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Bancorp (TBBK) Financials

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$76.36 +3.80 (+5.24%)
Closing price 04:00 PM Eastern
Extended Trading
$76.38 +0.02 (+0.03%)
As of 04:10 PM Eastern
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Annual Income Statements for Bancorp

Annual Income Statements for Bancorp

This table shows Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 13 -96 22 89 52 80 111 130 192 218
Consolidated Net Income / (Loss)		 13 -96 22 89 52 80 111 130 192 218
Net Income / (Loss) Continuing Operations		 5.36 -57 17 88 51 81 110 130 192 218
Total Pre-Tax Income 		6.81 -69 40 120 72 108 144 178 257 292
Total Revenue		 203 132 198 275 245 279 316 355 466 523
Net Interest Income / (Expense)		 70 90 107 121 141 195 211 249 354 376
Total Interest Income		 84 102 122 148 180 211 222 308 510 552
Loans and Leases Interest Income		 50 68 79 95 127 171 193 276 437 459
Investment Securities Interest Income		 31 32 36 42 42 38 29 26 39 66
Deposits and Money Market Investments Interest Income		 2.35 2.24 5.20 8.74 10 1.89 0.72 6.76 34 26
Total Interest Expense		 14 12 15 27 38 16 11 59 155 175
Deposits Interest Expense		 13 11 14 26 34 13 5.62 51 149 164
Short-Term Borrowings Interest Expense		 0.01 0.36 0.34 0.45 3.13 0.20 0.05 1.54 0.27 2.47
Long-Term Debt Interest Expense		 0.45 0.52 0.59 0.71 0.75 2.44 5.57 6.78 6.66 8.51
Total Non-Interest Income		 133 42 92 154 104 85 105 106 112 146
Other Service Charges		 71 72 70 57 77 85 83 87 102 120
Net Realized & Unrealized Capital Gains on Investments		 58 6.07 19 86 24 -3.87 15 14 3.75 2.73
Other Non-Interest Income		 4.02 -36 2.64 12 3.24 3.25 6.46 4.82 6.32 24
Provision for Credit Losses		 2.10 3.36 2.92 3.59 4.40 6.35 3.11 7.11 18 27
Total Non-Interest Expense		 194 199 155 151 169 165 168 170 191 203
Salaries and Employee Benefits		 68 82 76 80 94 102 106 105 121 132
Net Occupancy & Equipment Expense		 22 23 16 12 12 10 9.68 10 11 12
Property & Liability Insurance Claims		 15 17 18 17 12 15 12 8.30 6.81 6.94
Other Operating Expenses		 83 70 39 38 45 34 37 43 49 48
Depreciation Expense		 4.75 4.98 4.45 4.00 3.70 3.20 2.90 2.90 3.07 4.16
Income Tax Expense		 1.45 -13 23 32 21 28 34 48 64 75
Basic Earnings per Share		 $0.35 ($2.17) $0.39 $1.57 $0.91 $1.39 $1.93 $2.30 $3.52 $4.35
Weighted Average Basic Shares Outstanding		 64M 108.40M 270.90M 56.47M 57.40M 57.93M 57.19M 56.56M 54.51M 50.06M
Diluted Earnings per Share		 $0.35 ($2.17) $0.39 $1.55 $0.90 $1.37 $1.88 $2.27 $3.49 $4.29
Weighted Average Diluted Shares Outstanding		 64M 108.40M 270.90M 56.47M 57.40M 57.93M 58.83M 57.27M 55.05M 50.71M
Weighted Average Basic & Diluted Shares Outstanding		 64M 108.40M 270.90M 56.47M 57.40M 57.93M 57.40M 55.59M 52.75M 48.07M

Quarterly Income Statements for Bancorp

This table shows Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 31 40 49 49 74 20 56 54 81 27 45
Consolidated Net Income / (Loss)		 31 40 49 49 50 44 56 54 52 56 57
Net Income / (Loss) Continuing Operations		 31 40 49 49 74 20 56 54 81 27 45
Total Pre-Tax Income 		42 56 65 66 66 59 75 72 69 76 75
Total Revenue		 88 106 115 117 140 95 124 125 155 119 163
Net Interest Income / (Expense)		 65 77 86 87 89 92 94 94 94 94 92
Total Interest Income		 84 107 122 126 129 132 136 137 140 139 92
Loans and Leases Interest Income		 76 95 106 107 111 112 114 115 116 113 109
Investment Securities Interest Income		 6.82 8.51 9.33 9.92 9.69 10 9.67 18 20 19 18
Deposits and Money Market Investments Interest Income		 1.53 3.89 6.59 9.00 8.69 9.36 12 4.68 3.39 6.38 13
Other Interest Income		 - - - - - - - - - - -48
Total Interest Expense		 19 30 36 39 40 40 41 44 46 45 47
Deposits Interest Expense		 16 28 34 37 38 38 39 40 43 43 46
Short-Term Borrowings Interest Expense		 1.24 0.27 0.23 0.00 0.00 0.04 0.02 1.30 1.03 0.13 0.00
Long-Term Debt Interest Expense		 1.96 2.00 1.67 1.68 1.66 1.66 2.21 2.21 2.22 1.87 0.45
Total Non-Interest Income		 23 29 29 29 27 27 29 31 32 54 84
Other Service Charges		 22 22 26 26 49 1.79 28 29 60 3.69 116
Net Realized & Unrealized Capital Gains on Investments		 0.75 5.72 1.73 1.92 0.53 -0.43 1.10 0.50 0.61 0.53 0.36
Other Non-Interest Income		 1.05 1.26 1.49 1.51 1.77 1.56 0.39 1.43 1.07 21 1.97
Provision for Credit Losses		 0.82 6.23 1.90 0.36 1.75 14 2.17 1.25 3.56 20 47
Total Non-Interest Expense		 45 43 48 50 47 46 47 51 53 52 53
Salaries and Employee Benefits		 28 28 30 33 30 28 30 34 34 34 34
Net Occupancy & Equipment Expense		 2.56 2.61 2.72 2.76 2.91 3.04 3.06 3.11 3.14 3.10 2.77
Property & Liability Insurance Claims		 1.59 1.65 1.91 1.42 2.01 1.46 1.67 1.50 1.96 1.82 3.01
Other Operating Expenses		 12 11 13 12 11 13 11 12 13 12 13
Depreciation Expense		 0.69 0.68 0.72 0.68 0.64 1.03 0.95 1.03 1.05 1.13 1.10
Income Tax Expense		 12 16 16 17 16 15 18 18 18 20 18
Basic Earnings per Share		 $0.54 $0.71 $0.89 $0.89 $0.93 $0.81 $1.07 $1.05 $1.06 $1.17 $1.21
Weighted Average Basic Shares Outstanding		 55.98M 56.56M 55.45M 54.87M 54.18M 54.51M 52.75M 50.94M 48.76M 50.06M 47.21M
Diluted Earnings per Share		 $0.54 $0.70 $0.88 $0.89 $0.92 $0.80 $1.06 $1.05 $1.04 $1.14 $1.19
Weighted Average Diluted Shares Outstanding		 55.98M 57.27M 56.05M 55.27M 54.74M 55.05M 53.33M 51.34M 49.48M 50.71M 47.96M
Weighted Average Basic & Diluted Shares Outstanding		 55.98M 55.59M 54.69M 54.28M 53.66M 52.75M 51.76M 48.96M 47.93M 48.07M 46.71M

