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The latest update is out from Bancorp ( (TBBK) ).
On January 29, 2026, The Bancorp reported fourth-quarter 2025 results showing net income of $56.3 million, or $1.28 per diluted share, up 11% from a year earlier, with a return on assets of 2.53% and return on equity of 30.4%. The quarter was characterized by a strong but slightly compressed net interest margin of 4.30%, robust loan growth to $7.12 billion, and especially rapid expansion in consumer fintech loans, which more than doubled year-on-year to $1.10 billion and helped lift fintech-related fees and total non-interest income to 46.7% of revenue. The bank also reported higher payment activity, with gross dollar volume on prepaid, debit and credit cards rising 16% versus the prior year, while criticized real estate bridge loans fell sharply, suggesting improving credit quality in that portfolio. Management acknowledged that despite record fourth-quarter EPS and ROE, results fell short of internal expectations due to the prolonged government shutdown’s drag on transaction volumes and deposits, delayed contribution from sponsored credit, net interest margin pressure, and an unexpected legal settlement, even as it continued aggressive capital return via $150 million of share repurchases in the quarter, equivalent to about 5% of shares outstanding, underscoring a strategy focused on fintech-driven growth and shareholder returns.
The most recent analyst rating on (TBBK) stock is a Hold with a $74.00 price target. To see the full list of analyst forecasts on Bancorp stock, see the TBBK Stock Forecast page.
Spark’s Take on TBBK Stock
According to Spark, TipRanks’ AI Analyst, TBBK is a Neutral.
The overall score reflects strong financial performance and reasonable valuation, tempered by technical indicators suggesting potential bearish momentum. The earnings call provided mixed signals, with fintech growth offset by lowered guidance and increased loan provisions.
To see Spark’s full report on TBBK stock, click here.
More about Bancorp
The Bancorp, Inc. (NASDAQ: TBBK), based in Wilmington, Delaware, is a financial holding company whose banking subsidiary, The Bancorp Bank, N.A., focuses on providing payment solutions and lending products, with a particular emphasis on supporting fintech partners through prepaid, debit and credit card issuance, consumer fintech lending, and related fee-based services.
Average Trading Volume: 601,069
Technical Sentiment Signal: Buy
Current Market Cap: $3B
Learn more about TBBK stock on TipRanks’ Stock Analysis page.