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The Bancorp, Inc.

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
$2.57B
PER (TTM)
10.6
14.8
配当利回り
--
52週高値
$81.65
52週安値
$40.51
52週レンジ
37%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

Synovus Financial Corp.SNV
$3.33B
-0.6%
Cadence BankCADE
$2.91B
+0.1%
Associated Banc-CorpASB
$2.45B
+16.5%

粗利益率 (最新四半期)

First Hawaiian, Inc.FHB
100.0%
+30.8pp
Synovus Financial Corp.SNV
96.5%
+38.9pp
WSFS Financial CorporationWSFS
75.9%
+2.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CADE$7.85B14.79.1%4.1%
SNV$6.95B8.714.5%5.1%
ASB$4.57B9.69.8%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:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月10日|
    売上高: $216.81M+26.3%
    |
    EPS: $1.20+13.2%
    予想を下回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $226.89M+35.0%
    |
    EPS: $1.28+21.9%
    予想通り

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月8日|
    売上高: $223.44M+35.3%
    |
    EPS: $1.21+13.1%
    予想通り

  • Form 10-K/A - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年4月7日|
    売上高: $710.11M+16.1%
    |
    EPS: $4.35+23.2%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月3日|修正版データを参照

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月7日|
    売上高: $171.71M+10.2%
    |
    EPS: $1.06+14.0%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $168.02M+7.9%
    |
    EPS: $1.05+18.0%
    予想通り

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月10日|
    売上高: $165.19M+9.3%
    |
    EPS: $1.07+20.2%
    予想通り