.71B▼ 2.5% | 8.73B▲ 13.3% | 9.35B▲ 7.2% |
| Asset Growth % | -2.74% | -5.39% | 27.03% | 10.94% | 9.01% | 15.49% | -2.5% | 13.26% | 7.16% |
| Return on Assets (ROA) | 0.45% | 1.94% | 1.02% | 1.34% | 1.69% | 1.77% | 2.46% | 2.65% | 2.52% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 55.72M | 55.08M | 54.39M | 151.99M | 151.6M | 122.48M | 147.82M | 123.7M | 422.37M |
| Net Debt | -788.68M | -499.13M | -890M | -193.48M | -450.14M | -765.67M | -890.23M | -446.43M | 414.33M |
| Long-Term Debt | 55.72M | 55.08M | 54.39M | 151.99M | 151.6M | 122.48M | 147.82M | 123.7M | 223.37M |
| Short-Term Debt | 217K | 93K | 82K | 42K | 42K | 42K | 42K | 0 | 199M |
| Other Liabilities | 67.22M | 40.25M | 65.96M | 81.58M | 62.23M | 56.34M | 69.64M | 68.02M | 8.24B |
| Total Current Liabilities | 4.26B | 3.94B | 5.05B | 5.46B | 5.98B | 7.03B | 6.68B | 7.75B | 199M |
| Total Non-Current Liabilities | 122.94M | 95.33M | 120.35M | 233.57M | 213.83M | 178.81M | 217.46M | 191.71M | 8.46B |
| Total Liabilities | 4.38B | 4.05B | 5.17B | 5.7B | 6.19B | 7.21B | 6.9B | 7.94B | 8.66B |
| Total Equity | 324.15M▲ 0% | 406.78M▲ 25.5% | 484.5M▲ 19.1% | 581.16M▲ 20.0% | 652.45M▲ 12.3% | 694.03M▲ 6.4% | 807.28M▲ 16.3% | 789.78M▼ 2.2% | 689.8M▼ 12.7% |
| Equity Growth % | 8.52% | 25.49% | 19.11% | 19.95% | 12.27% | 6.37% | 16.32% | -2.17% | -12.66% |
| Equity / Assets (Capital Ratio) | 6.88% | 9.13% | 8.56% | 9.26% | 9.53% | 8.78% | 10.48% | 9.05% | 7.38% |
| Return on Equity (ROE) | 6.96% | 24.26% | 11.57% | 15.03% | 17.94% | 19.34% | 25.62% | 27.24% | 30.85% |
| Book Value per Share | 5.77 | 7.13 | 8.45 | 9.95 | 11.09 | 12.12 | 14.66 | 15.57 | 14.86 |
| Tangible BV per Share | 5.67 | 7.06 | 8.41 | 9.90 | 11.05 | 12.08 | 14.63 | 15.55 | 14.86 |
| Common Stock | 55.86M | 56.45M | 56.94M | 57.65M | 57.37M | 55.69M | 53.2M | 47.71M | 689.8M |
| Additional Paid-in Capital | 363.2M | 366.18M | 371.63M | 378.22M | 349.69M | 299.28M | 212.43M | 3.23M | 0 |
| Retained Earnings | -89.48M | -817K | 50.74M | 128.45M | 239.11M | 369.32M | 561.62M | 779.15M | 0 |
| Accumulated OCI | -4.56M | -14.17M | 6.05M | 17.71M | 6.29M | -30.26M | -19.97M | -17.64M | 0 |
| Treasury Stock | -866K | -866K | -866K | -866K | 0 | 0 | 0 | -22.68M | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
The Bancorp, Inc. (TBBK) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -28.09M | -173.96M | 66.88M | 120.69M | 83.89M | 119.61M | 186.72M | 227.65M | 265.01M |
| Operating CF Growth % | 82.66% | -519.28% | 138.45% | 80.45% | -30.49% | 42.58% | 56.1% | 21.92% | 16.41% |
| Net Income | 21.67M | 88.68M | 51.56M | 80.08M | 110.65M | 130.21M | 192.3M | 217.54M | 228.21M |
| Depreciation & Amortization | 5.98M | 5.53M | 5.23M | 3.76M | 3.3M | 2.9M | 3.07M | 4.55M | 0 |
| Deferred Taxes | 20.8M | 15.82M | 1.61M | -1.35M | 1.4M | 5.87M | -5.68M | 2.32M | 0 |
| Other Non-Cash Items | -69.81M | -286.25M | 3.17M | 26.76M | -7.25M | -4.72M | 16.62M | 19.68M | 13.15M |
| Working Capital Changes | -9.98M | -1.19M | -368K | 5M | -32.84M | -22.25M | -30.99M | -31.42M | 23.65M |
| Cash from Investing | -84.31M | 84.66M | -793.27M | -1.23B | -305.9M | -826.73M | 415.55M | -1.51B | -1.06B |
| Purchase of Investments | -579.92M | -134.76M | -157.48M | -34.66M | -259.06M | -24.18M | -48.99M | -991.22M | -435.91M |
| Sale/Maturity of Investments | 569.66M | 213.23M | 194.12M | 241.66M | 499.61M | 161.11M | 71.08M | 242.68M | 314.62M |
