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Bancorp Inc (TBBK)
NASDAQ:TBBK
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.5Last Year’s EPS
1.19Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple strong operational and financial positives: record ROE, meaningful GDV and fee growth, rapid expansion of credit sponsorship balances, improving credit metrics, active share repurchases, and bullish EPS guidance. Headwinds cited were mostly execution/timing, mix-related (NIM compression as fee mix rises), a modest legal settlement, temporary effects from a government shutdown, and a manageable subset of stressed real estate loans. On balance, management conveyed confidence in initiatives and provided concrete quantitative progress and guidance.Company Guidance
Earnings Per Share and EPS Growth
Diluted EPS of $1.28 in Q4 with year-over-year EPS growth of 11%.
Record Return on Equity
ROE was a record 30.4% in the quarter and 28.9% for the full year.
Strong GDV and Fee Growth
Gross dollar volume (GDV) grew 16% in the quarter versus the prior-year quarter and 17% for the full year; total fee growth for the year was 21%.
Rapid Credit Sponsorship Expansion
Credit sponsorship balances ended the quarter at ~$1.1 billion, up 40% sequentially and up 142% year-over-year; company exceeded its $1 billion target and expects to add at least two new partners.
Loan and Asset Growth
Ending assets increased to $9.4 billion (up 7% YoY). Total loans rose $919 million to $7.26 billion, including $644 million in consumer fintech loans which now constitute 15% of the loan portfolio.
Improving Credit Metrics
Criticized assets declined from $268 million to $194 million (28% quarter-over-quarter). Delinquencies fell from 2.19% to 1.6% quarter-over-quarter. Provision for loans (excluding fintech covered by credit enhancement) was $858k versus $5.8M in Q3; net charge-offs were $629k versus $3.3M in Q3.
Capital Return and Share Repurchases
Purchased $150 million of stock in Q4 (5% of outstanding shares) and $375 million for full year (12% of outstanding shares). 2026 buybacks forecast at $200 million (planned $50M per quarter).
Platform and Product Progress with Forward Guidance
Embedded finance platform on pace for an early-2026 launch; new program implementations (including Cash App) on track to drive GDV and fee revenue in 2026+. Company initiated 2026 EPS guidance of $5.90 and preliminary 2027 guidance of $8.25 (guidance assumes buybacks).
Revenue Mix and Liquidity
When excluding credit enhancement income, quarter revenue grew 3% YoY and noninterest income (ex-credit enhancement) accounted for just over 30% of revenue with ~90% of fees coming from fintech. Average deposits in the quarter were $7.6 billion with an average cost of 177 bps; liquidity described as very strong.
TBBK Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TBBK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 29, 2026 | $67.14 | $70.53 | +5.05% |
Oct 30, 2025 | $77.20 | $65.37 | -15.32% |
Jul 24, 2025 | $69.62 | $63.66 | -8.56% |
Apr 24, 2025 | $49.69 | $47.99 | -3.42% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bancorp Inc (TBBK) report earnings?
Bancorp Inc (TBBK) is schdueled to report earning on Apr 23, 2026, After Close (Confirmed).
What is Bancorp Inc (TBBK) earnings time?
Bancorp Inc (TBBK) earnings time is at Apr 23, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TBBK EPS forecast?
TBBK EPS forecast for the fiscal quarter 2026 (Q1) is 1.5.