Annual Cash Flow Statements for Bancorp

This table details how cash moves in and out of Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 41 -156 -90 -355 390 -599 256 286 150 -468
Net Cash From Operating Activities		 -235 -162 -28 -174 67 121 84 120 187 230
Net Cash From Continuing Operating Activities		 -235 -162 -28 -174 67 121 84 120 187 230
Net Income / (Loss) Continuing Operations		 13 -96 22 89 52 80 111 130 192 218
Consolidated Net Income / (Loss)		 5.36 -57 17 88 51 81 110 130 192 218
Provision For Loan Losses		 2.10 3.36 2.92 3.59 4.40 6.35 3.11 7.11 18 27
Depreciation Expense		 5.93 6.39 5.98 5.53 5.23 3.76 3.30 2.90 3.07 4.16
Amortization Expense		 13 8.20 11 16 20 16 3.46 1.70 1.02 -2.61
Non-Cash Adjustments to Reconcile Net Income		 -283 -102 -60 -286 -16 7.68 -2.62 0.89 2.99 14
Changes in Operating Assets and Liabilities, net		 14 18 -9.83 -1.83 1.07 6.99 -34 -23 -31 -31
Net Cash From Investing Activities		 501 -155 -84 84 -793 -1,229 -306 -827 415 -1,510
Net Cash From Continuing Investing Activities		 501 -155 -84 84 -793 -1,229 -306 -827 415 -1,510
Purchase of Property, Leasehold Improvements and Equipment		 -9.00 -13 -0.52 -2.38 -2.01 -3.74 -1.55 -5.13 -13 -4.97
Purchase of Investment Securities		 -551 -698 -753 -250 -2,275 -875 -1,355 -1,703 93 -1,869
Sale of Property, Leasehold Improvements and Equipment		 299 180 55 102 55 26 33 0.00 0.00 0.13
Sale and/or Maturity of Investments		 750 362 570 214 174 249 493 165 85 255
Other Investing Activities, net		 - - -7.99 9.57 1,235 -633 518 716 250 108
Net Cash From Financing Activities		 -226 161 22 -265 1,117 509 478 994 -452 813
Net Cash From Continuing Financing Activities		 -226 161 22 -265 1,117 509 478 994 -452 813
Net Change in Deposits		 -207 -176 23 -325 1,116 410 515 1,053 -349 1,065
Issuance of Common Equity		 - 75 - - - - 3.43 0.32 0.10 0.00
Repayment of Debt		 - - - - - - 0.00 0.00 -3.27 0.00
Repurchase of Common Equity		 - - -0.20 - 0.00 0.00 -40 -60 -100 -252
Other Financing Activities, Net		 -18 -0.65 -0.06 60 0.25 0.83 - 0.00 0.00 -0.04
Cash Interest Paid		 13 12 15 27 38 13 12 58 156 174
Cash Income Taxes Paid		 0.59 1.50 4.16 13 21 23 44 38 83 81

