The Bancorp, Inc.

NASDAQ•TBBK

CEO: Mr. Damian M. Kozlowski

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

409 Silverside Road, Wilmington, DE, 19809, United States

302-385-5000

www.thebancorp.com

時価総額

$2.30B

PER (TTM)

10.0

14.2

配当利回り

52週高値

$81.65

52週安値

$40.51

52週レンジ

29%

順位47Top 61.9%

3.4

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.4 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$169.84M-12.34%

直近4四半期の推移

EPS

$1.30+11.11%

直近4四半期の推移

フリーCF

-$36.80M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

SNV

$3.33B

-0.6%

CADE

$2.91B

+0.1%

INTR

$2.61B

+50.1%

粗利益率 (最新四半期)

SNV

96.5%

+38.9pp

WSFS

75.9%

+2.6pp

TBBK

75.6%

+0.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
CADE	$7.85B	14.7	9.1%	4.1%
SNV	$6.95B	8.7	14.5%	5.1%
ASB	$4.04B	8.5	9.8%	9.2%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-8.7%

成長鈍化

4四半期純利益CAGR

-0.5%

収益性の安定

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし