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The Bancorp, Inc.

The Bancorp, Inc.

NASDAQ•TBBK
CEO: Mr. Damian M. Kozlowski
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2004-02-03
The Bancorp, Inc. operates as the bank holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, time, money market, and commercial accounts; overdrafts; and certificates of deposit. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; lease financing for commercial and government vehicle fleets, including trucks and other special purpose vehicles; commercial real estate bridge loans; and small business administration loans. In addition, it offers bill and other payment services; debit and prepaid card issuing services; card and bill payment, and automated clearing house processing services; and internet banking services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
Contact Information
409 Silverside Road, Wilmington, DE, 19809, United States
302-385-5000
www.thebancorp.com
Market Cap
$3.21B
P/E (TTM)
14.2
15.1
Dividend Yield
--
52W High
$81.65
52W Low
$40.51
52W Range
71%
Rank47Top 61.9%
3.4
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$216.81M+26.27%
4-Quarter Trend

EPS

$1.20+13.21%
4-Quarter Trend

FCF

$81.25M+65.23%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Rises Q3 Net Income grew to $54.9M ($1.18 diluted EPS) from $51.5M last year; Fintech fees drove strong non-interest income growth.
Loan Portfolio Expansion Total loans reached $6.67B, up from $6.11B year-end; Consumer fintech loans grew 15% sequentially to $785.0M balance.
Asset Quality Deterioration ACL to total loans ratio doubled to 0.96% YoY; NPL ratio increased significantly to 1.35% driven by specific loan category stress.
Net Interest Margin Compression Q3 NIM fell 33 basis points to 4.45% due to lower yields on earning assets, despite lower funding costs following Fed rate cuts.

Risk Factors

Rising Credit Quality Concerns ACL increased substantially due to consumer fintech provisioning; NPL ratio rose sharply, indicating potential future credit cost pressure.
Interest Rate Sensitivity NIM compressed 33 bps in Q3 as asset yields declined faster than liability costs, reflecting lagged adjustment to prior Fed rate changes.
Material Internal Control Weakness Disclosure controls remain ineffective due to material weaknesses in SEC filing procedures and credit enhancement accounting evaluation.
Institutional Banking Restructure Company plans Q4 restructuring of institutional banking to de-emphasize growth, expecting $1.3M charge and future expense savings.

Outlook

Fintech Growth Focus Continued focus on growing fintech revenues via new partnerships; restructuring institutional banking to reallocate balance sheet resources.
Capital Position Maintained Bank remains "Well capitalized" with Tier 1 ratio at 9.85%, supporting operations despite capital usage for share repurchases.
Credit Loss Expectations ACL adequacy review ongoing; consumer fintech credit enhancement asset correlates to expected recovery on significant recent provisioning.
Share Repurchase Activity Repurchased 2.0M shares in Q3 at $73.74 average price; capacity increased up to $500.0M through year-end 2026.

Peer Comparison

Revenue (TTM)

Synovus Financial Corp.SNV
$3.33B
-0.6%
Cadence BankCADE
$2.67B
+12.5%
Inter & Co, Inc.INTR
$2.29B
+45.1%

Gross Margin (Latest Quarter)

Synovus Financial Corp.SNV
96.5%
+38.9pp
First BanCorp.FBP
73.0%
+2.2pp
Fulton Financial CorporationFULT
67.4%
+4.1pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CADE$8.29B15.69.1%4.3%
SNV$6.95B8.714.5%5.1%
ASB$4.41B24.93.7%9.5%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
3.8%
Moderate Growth
4Q Net Income CAGR
-0.6%
Stable Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 29, 2026
|
EPS:$1.47
|
Revenue:$143.15M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 10, 2025|
    Revenue: $216.81M+26.3%
    |
    EPS: $1.20+13.2%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $226.89M+35.0%
    |
    EPS: $1.28+21.9%
    Meet

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $223.44M+35.3%
    |
    EPS: $1.21+13.1%
    Meet

  • Form 10-K/A - FY 2024

    Period End: Dec 31, 2024|Filed: Apr 7, 2025|
    Revenue: $710.11M+16.1%
    |
    EPS: $4.35+23.2%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 3, 2025|Refer to amended data

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $171.71M+10.2%
    |
    EPS: $1.06+14.0%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 9, 2024|
    Revenue: $168.02M+7.9%
    |
    EPS: $1.05+18.0%
    Meet

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $165.16M+9.3%
    |
    EPS: $1.07+20.2%
    Meet