| Net Investment Activity | -10.26M | 78.47M | 36.64M | 207M | 240.55M | 136.93M | 22.09M | -748.54M | -121.29M |
| Acquisitions | 0 | 0 | 0 | -3.92M | 0 | 0 | 0 | 0 | 174K |
| Other Investing | -73.54M | 8.37M | -827.9M | -1.43B | -544.91M | -958.52M | 406.15M | -754.85M | -935.98M |
| Cash from Financing | 22.28M | -265.14M | 1.12B | 509.02M | 478.28M | 993.52M | -452.37M | 812.74M | 341.7M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -40M | -60M | -100M | -252.35M | -378.34M |
| Stock Issued | -200K | 112K | 258K | 866K | 3.43M | 320K | 104K | 0 | 2.06M |
| Net Stock Activity | -200K | 112K | 258K | 866K | -36.57M | -59.68M | -99.89M | -252.35M | -376.28M |
| Debt Issuance (Net) | 0 | 0 | 0 | 1000K | 0 | 0 | -1000K | -42K | 1000K |
| Other Financing | 22.28M | -265.14M | 1.12B | 409.99M | 514.85M | 1.05B | -349.2M | 1.07B | 419.45M |
| Net Change in Cash | -90.12M▲ 0% | -354.63M▼ 293.5% | 390.17M▲ 210.0% | -598.96M▼ 253.5% | 256.27M▲ 142.8% | 286.4M▲ 11.8% | 149.9M▼ 47.7% | -467.97M▼ 412.2% | -457.47M▲ 2.2% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 999.06M | 908.93M | 554.3M | 944.47M | 345.51M | 601.78M | 888.19M | 1.04B | 570.12M |
| Cash at End | 908.93M | 554.3M | 944.47M | 345.51M | 601.78M | 888.19M | 1.04B | 570.12M | 112.65M |
| Interest Paid | 15.33M | 27.02M | 37.53M | 13.31M | 11.71M | 57.6M | 156.27M | 173.8M | 0 |
| Income Taxes Paid | 4.16M | 12.66M | 20.68M | 23.04M | 44.34M | 37.79M | 82.55M | 80.83M | 0 |
| Free Cash Flow | -28.61M▲ 0% | -176.34M▼ 516.4% | 64.87M▲ 136.8% | 116.95M▲ 80.3% | 82.34M▼ 29.6% | 114.48M▲ 39.0% | 174.03M▲ 52.0% | 222.68M▲ 28.0% | 257.92M▲ 15.8% |
| FCF Growth % | 83.17% | -516.44% | 136.79% | 80.28% | -29.59% | 39.03% | 52.02% | 27.96% | 15.83% |
The Bancorp, Inc. (TBBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -31.14% | 6.96% | 24.26% | 11.57% | 15.03% | 17.94% | 19.34% | 25.62% | 27.24% | 30.85% |
| Return on Assets (ROA) | -2.01% | 0.45% | 1.94% | 1.02% | 1.34% | 1.69% | 1.77% | 2.46% | 2.65% | 2.52% |
| Net Interest Margin | 1.86% | 2.27% | 2.71% | 2.5% | 3.1% | 3.08% | 3.15% | 4.59% | 4.31% | 4.02% |
| Efficiency Ratio | 137.23% | 72.97% | 50.13% | 59.4% | 55.8% | 51.5% | 40.94% | 31.24% | 28.62% | 30.38% |
| Equity / Assets | 6.17% | 6.88% | 9.13% | 8.56% | 9.26% | 9.53% | 8.78% | 10.48% | 9.05% | 7.38% |
| Book Value / Share | 6.67 | 5.77 | 7.13 | 8.45 | 9.95 | 11.09 | 12.12 | 14.66 | 15.57 | 14.86 |
| NII Growth | 28.65% | 18.58% | 13.28% | 16.91% | 37.92% | 8.22% | 18% | 42.28% | 6.27% | -0.19% |
The Bancorp, Inc. (TBBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Jan 29, 2026·SEC
Nov 3, 2025·SEC
The Bancorp, Inc. (TBBK) stock FAQ — growth, dividends, profitability & financials explained
The Bancorp, Inc. (TBBK) saw revenue decline by 2.8% over the past year.
Yes, The Bancorp, Inc. (TBBK) is profitable, generating $228.2M in net income for fiscal year 2025 (33.1% net margin).
The Bancorp, Inc. (TBBK) has a return on equity (ROE) of 30.8%. This is excellent, indicating efficient use of shareholder capital.
The Bancorp, Inc. (TBBK) has a net interest margin (NIM) of 4.0%. This indicates healthy earnings from lending activities.
The Bancorp, Inc. (TBBK) has an efficiency ratio of 30.4%. This is excellent, indicating strong cost control.
The Bancorp, Inc. (TBBK) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates