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TBBK logoThe Bancorp, Inc.(TBBK)Earnings, Financials & Key Ratios

TBBK•NASDAQ•Banking & Credit
$59.50
$2.51B mkt cap·12.1× P/E·Price updated May 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryDigital banks and banking-as-a-service
AboutThe Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking, savings, money market, and commercial accounts; and prepaid and debit cards. It also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; institutional banking services; vehicle fleet, other equipment leasing, and commercial fleet leasing services consist of commercial vehicles, including trucks and special purpose vehicles, and equipment; and real estate bridge lending, as well as small business administration, commercial mortgage-backed, and commercial real estate loans. The company offers private label banking; credit and debit card payment processing services for independent service organizations; and internet banking services. The Bancorp, Inc. was incorporated in 1999 and is headquartered in Wilmington, Delaware.Show more
  • Net Interest Income$376M-0.2%
  • Total Revenue$690M-2.8%
  • Net Income$228M+4.9%
  • Return on Equity30.85%+13.2%
  • Net Interest Margin4.02%-6.9%
  • Efficiency Ratio30.38%+6.1%
  • ROA2.52%-4.6%
  • Equity / Assets7.38%-18.5%
  • Book Value per Share14.86-4.6%
  • Tangible BV/Share14.86-4.4%
  • Debt/Equity0.61+291.0%
Technical→

TBBK Key Insights

The Bancorp, Inc. (TBBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Excellent 3Y average ROE of 27.9%
  • ✓Strong 5Y profit CAGR of 23.3%
  • ✓Strong NIM of 4.0%
  • ✓Efficient operations: 30.4% efficiency ratio
  • ✓Share count reduced 8.5% through buybacks

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

TBBK Price & Volume

The Bancorp, Inc. (TBBK) stock price & volume — 10-year historical chart

Loading chart...

TBBK Growth Metrics

The Bancorp, Inc. (TBBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years12.29%
5 Years18.51%
3 Years18.59%
TTM-

Profit CAGR

10 Years32.75%
5 Years23.3%
3 Years20.57%
TTM4.91%

EPS CAGR

10 Years29.19%
5 Years29.14%
3 Years29.41%
TTM14.42%

Return on Capital

10 Years14.58%
5 Years19.95%
3 Years20.72%
Last Year5.98%

TBBK Recent Earnings

The Bancorp, Inc. (TBBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Apr 23, 2026
EPS
$1.41
Est $1.34
+5.2%
Revenue
$161M
Est $189M
-14.8%
Q1 2026
Jan 29, 2026
EPS
$1.28
Est $1.46
-12.3%
Revenue
$173M
Est $164M
+5.2%
Q4 2025
Oct 23, 2025
EPS
$1.18
Est $1.33
-11.3%
Revenue
$175M
Est $162M
+7.6%
Q3 2025
Jul 24, 2025
EPS
$1.27
Est $1.28
-0.8%
Revenue
$181M
Est $98M
+85.3%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$1.41vs $1.34+5.2%
$161Mvs $189M-14.8%
Q1 2026Jan 29, 2026
$1.28vs $1.46-12.3%
$173Mvs $164M+5.2%
Q4 2025Oct 23, 2025
$1.18vs $1.33-11.3%
$175Mvs $162M+7.6%
Q3 2025Jul 24, 2025
$1.27vs $1.28-0.8%
$181Mvs $98M+85.3%
Based on last 12 quarters of dataView full earnings history →

TBBK Peer Comparison

The Bancorp, Inc. (TBBK) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CUBI logoCUBICustomers Bancorp, Inc.Direct Competitor2.62B77.9112.573.94%11.25%0.81
INBK logoINBKFirst Internet BancorpDirect Competitor222.45M25.52-6.33-3.17%-9.44%0.99
AXON logoAXONAxon Enterprise, Inc.Direct Competitor34.4B426.89282.7133.47%6.91%6.58%0.59
BFH logoBFHBread Financial Holdings, Inc.Direct Competitor3.98B86.487.89-2.06%16.09%1.32
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.8B72.0614.16-3.05%10.65%0.11
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.61B32.3920.7618.79%13.25%0.12
GDOT logoGDOTGreen Dot CorporationProduct Competitor716.2M12.64-7.0620.69%-10.77%0.07
PRTH logoPRTHPriority Technology Holdings, Inc.Product Competitor451.31M5.518.108.33%5.84%

Compare TBBK vs Peers

The Bancorp, Inc. (TBBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CUBI

Most directly comparable listed peer for TBBK.