Quarterly Cash Flow Statements for Bancorp

This table details how cash moves in and out of Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 380 165 -101 93 23 135 212 -845 -350 514 451
Net Cash From Operating Activities		 28 51 43 29 53 61 75 17 51 86 133
Net Cash From Continuing Operating Activities		 28 51 43 29 53 61 75 17 51 86 133
Net Income / (Loss) Continuing Operations		 31 40 49 49 50 44 56 54 52 56 57
Consolidated Net Income / (Loss)		 31 40 49 49 50 44 56 54 52 56 57
Provision For Loan Losses		 0.82 2.78 1.90 0.36 1.75 14 2.17 1.25 3.56 20 47
Depreciation Expense		 0.78 0.38 0.82 0.78 0.45 1.03 1.05 1.13 0.85 1.13 1.10
Amortization Expense		 0.41 0.35 0.31 0.07 0.33 0.32 0.32 -0.78 -1.05 -1.10 -1.11
Non-Cash Adjustments to Reconcile Net Income		 -3.40 10 2.20 1.09 2.41 -2.70 2.25 3.01 3.22 5.75 4.24
Changes in Operating Assets and Liabilities, net		 -0.77 -2.81 -11 -22 -1.83 4.11 13 -41 -6.87 4.13 24
Net Cash From Investing Activities		 -279 10 206 174 113 -78 -22 -1,026 -256 -207 -262
Net Cash From Continuing Investing Activities		 -279 10 206 174 113 -78 -22 -1,026 -255 -208 -262
Purchase of Property, Leasehold Improvements and Equipment		 -39 36 -3.67 -5.80 -2.90 -0.32 -1.60 -1.64 -1.12 -0.61 -2.53
Purchase of Investment Securities		 -514 -224 88 76 65 -136 -108 -1,097 -363 -300 -321
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - - 0.06 - 0.09
Sale and/or Maturity of Investments		 80 37 -11 -14 -16 126 39 53 97 66 49
Other Investing Activities, net		 194 161 133 118 67 -68 49 20 13 27 12
Net Cash From Financing Activities		 631 104 -350 -110 -144 151 159 164 -145 635 581
Net Cash From Continuing Financing Activities		 631 104 -350 -110 -144 151 159 164 -145 635 581
Net Change in Deposits		 1,031 119 -325 -82 -119 176 210 265 -230 820 619
Repurchase of Common Equity		 -15 -15 -25 -25 -25 -25 -50 -101 -50 -51 -38
Other Financing Activities, Net		 - - 0.00 - - - -0.04 - - - 0.00
Cash Interest Paid		 20 28 38 38 41 39 42 43 46 42 50
Cash Income Taxes Paid		 9.20 7.62 1.94 52 14 15 1.10 50 11 19 1.40

Annual Balance Sheets for Bancorp

This table presents Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 4,766 4,858 4,708 4,438 5,657 6,277 6,843 7,903 7,706 8,728
Cash and Due from Banks		 7.64 4.13 3.15 2.44 20 5.98 - 24 4.82 6.06
Interest Bearing Deposits at Other Banks		 1,148 956 841 552 925 340 - 864 1,033 564
Trading Account Securities		 1,654 2,044 1,948 2,009 2,586 3,017 2,342 1,355 1,080 1,726
Loans and Leases, Net of Allowance		 1,074 1,217 1,385 1,493 1,814 2,636 3,729 5,464 5,334 6,082
Loans and Leases		 1,078 1,223 1,392 1,502 1,824 2,652 3,747 5,487 5,361 6,114
Allowance for Loan and Lease Losses		 4.40 6.33 7.10 8.65 10 16 18 22 27 32
Premises and Equipment, Net		 22 24 20 19 18 18 16 18 27 28
Intangible Assets		 4.93 6.91 5.38 3.85 2.32 2.85 2.45 2.05 1.65 1.25
Other Assets		 857 606 504 358 293 258 128 175 224 321
Total Liabilities & Shareholders' Equity		 4,766 4,858 4,708 4,438 5,657 6,277 657 7,903 7,706 8,728
Total Liabilities		 4,446 4,559 4,384 4,031 5,172 5,696 6,191 7,209 6,898 7,938
Interest Bearing Deposits		 4,415 4,238 4,261 3,936 5,052 5,462 - 7,030 6,681 7,746
Short-Term Debt		 0.93 0.27 0.22 0.09 0.08 0.04 - 0.04 0.04 0.00
Long-Term Debt		 13 277 56 55 54 152 - 122 148 124
Other Long-Term Liabilities		 17 44 67 40 66 82 62 56 70 68
Total Equity & Noncontrolling Interests		 320 299 324 407 484 581 595 694 807 790
Total Preferred & Common Equity		 320 299 324 407 484 581 652 694 807 790
Total Common Equity		 320 299 324 407 484 581 595 694 807 790
Common Stock		 338 416 419 423 429 435 350 355 266 51
Retained Earnings		 -15 -112 -89 -0.82 51 128 239 369 562 779
Treasury Stock		 -0.87 -0.87 -0.87 -0.87 -0.87 - - - 0.00 -23
Accumulated Other Comprehensive Income / (Loss)		 -2.09 -4.21 -4.56 -14 6.05 18 6.29 -30 -20 -18

Quarterly Balance Sheets for Bancorp

This table presents Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 7,777 7,607 7,543 7,466 7,916 8,145 8,095 9,386
Cash and Due from Banks		 23 14 6.50 4.88 9.11 5.74 8.66 9.68
Interest Bearing Deposits at Other Banks		 700 773 874 899 1,241 400 47 1,012
Trading Account Securities		 791 1,281 1,173 1,136 1,001 1,846 1,840 1,700
Loans and Leases, Net of Allowance		 5,248 5,331 5,244 5,175 5,431 5,577 5,876 6,328
Loans and Leases		 5,267 5,354 5,268 5,199 5,459 5,606 5,907 6,380
Allowance for Loan and Lease Losses		 20 24 23 24 29 29 31 52
Premises and Equipment, Net		 18 21 26 29 27 28 28 27
Intangible Assets		 2.15 1.95 1.85 1.75 1.55 1.45 1.35 1.15
Other Assets		 177 185 217 221 205 287 293 309
Total Liabilities & Shareholders' Equity		 7,777 7,607 7,543 7,466 7,916 8,145 8,095 9,386
Total Liabilities		 7,113 6,882 6,794 6,692 7,099 7,368 7,279 8,556
Interest Bearing Deposits		 6,911 6,705 6,623 6,504 6,891 7,156 6,926 8,365
Long-Term Debt		 151 123 119 119 148 148 148 124
Other Long-Term Liabilities		 51 55 52 69 61 65 71 68
Total Equity & Noncontrolling Interests		 664 725 749 774 817 777 815 830
Total Preferred & Common Equity		 664 725 749 774 817 777 815 830
Total Common Equity		 664 725 749 774 817 777 815 830
Common Stock		 368 333 311 288 219 121 75 56
Retained Earnings		 329 418 467 518 618 672 723 836
Treasury Stock		 - - - - - - - -60
Accumulated Other Comprehensive Income / (Loss)		 -33 -26 -29 -32 -20 -16 17 -1.84

