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

$2.35B

P/E (TTM)

10.2

14.5

Dividend Yield

52W High

$81.65

52W Low

$40.51

52W Range

32%

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

Q4 2025 Data

Revenue

$169.84M-12.34%

4-Quarter Trend

EPS

$1.30+11.11%

4-Quarter Trend

FCF

-$36.80M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Rises 5% Net income increased 5% to $228.2M in 2025 from $217.5M in 2024; earnings per diluted share grew 15% to $4.92.

Fintech Fee Income Strong Total non-interest income grew 108% to $328.3M, driven by a $138.6M increase in Fintech loan credit enhancement income.

NIM Compression Continues Net interest margin decreased 54 basis points to 4.31%, primarily due to the strategic mix shift toward 0% interest Fintech loans.

Capital Ratios Remain Robust Company maintained strong capital levels; Total Capital ratio was 12.19% and Tier 1 Leverage ratio was 7.64% as of year-end.

Risk Factors

Fintech Deposit Concentration 95% of average total deposits are sourced from Fintech Solutions, creating significant dependency on partner relationships for funding stability.

Asset Quality Deterioration Total provision for credit losses surged to $177.7M, reflecting high net charge-offs of $156.9M, primarily in the Fintech portfolio.

Interest Rate Sensitivity Risk Continued growth in low-yield Fintech loans is expected to cause further compression in the average rate earned on the total loan portfolio.

Regulatory Threshold Proximity Total assets are near the $10B threshold, risking loss of small issuer exemptions and subjecting the Bank to heightened regulatory oversight.

Outlook

Fintech Growth Strategy Strategy focuses on expanding Fintech platform offerings and developing new partner relationships to drive stable, fee-based non-interest income.

Efficiency Through Technology The company continues investing in automation and AI tools to increase efficiency, expecting $8.0M in run-rate expense reductions starting in 2026.

Capital Return Focus Board authorized a $200.0M share repurchase plan for 2026, continuing the focus on returning capital to shareholders.

Peer Comparison

Revenue (TTM)

SNV

$3.33B

-0.6%

CADE

$2.91B

+0.1%

INTR

$2.61B

+50.1%

Gross Margin (Latest Quarter)

SNV

96.5%

+38.9pp

WSFS

75.9%

+2.6pp

TBBK

75.6%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CADE	$7.85B	14.7	9.1%	4.1%
SNV	$6.95B	8.7	14.5%	5.1%
ASB	$4.06B	8.5	9.8%	9.2%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-8.7%

Growth Under Pressure

4Q Net Income CAGR

-0.5%

Stable Profitability

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 22, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data