Scale Benchmark

vs V

Larger-name benchmark to compare TBBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs CUBI, INBK, AXON, BFH

TBBK Income Statement

The Bancorp, Inc. (TBBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income106.68M120.85M141.29M194.87M210.88M248.84M354.05M376.24M375.51M
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 Income122.02M147.96M179.57M210.78M222.12M308.37M509.51M551.59M551.37M
Interest Expense15.34M27.11M38.28M15.92M11.24M59.53M155.46M175.35M175.86M
Loan Loss Provision2.92M3.58M4.4M6.35M3.11M7.03M8.33M39.37M1.83M
Non-Interest Income94.98M153.79M104.13M84.62M104.75M105.61M102.09M158.51M139.09M
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 Expense158.35M151.28M168.52M164.85M168.35M169.5M191.04M203.22M209.73M
Efficiency Ratio72.97%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 Tax23.06M32.24M21.23M27.69M33.72M47.7M64.48M74.62M74.82M
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)17.34M87.54M51.27M80.6M110.44M130.21M192.3M217.54M228.21M
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)0.391.570.911.391.932.303.534.354.99
Diluted Shares Outstanding56.18M57.07M57.34M58.41M58.83M57.27M55.05M50.71M46.42M

TBBK Balance Sheet

The Bancorp, Inc. (TBBK) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments2.14B1.79B2.27B1.55B1.56B1.65B1.79B620.77M1.68B
Cash & Due from Banks844.62M554.3M944.47M345.51M601.78M888.19M1.04B570.12M8.04M
Short Term Investments1.29B1.24B1.32B1.21B953.71M766.02M747.53M50.65M1.67B
Total Investments3.27B3.36B4.14B5.34B5.54B6.19B5.73B7.09B1.67B
Investments Growth %-2.75%2.89%23.18%28.73%3.89%11.61%-7.42%23.84%-76.44%
Long-Term Investments1.98B2.13B2.82B4.13B4.59B5.42B4.98B7.04B0
Accounts Receivables10.9M12.75M13.62M20.46M17.87M32.01M37.53M41.71M43.09M
Goodwill & Intangibles5.38M3.85M2.31M2.85M2.45M2.05M1.65M1.25M0
Goodwill000263K263K263K263K263K0
Intangible Assets5.38M3.85M2.31M2.58M2.18M1.79M1.39M991K0
PP&E (Net)20.05M18.89M17.54M17.61M16.16M18.4M27.47M27.57M0
Other Assets144.3M66.84M87.04M82.5M117.5M123.02M165.67M273.26M18.68M
Total Current Assets2.53B2.2B2.71B2.03B2.1B2.32B2.51B1.36B1.72B
Total Non-Current Assets2.18B2.24B2.94B4.24B4.74B5.58B5.2B7.36B18.68M
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 Payable000000000
Total Debt55.72M55.08M54.39M151.99M151.6M122.48M147.82M123.7M422.37M
Net Debt-788.68M-499.13M-890M-193.48M-450.14M-765.67M-890.23M-446.43M414.33M
Long-Term Debt55.72M55.08M54.39M151.99M151.6M122.48M147.82M123.7M223.37M
Short-Term Debt217K93K82K42K42K42K42K0199M
Other Liabilities67.22M40.25M65.96M81.58M62.23M56.34M69.64M68.02M8.24B
Total Current Liabilities4.26B3.94B5.05B5.46B5.98B7.03B6.68B7.75B199M
Total Non-Current Liabilities122.94M95.33M120.35M233.57M213.83M178.81M217.46M191.71M8.46B
Total Liabilities4.38B4.05B5.17B5.7B6.19B7.21B6.9B7.94B8.66B
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 Share5.777.138.459.9511.0912.1214.6615.5714.86
Tangible BV per Share5.677.068.419.9011.0512.0814.6315.5514.86
Common Stock55.86M56.45M56.94M57.65M57.37M55.69M53.2M47.71M689.8M
Additional Paid-in Capital363.2M366.18M371.63M378.22M349.69M299.28M212.43M3.23M0
Retained Earnings-89.48M-817K50.74M128.45M239.11M369.32M561.62M779.15M0
Accumulated OCI-4.56M-14.17M6.05M17.71M6.29M-30.26M-19.97M-17.64M0
Treasury Stock-866K-866K-866K-866K000-22.68M0
Preferred Stock000000000