Annual Metrics And Ratios for Bancorp

This table displays calculated financial ratios and metrics derived from Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 40.51% -34.75% 49.66% 38.55% -10.64% 13.88% 12.93% 12.32% 31.49% 12.14%
EBITDA Growth		 -5.38% -314.20% 204.21% 146.40% -30.43% 30.40% 18.03% 20.94% 42.93% 12.59%
EBIT Growth		 -6.61% -1,120.28% 158.14% 196.53% -39.48% 49.37% 33.14% 23.41% 44.32% 13.78%
NOPAT Growth		 -75.43% -1,007.40% 135.65% 404.90% -41.43% 57.21% 37.03% 17.90% 47.68% 13.13%
Net Income Growth		 -76.48% -818.37% 122.46% 309.16% -41.86% 55.33% 38.17% 17.68% 47.68% 13.13%
EPS Growth		 -76.51% -720.00% 117.97% 297.44% -41.94% 52.22% 37.23% 20.74% 53.74% 22.92%
Operating Cash Flow Growth		 -369.83% 31.04% 82.66% -519.28% 138.45% 80.45% -30.49% 42.58% 56.21% 22.84%
Free Cash Flow Firm Growth		 147.38% -1,368.19% 173.43% -97.33% -553.03% -341.13% 268.25% -117.72% 258.49% 382.65%
Invested Capital Growth		 -4.98% 72.21% -33.98% 21.54% 16.67% 36.04% -11.01% 25.15% 16.97% -4.36%
Revenue Q/Q Growth		 37.59% -34.42% 16.11% 0.00% 0.00% 7.43% 1.73% 7.77% -2.28% 4.83%
EBITDA Q/Q Growth		 1,027.84% -3,883.05% 130.65% 575.51% 311.02% 20.33% 0.82% 12.53% -7.41% 3.57%
EBIT Q/Q Growth		 126.63% -415.63% 322.22% 0.00% 0.00% 31.87% 2.04% 13.16% -7.59% 4.22%
NOPAT Q/Q Growth		 129.94% -345.82% 360.26% 0.00% 0.00% 35.59% 2.80% 11.29% 2.01% 5.78%
Net Income Q/Q Growth		 -10.48% -96.11% 298.47% 0.00% 0.00% 38.63% 2.62% 11.33% 2.01% 5.78%
EPS Q/Q Growth		 0.00% 0.00% 290.00% 28.10% -10.00% 38.38% 3.30% 11.82% 2.95% 8.61%
Operating Cash Flow Q/Q Growth		 -84.28% 27.72% -240.47% -301.95% 137.84% 1,934.12% -17.93% 48.02% 4.72% 12.35%
Free Cash Flow Firm Q/Q Growth		 261.76% -174.64% 585.39% 110.99% 71.87% -1.17% 170.36% -108.65% -51.54% 62,509.90%
Invested Capital Q/Q Growth		 1.89% 36.16% -3.90% 3.28% 0.03% 3.18% -40.13% 0.18% 6.99% -16.81%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 12.62% -41.44% 28.86% 51.32% 39.96% 45.75% 47.82% 51.48% 55.96% 56.19%
EBIT Margin		 3.35% -52.46% 20.38% 43.61% 29.54% 38.74% 45.68% 50.18% 55.08% 55.89%
Profit (Net Income) Margin		 6.62% -72.85% 10.93% 32.29% 21.01% 28.65% 35.06% 36.73% 41.25% 41.62%
Tax Burden Percent		 197.24% 138.88% 53.65% 74.03% 71.12% 73.96% 76.75% 73.19% 74.89% 74.46%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.29% 0.00% 57.08% 26.92% 29.28% 25.57% 23.39% 26.81% 25.11% 25.54%
Return on Invested Capital (ROIC)		 1.56% -10.69% 3.63% 20.79% 10.24% 12.67% 15.94% 17.73% 21.71% 23.28%
ROIC Less NNEP Spread (ROIC-NNEP)		 35.81% -43.57% 6.23% 22.84% 10.78% 12.17% 16.14% 17.73% 21.71% 23.28%
Return on Net Nonoperating Assets (RNNOA)		 2.64% -20.49% 3.33% 3.47% 1.33% 2.36% 2.87% 2.47% 3.91% 3.96%
Return on Equity (ROE)		 4.20% -31.18% 6.96% 24.26% 11.57% 15.03% 18.81% 20.20% 25.62% 27.24%
Cash Return on Invested Capital (CROIC)		 6.67% -63.74% 44.57% 1.35% -5.15% -17.86% 27.60% -4.61% 6.06% 27.74%
Operating Return on Assets (OROA)		 0.14% -1.44% 0.84% 2.62% 1.44% 1.81% 2.20% 2.41% 3.29% 3.56%
Return on Assets (ROA)		 0.28% -2.01% 0.45% 1.94% 1.02% 1.34% 1.69% 1.77% 2.46% 2.65%
Return on Common Equity (ROCE)		 4.20% -31.18% 6.96% 24.26% 11.57% 15.03% 18.81% 20.20% 25.62% 27.24%
Return on Equity Simple (ROE_SIMPLE)		 4.20% -32.28% 6.69% 21.80% 10.64% 13.78% 16.96% 18.76% 23.82% 27.54%
Net Operating Profit after Tax (NOPAT)		 5.36 -49 17 88 51 81 110 130 192 218
NOPAT Margin		 2.64% -36.72% 8.75% 31.87% 20.89% 28.84% 34.99% 36.73% 41.25% 41.62%
Net Nonoperating Expense Percent (NNEP)		 -34.25% 32.88% -2.61% -2.05% -0.53% 0.50% -0.20% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.54% 79.24% 46.25% 33.31% 43.10% 40.07% 36.65% 32.59% 28.42% 27.55%
Operating Expenses to Revenue		 95.61% 149.92% 78.15% 55.08% 68.67% 58.98% 53.34% 47.81% 40.98% 38.88%
Earnings before Interest and Taxes (EBIT)		 6.81 -69 40 120 72 108 144 178 257 292
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 26 -55 57 141 98 128 151 183 261 294
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.75 1.45 1.70 1.10 1.52 1.35 2.42 2.29 2.56 3.19
Price to Tangible Book Value (P/TBV)		 0.76 1.49 1.73 1.12 1.53 1.36 2.43 2.30 2.57 3.20
Price to Revenue (P/Rev)		 1.18 3.28 2.78 1.64 3.01 2.81 4.57 4.48 4.44 4.83
Price to Earnings (P/E)		 17.91 0.00 25.46 5.07 14.32 9.82 13.03 12.20 10.76 11.60
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 5.58% 0.00% 3.93% 19.74% 6.99% 10.19% 7.67% 8.20% 9.29% 8.62%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 0.00 0.81 2.21 1.01 1.23 2.27
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 2.12 4.57 2.32 2.53 3.97
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 4.63 9.56 4.51 4.52 7.07
