Bancorp Inc (TBBK)
NASDAQ:TBBK
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Earnings Data
Report Date
Jul 23, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.36Last Year’s EPS
1.27Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive outlook: strong profitability (ROE 35.1%, ROA 2.57%), robust loan and revenue growth, rapid expansion in fintech credit sponsorship balances and fee income, and a clear capital-return plan with substantial share buybacks and maintained EPS guidance. At the same time, management acknowledged near-term margin pressure (NIM down 43 bps Q/Q) driven by mix shifts toward lower-yielding fintech lending and timing risks tied to partner launches and embedded finance monetization, plus some remaining asset-yield compression and operational items (Aubrey stabilization). Overall, the positive items (growth, profitability, fee diversification, buybacks and improving credit metrics) materially outweigh the mentioned challenges, though execution and timing risks remain important to monitor.Company Guidance
Strong Profitability Metrics and EPS Growth
Reported EPS of $1.41 (reference to quarter stated on call) with year-over-year EPS growth of 18%. First quarter ROE was 35.1% and ROA was 2.57%, demonstrating high profitability and capital efficiency.
Revenue and Fintech GDV Growth
Total revenue (fee + spread) grew 15% year-over-year. Fintech gross dollar volume (GDV) grew 18% year-over-year, underscoring continued fintech momentum and higher fee opportunity.
Rapid Loan Growth and Credit Sponsorship Expansion
Ending loans were $7.75 billion, representing 9% non-annualized linked-quarter growth and 22% year-over-year growth. Credit sponsorship balances increased to approximately $1.65 billion (reported also ~ $1.67B in Q&A), a ~50% non-annualized increase versus Q4 2025, and accounted for ~88% of linked-quarter loan growth.
Deposit Funding and Off-Balance Sheet Deposit Expansion
Average deposits grew 9% non-annualized linked quarter and fully funded the loan growth; average deposit cost fell to 1.7% (down 7 bps Q/Q and 53 bps YoY). Off-balance-sheet deposits rose to $1.34 billion from $850 million in Q4 and $793 million a year ago, supporting liquidity and partnership-based funding.
Improvement in Asset Quality Metrics
Criticized assets (substandard + special mention) declined from $194.5M to $163.1M, a 16% quarter-over-quarter reduction. REBL criticized loans fell $24M, or 29% Q/Q, to $59M and are down 75% over the last 18 months. Excluding fintech credit sponsorship loans, the traditional lending portfolio produced a provision reversal of $1.3M.
Fintech Fee Mix and Noninterest Income Improvement
Fintech fee revenue represented 29% of the mix (up from 27% prior quarter). Noninterest income mix (excluding credit enhancement) increased to 33% from 30% in the prior quarter and 29% a year ago, reflecting growing fee diversification.
Capital Return and Forward Guidance Maintained
Management maintained 2026 EPS guidance of $5.90 (with $1.75 targeted for Q4) and provided 2027 EPS guidance of $8.10 to $8.30. Share repurchases projected at $200 million for 2026 ($50M per quarter) and buybacks targeted at near 100% of net income in 2027, signaling strong capital return commitment.
Progress on New Fintech Initiatives
Launched the new 'Cash at' program (expected to ramp through 2026-2027) and the embedded finance platform is near completion of its first operational use case with at least one partner announcement planned in 2026; management reiterated plans for at least two additional significant program launches in 2026 (timing partner-dependent).
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 |
|---|---|---|---|
Apr 23, 2026 | $60.47 | $57.91 | -4.23% |
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% |
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 Jul 23, 2026, After Close (Confirmed).
What is Bancorp Inc (TBBK) earnings time?
Bancorp Inc (TBBK) earnings time is at Jul 23, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is TBBK EPS forecast?
TBBK EPS forecast for the fiscal quarter 2026 (Q2) is 1.36.