TBBK Cash Flow Statement

The Bancorp, Inc. (TBBK) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations-28.09M-173.96M66.88M120.69M83.89M119.61M186.72M227.65M265.01M
Operating CF Growth %82.66%-519.28%138.45%80.45%-30.49%42.58%56.1%21.92%16.41%
Net Income21.67M88.68M51.56M80.08M110.65M130.21M192.3M217.54M228.21M
Depreciation & Amortization5.98M5.53M5.23M3.76M3.3M2.9M3.07M4.55M0
Deferred Taxes20.8M15.82M1.61M-1.35M1.4M5.87M-5.68M2.32M0
Other Non-Cash Items-69.81M-286.25M3.17M26.76M-7.25M-4.72M16.62M19.68M13.15M
Working Capital Changes-9.98M-1.19M-368K5M-32.84M-22.25M-30.99M-31.42M23.65M
Cash from Investing-84.31M84.66M-793.27M-1.23B-305.9M-826.73M415.55M-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 Investments569.66M213.23M194.12M241.66M499.61M161.11M71.08M242.68M314.62M
Net Investment Activity-10.26M78.47M36.64M207M240.55M136.93M22.09M-748.54M-121.29M
Acquisitions000-3.92M0000174K
Other Investing-73.54M8.37M-827.9M-1.43B-544.91M-958.52M406.15M-754.85M-935.98M
Cash from Financing22.28M-265.14M1.12B509.02M478.28M993.52M-452.37M812.74M341.7M
Dividends Paid000000000
Share Repurchases0000-40M-60M-100M-252.35M-378.34M
Stock Issued-200K112K258K866K3.43M320K104K02.06M
Net Stock Activity-200K112K258K866K-36.57M-59.68M-99.89M-252.35M-376.28M
Debt Issuance (Net)0001000K00-1000K-42K1000K
Other Financing22.28M-265.14M1.12B409.99M514.85M1.05B-349.2M1.07B419.45M
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 Effect000000000
Cash at Beginning999.06M908.93M554.3M944.47M345.51M601.78M888.19M1.04B570.12M
Cash at End908.93M554.3M944.47M345.51M601.78M888.19M1.04B570.12M112.65M
Interest Paid15.33M27.02M37.53M13.31M11.71M57.6M156.27M173.8M0
Income Taxes Paid4.16M12.66M20.68M23.04M44.34M37.79M82.55M80.83M0
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%

TBBK Banking Ratios

The Bancorp, Inc. (TBBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin1.86%2.27%2.71%2.5%3.1%3.08%3.15%4.59%4.31%4.02%
Efficiency Ratio137.23%72.97%50.13%59.4%55.8%51.5%40.94%31.24%28.62%30.38%
Equity / Assets6.17%6.88%9.13%8.56%9.26%9.53%8.78%10.48%9.05%7.38%
Book Value / Share6.675.777.138.459.9511.0912.1214.6615.5714.86
NII Growth28.65%18.58%13.28%16.91%37.92%8.22%18%42.28%6.27%-0.19%

TBBK SEC Filings & Documents

The Bancorp, Inc. (TBBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Jan 29, 2026·SEC

Material company update

Nov 3, 2025·SEC

10-K Annual Reports

3
FY 2026

Feb 25, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 8, 2025·SEC

TBBK Frequently Asked Questions

The Bancorp, Inc. (TBBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

The Bancorp, Inc. (TBBK) has a return on equity (ROE) of 30.8%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

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.

Explore More TBBK

The Bancorp, Inc. (TBBK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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