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 5.47 10.00 4.63 4.59 7.11
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 7.35 13.06 6.32 6.13 9.54
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 4.91 17.19 6.88 6.31 9.05
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 7.54 0.00 21.95 8.01
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.04 0.93 0.17 0.14 0.11 0.26 0.00 0.18 0.18 0.16
Long-Term Debt to Equity		 0.04 0.92 0.17 0.14 0.11 0.26 0.00 0.18 0.18 0.16
Financial Leverage		 0.07 0.47 0.53 0.15 0.12 0.19 0.18 0.14 0.18 0.17
Leverage Ratio		 15.26 15.55 15.35 12.51 11.33 11.20 11.15 11.44 10.40 10.29
Compound Leverage Factor		 15.26 15.55 15.35 12.51 11.33 11.20 11.15 11.44 10.40 10.29
Debt to Total Capital		 4.29% 48.07% 14.72% 11.94% 10.11% 20.74% 0.00% 15.00% 15.48% 13.54%
Short-Term Debt to Total Capital		 0.28% 0.05% 0.06% 0.02% 0.02% 0.01% 0.00% 0.01% 0.00% 0.00%
Long-Term Debt to Total Capital		 4.01% 48.03% 14.66% 11.92% 10.09% 20.73% 0.00% 15.00% 15.48% 13.54%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 95.72% 51.93% 85.28% 88.06% 89.89% 79.26% 100.00% 85.00% 84.52% 86.46%
Debt to EBITDA		 0.56 -5.04 0.98 0.39 0.56 1.19 0.00 0.67 0.57 0.42
Net Debt to EBITDA		 -44.52 12.44 -13.79 -3.54 -9.08 -1.51 0.00 -4.20 -3.41 -1.52
Long-Term Debt to EBITDA		 0.52 -5.04 0.97 0.39 0.55 1.19 0.00 0.67 0.57 0.42
Debt to NOPAT		 2.67 -5.69 3.23 0.63 1.06 1.89 0.00 0.94 0.77 0.57
Net Debt to NOPAT		 -212.84 14.04 -45.49 -5.70 -17.36 -2.40 0.00 -5.88 -4.63 -2.05
Long-Term Debt to NOPAT		 2.50 -5.69 3.21 0.63 1.06 1.89 0.00 0.94 0.77 0.57
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 23 -290 213 5.69 -26 -114 191 -34 54 259
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2,331.68% 1,472.56% 4,741.38%
Free Cash Flow to Firm to Interest Expense		 1.68 -23.67 13.88 0.21 -0.67 -7.14 17.01 -0.57 0.35 1.48
Operating Cash Flow to Interest Expense		 -17.27 -13.22 -1.83 -6.42 1.75 7.58 7.46 2.01 1.20 1.31
Operating Cash Flow Less CapEx to Interest Expense		 4.05 0.40 1.70 -2.74 3.12 9.00 10.22 1.93 1.12 1.28
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.04 0.06 0.05 0.05 0.05 0.05 0.06 0.06
Fixed Asset Turnover		 10.32 5.79 8.97 14.10 13.47 15.90 18.70 20.52 20.32 18.99
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 334 576 380 462 539 733 652 817 955 913
Invested Capital Turnover		 0.59 0.29 0.41 0.65 0.49 0.44 0.46 0.48 0.53 0.56
Increase / (Decrease) in Invested Capital		 -18 241 -196 82 77 194 -81 164 139 -42
Enterprise Value (EV)		 -900 -248 -237 -50 -152 593 1,442 823 1,179 2,076
Market Capitalization		 241 435 552 449 738 786 1,442 1,589 2,069 2,523
Book Value per Share		 $8.48 $5.40 $5.80 $7.21 $8.51 $10.09 $10.44 $12.40 $15.05 $16.48
Tangible Book Value per Share		 $8.34 $5.28 $5.71 $7.14 $8.47 $10.04 $10.40 $12.36 $15.01 $16.45
Total Capital		 334 576 380 462 539 733 595 817 955 913
Total Debt		 14 277 56 55 54 152 0.00 123 148 124
Total Long-Term Debt		 13 277 56 55 54 152 0.00 122 148 124
Net Debt		 -1,141 -683 -789 -499 -890 -193 0.00 -766 -890 -446
Capital Expenditures (CapEx)		 -290 -167 -54 -100 -53 -23 -31 5.13 13 4.84
Net Nonoperating Expense (NNE)		 -8.07 48 -4.34 -1.14 -0.29 0.51 -0.21 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 14 277 56 55 54 152 57 123 148 124
Total Depreciation and Amortization (D&A)		 19 15 17 21 26 20 6.76 4.61 4.10 1.55
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.35 ($2.17) $0.39 $1.57 $0.91 $1.39 $1.93 $2.30 $3.52 $4.35
Adjusted Weighted Average Basic Shares Outstanding		 37.88M 55.65M 56.15M 56.47M 57.40M 57.93M 57.40M 55.59M 54.51M 50.06M
Adjusted Diluted Earnings per Share		 $0.35 ($2.17) $0.39 $1.55 $0.90 $1.37 $1.88 $2.27 $3.49 $4.29
Adjusted Weighted Average Diluted Shares Outstanding		 37.88M 55.65M 56.15M 56.47M 57.40M 57.93M 57.40M 55.59M 55.05M 50.71M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 37.88M 55.65M 56.15M 56.47M 57.40M 57.93M 57.40M 55.59M 52.75M 48.07M
Normalized Net Operating Profit after Tax (NOPAT)		 5.36 -49 28 88 51 81 110 130 192 218
Normalized NOPAT Margin		 2.64% -36.72% 14.26% 31.87% 20.89% 28.84% 34.99% 36.73% 41.25% 41.62%
Pre Tax Income Margin		 3.35% -52.46% 20.38% 43.61% 29.54% 38.74% 45.68% 50.18% 55.08% 55.89%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.50 -5.67 2.63 4.42 1.89 6.80 12.83 2.99 1.65 1.67
NOPAT to Interest Expense		 0.39 -3.97 1.13 3.23 1.34 5.06 9.83 2.19 1.24 1.24
EBIT Less CapEx to Interest Expense		 21.82 7.95 6.17 8.09 3.27 8.22 15.58 2.91 1.57 1.64
NOPAT Less CapEx to Interest Expense		 21.72 9.65 4.67 6.90 2.71 6.48 12.58 2.10 1.16 1.21
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.92% 0.00% 0.00% 0.00% 36.15% 46.08% 52.00% 116.00%

