8-K Announcements
6Material company update
Apr 23, 2026·SEC
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Jan 29, 2026·SEC
Material company update
Nov 3, 2025·SEC
The Bancorp, Inc.(TBBK)Earnings, Financials & Key Ratios
TBBK•NASDAQ•Banking & Credit
11.4× P/E·Price updated Jun 19, 2026
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%
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
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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TBBK Price & Volume
The Bancorp, Inc. (TBBK) stock price & volume — 10-year historical chart
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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
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$1.41+5.2%
$1.34
Rev
$161M-14.8%
$189M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$1.28-12.3%
$1.46
Rev
$173M+5.2%
$164M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$1.18-11.3%
$1.33
Rev
$135M-16.9%
$162M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$1.27-0.8%
$1.28
Rev
$181M+85.3%
$98M
| 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% | $135Mvs $162M-16.9% |
| Q3 2025 | Jul 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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CUBI | 2.55B | 75.79 | 12.22 | 3.94% | 15.84% | 11.25% | 0.81 | |
 INBK | 224.72M | 25.78 | -6.40 | -3.17% | -11.06% | -9.44% | 0.99 | |
 AXON | 34.11B | 423.40 | 280.40 | 33.47% | 6.91% | 6.58% | 0.59 | |
 BFH | 4.71B | 102.41 | 9.34 | -2.06% | 11.02% | 16.09% | 1.32 | |
 WSFS | 3.91B | 74.14 | 14.57 | -3.05% | 21.14% | 10.65% | 0.11 | |
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 GDOT | 722.67M | 12.75 | -7.12 | 20.69% | -3.25% | -7.74% | 0.07 | |
 PRTH | 590.49M | 7.17 | 10.54 | 8.33% | 5.85% |
Compare TBBK vs Peers
The Bancorp, Inc. (TBBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TBBK Income Statement
The Bancorp, Inc. (TBBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 |
TBBK Balance Sheet
The Bancorp, Inc. (TBBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 |
TBBK Cash Flow Statement
The Bancorp, Inc. (TBBK) cash flow — operating, investing & free cash flow history
| Metric | 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% |
TBBK Banking Ratios
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% |
Related:TBBK Dividend History·TBBK Revenue History·TBBK Price History·TBBK P/E History·TBBK Financial Ratios·TBBK Institutional Holders
TBBK SEC Filings & Documents
The Bancorp, Inc. (TBBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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.