Quarterly Metrics And Ratios for Bancorp

This table displays calculated financial ratios and metrics derived from Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 13.69% 31.81% 47.25% 41.21% 58.63% -10.26% 7.84% 6.85% 11.10% 25.33% 7.92%
EBITDA Growth		 14.28% 55.43% 66.89% 58.28% 109.28% -35.93% 15.58% 7.60% 7.60% 28.80% -39.13%
EBIT Growth		 16.31% 58.19% 70.24% 61.03% 113.32% -37.49% 15.49% 8.44% 8.74% 33.65% -38.37%
NOPAT Growth		 8.54% 48.89% 69.59% 61.20% 63.83% 9.41% 14.88% 9.54% 2.75% 26.98% 1.32%
Net Income Growth		 8.29% 49.08% 69.59% 61.20% 63.83% 9.41% 14.88% 9.54% 2.75% 26.98% 1.32%
EPS Growth		 12.50% 52.17% 76.00% 67.92% 70.37% 14.29% 20.45% 17.98% 13.04% 42.50% 12.26%
Operating Cash Flow Growth		 -24.33% 310.46% 134.62% 36.83% 87.15% 19.08% 74.41% -42.50% -3.79% 41.06% 75.67%
Free Cash Flow Firm Growth		 186.98% -214.93% 120.05% 195.44% -109.03% 23.65% -1,250.89% -100.75% -457.82% 203.18% 213.13%
Invested Capital Growth		 -25.20% 25.15% 5.46% -27.22% 9.53% 16.97% 13.78% 6.51% 22.99% -4.36% -1.16%
Revenue Q/Q Growth		 6.74% 20.28% 8.36% 1.50% 19.91% -31.95% 3.90% 0.58% 24.67% -23.24% 25.20%
EBITDA Q/Q Growth		 2.94% 30.61% 15.04% 1.62% 36.11% -60.01% 25.73% -5.39% 36.11% -52.13% 33.91%
EBIT Q/Q Growth		 3.18% 32.56% 15.33% 2.09% 36.68% -61.16% 26.50% -4.14% 37.05% -52.26% 34.01%
NOPAT Q/Q Growth		 0.66% 31.49% 22.07% -0.23% 2.30% -12.18% 28.17% -4.86% -4.04% 8.52% 2.26%
Net Income Q/Q Growth		 0.66% 31.49% 22.07% -0.23% 2.30% -12.18% 28.17% -4.86% -4.04% 8.52% 2.26%
EPS Q/Q Growth		 1.89% 29.63% 25.71% 1.14% 3.37% -13.04% 32.50% -0.94% -0.95% 9.62% 4.39%
Operating Cash Flow Q/Q Growth		 32.47% 80.35% -18.11% -31.88% 81.18% 14.76% 22.62% -77.54% 203.15% 68.26% 57.17%
Free Cash Flow Firm Q/Q Growth		 177.95% -140.57% 104.24% 7,023.50% -107.37% -243.13% 36.14% 95.34% -5,357.19% 163.47% -29.99%
Invested Capital Q/Q Growth		 -31.68% 0.18% 3.82% 2.42% 2.83% 6.99% 0.98% -4.13% 18.74% -16.81% 4.37%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 49.52% 53.78% 57.49% 57.56% 65.33% 38.39% 61.62% 57.96% 63.28% 39.46% 38.63%
EBIT Margin		 48.17% 53.09% 56.51% 56.83% 64.78% 36.98% 60.52% 57.68% 63.40% 39.43% 38.63%
Profit (Net Income) Margin		 34.74% 37.98% 42.79% 42.06% 35.88% 46.31% 45.58% 43.12% 33.19% 46.92% 35.07%
Tax Burden Percent		 72.12% 71.54% 75.72% 74.00% 75.45% 74.34% 75.32% 74.75% 74.63% 73.19% 75.99%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 73.41% 168.45% 100.00% 100.00% 70.13% 162.57% 119.48%
Effective Tax Rate		 27.88% 28.46% 24.28% 26.00% 24.55% 25.66% 24.68% 25.25% 25.37% 26.81% 24.01%
Return on Invested Capital (ROIC)		 12.00% 18.33% 20.28% 17.36% 20.04% 24.37% 23.90% 23.24% 16.62% 26.25% 19.96%
ROIC Less NNEP Spread (ROIC-NNEP)		 12.00% 18.33% 20.28% 17.36% 20.04% 24.37% 23.90% 23.24% 16.62% 26.25% 19.96%
Return on Net Nonoperating Assets (RNNOA)		 5.56% 2.56% 4.04% 8.09% 3.77% 4.39% 4.19% 4.06% 4.20% 4.46% 3.29%
Return on Equity (ROE)		 17.56% 20.89% 24.31% 25.45% 23.82% 28.75% 28.09% 27.30% 20.83% 30.71% 23.25%
Cash Return on Invested Capital (CROIC)		 41.12% -4.61% 12.90% 47.91% 12.98% 6.06% 9.14% 16.48% 0.04% 27.74% 23.92%
Operating Return on Assets (OROA)		 2.26% 2.55% 3.01% 3.30% 4.05% 2.21% 3.70% 3.55% 4.06% 2.51% 2.44%
Return on Assets (ROA)		 1.63% 1.83% 2.28% 2.44% 2.25% 2.77% 2.79% 2.66% 2.13% 2.98% 2.21%
Return on Common Equity (ROCE)		 17.56% 20.89% 24.31% 25.45% 23.82% 28.75% 28.09% 27.30% 20.83% 30.71% 23.25%
Return on Equity Simple (ROE_SIMPLE)		 17.62% 0.00% 20.74% 22.56% 24.37% 0.00% 24.44% 26.29% 25.22% 0.00% 26.31%
Net Operating Profit after Tax (NOPAT)		 31 40 49 49 50 44 56 54 52 56 57
NOPAT Margin		 34.74% 37.98% 42.79% 42.06% 35.88% 46.31% 45.58% 43.12% 33.19% 46.92% 35.07%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 34.69% 28.43% 28.31% 30.83% 23.90% 32.25% 26.93% 29.69% 23.81% 30.82% 22.36%
Operating Expenses to Revenue		 50.89% 41.03% 41.84% 42.86% 33.97% 47.97% 37.73% 41.32% 34.31% 43.48% 32.69%
Earnings before Interest and Taxes (EBIT)		 42 56 65 66 91 35 75 72 98 47 63
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 44 57 66 67 91 37 76 72 98 47 63
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.87 2.29 2.13 2.38 2.42 2.56 2.16 2.52 3.21 3.19 3.06
Price to Tangible Book Value (P/TBV)		 1.88 2.30 2.14 2.39 2.43 2.57 2.17 2.52 3.22 3.20 3.07
Price to Revenue (P/Rev)		 3.78 4.48 3.96 4.20 3.93 4.44 3.71 4.05 5.25 4.83 4.65
Price to Earnings (P/E)		 10.63 12.20 10.30 10.57 8.81 10.76 8.84 9.57 12.41 11.60 14.21
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 9.41% 8.20% 9.71% 9.46% 11.35% 9.29% 11.31% 10.45% 8.06% 8.62% 7.04%
Enterprise Value to Invested Capital (EV/IC)		 0.82 1.01 1.04 1.18 1.22 1.23 0.69 1.83 2.59 2.27 1.72
Enterprise Value to Revenue (EV/Rev)		 2.04 2.32 2.26 2.41 2.28 2.53 1.39 3.51 5.71 3.97 3.01
Enterprise Value to EBITDA (EV/EBITDA)		 4.14 4.51 4.22 4.38 3.86 4.52 2.44 6.13 10.04 7.07 6.49
Enterprise Value to EBIT (EV/EBIT)		 4.27 4.63 4.32 4.46 3.92 4.59 2.48 6.23 10.15 7.11 6.49
Enterprise Value to NOPAT (EV/NOPAT)		 5.74 6.32 5.88 6.06 5.77 6.13 3.32 8.31 13.84 9.54 7.52
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.31 6.88 6.06 6.67 6.10 6.31 3.03 8.22 13.93 9.05 5.77
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.72 0.00 8.30 2.07 9.82 21.95 8.00 11.48 6,874.94 8.01 7.16
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.23 0.18 0.17 0.16 0.15 0.18 0.18 0.19 0.35 0.16 0.15
Long-Term Debt to Equity		 0.23 0.18 0.17 0.16 0.15 0.18 0.18 0.19 0.18 0.16 0.15
Financial Leverage		 0.46 0.14 0.20 0.47 0.19 0.18 0.18 0.17 0.25 0.17 0.16
Leverage Ratio		 10.79 11.44 10.66 10.43 10.60 10.40 10.07 10.28 9.79 10.29 10.51
Compound Leverage Factor		 10.79 11.44 10.66 10.43 7.78 17.51 10.07 10.28 6.87 16.73 12.56
Debt to Total Capital		 18.57% 15.00% 14.46% 13.71% 13.34% 15.48% 15.32% 15.97% 25.75% 13.54% 12.97%
Short-Term Debt to Total Capital		 0.01% 0.01% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 12.30% 0.00% 0.00%
Long-Term Debt to Total Capital		 18.56% 15.00% 14.45% 13.71% 13.33% 15.48% 15.32% 15.97% 13.45% 13.54% 12.97%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 81.43% 85.00% 85.54% 86.29% 86.66% 84.52% 84.68% 84.03% 74.25% 86.46% 87.03%
Debt to EBITDA		 0.93 0.67 0.59 0.51 0.42 0.57 0.54 0.53 1.00 0.42 0.49
Net Debt to EBITDA		 -3.52 -4.20 -3.17 -3.25 -2.78 -3.41 -4.06 -0.93 0.80 -1.52 -3.54
Long-Term Debt to EBITDA		 0.93 0.67 0.59 0.51 0.42 0.57 0.54 0.53 0.52 0.42 0.49
Debt to NOPAT		 1.29 0.94 0.82 0.70 0.63 0.77 0.74 0.72 1.37 0.57 0.57
Net Debt to NOPAT		 -4.88 -5.88 -4.42 -4.51 -4.16 -4.63 -5.52 -1.26 1.10 -2.05 -4.11
Long-Term Debt to NOPAT		 1.29 0.94 0.81 0.70 0.63 0.77 0.74 0.72 0.72 0.57 0.57
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 305 -124 5.25 374 -28 -95 -60 -2.82 -154 98 68
Operating Cash Flow to CapEx		 72.47% 0.00% 1,174.06% 506.88% 1,837.09% 19,092.19% 4,690.15% 1,030.87% 4,827.62% 14,198.19% 5,430.33%
Free Cash Flow to Firm to Interest Expense		 15.85 -4.11 0.14 9.56 -0.69 -2.37 -1.46 -0.06 -3.35 2.19 1.46
Operating Cash Flow to Interest Expense		 1.48 1.70 1.19 0.75 1.33 1.53 1.82 0.39 1.11 1.94 2.83
Operating Cash Flow Less CapEx to Interest Expense		 -0.56 2.90 1.09 0.60 1.26 1.52 1.78 0.35 1.09 1.92 2.78
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06
Fixed Asset Turnover		 18.77 20.52 20.80 19.74 20.12 20.32 19.47 17.75 17.47 18.99 19.99
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 815 817 848 868 893 955 965 925 1,098 913 953
Invested Capital Turnover		 0.35 0.48 0.47 0.41 0.56 0.53 0.52 0.54 0.50 0.56 0.57
Increase / (Decrease) in Invested Capital		 -275 164 44 -325 78 139 117 57 205 -42 -11
Enterprise Value (EV)		 672 823 883 1,024 1,088 1,179 662 1,697 2,846 2,076 1,642
Market Capitalization		 1,243 1,589 1,548 1,786 1,873 2,069 1,765 1,955 2,619 2,523 2,540
Book Value per Share		 $11.74 $12.40 $13.05 $13.70 $14.25 $15.05 $15.48 $15.01 $16.65 $16.48 $17.26
Tangible Book Value per Share		 $11.70 $12.36 $13.01 $13.66 $14.22 $15.01 $15.45 $14.98 $16.63 $16.45 $17.24
Total Capital		 815 817 848 868 893 955 965 925 1,098 913 953
Total Debt		 151 123 123 119 119 148 148 148 283 124 124
Total Long-Term Debt		 151 122 123 119 119 148 148 148 148 124 124
Net Debt		 -571 -766 -665 -762 -784 -890 -1,103 -258 227 -446 -898
Capital Expenditures (CapEx)		 39 -36 3.67 5.80 2.90 0.32 1.60 1.64 1.06 0.61 2.44
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 151 123 123 119 119 148 148 148 283 124 124
Total Depreciation and Amortization (D&A)		 1.19 0.73 1.13 0.85 0.77 1.35 1.37 0.35 -0.20 0.03 -0.01
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.54 $0.71 $0.89 $0.89 $0.93 $0.81 $1.07 $1.05 $1.06 $1.17 $1.21
Adjusted Weighted Average Basic Shares Outstanding		 55.98M 56.56M 54.69M 54.28M 53.66M 54.51M 52.75M 50.94M 48.76M 50.06M 47.21M
Adjusted Diluted Earnings per Share		 $0.54 $0.70 $0.88 $0.89 $0.92 $0.80 $1.06 $1.05 $1.04 $1.14 $1.19
Adjusted Weighted Average Diluted Shares Outstanding		 55.98M 57.27M 54.69M 54.28M 53.66M 55.05M 53.33M 51.34M 49.48M 50.71M 47.96M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 55.98M 55.59M 54.69M 54.28M 53.66M 52.75M 51.76M 48.96M 47.93M 48.07M 46.71M
Normalized Net Operating Profit after Tax (NOPAT)		 31 40 49 49 50 44 56 54 52 56 57
Normalized NOPAT Margin		 34.74% 37.98% 42.79% 42.06% 35.88% 46.31% 45.58% 43.12% 33.19% 46.92% 35.07%
Pre Tax Income Margin		 48.17% 53.09% 56.51% 56.83% 47.56% 62.29% 60.52% 57.68% 44.47% 64.10% 46.16%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.20 1.87 1.78 1.69 2.26 0.88 1.81 1.65 2.14 1.06 1.34
NOPAT to Interest Expense		 1.59 1.33 1.35 1.25 1.25 1.10 1.36 1.23 1.12 1.26 1.22
EBIT Less CapEx to Interest Expense		 0.16 3.07 1.68 1.55 2.19 0.87 1.77 1.61 2.12 1.04 1.29
NOPAT Less CapEx to Interest Expense		 -0.45 2.54 1.25 1.11 1.18 1.10 1.32 1.20 1.10 1.24 1.17
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 47.02% 46.08% 46.62% 47.34% 47.74% 52.00% 62.76% 98.57% 110.30% 116.00% 109.79%

Financials Breakdown Chart

Key Financial Trends

Bancorp, Inc. (NASDAQ: TBBK) has demonstrated steady financial performance over the past several quarters through Q1 2025, with clear trends emerging from their income statements, cash flow, and balance sheets.

Key Positive Highlights:

  • Consistent growth in loans and leases balances, reaching approximately $6.38 billion in Q1 2025 from around $5.35 billion in Q1 2023, indicating expanding lending operations.
  • Net interest income remains robust, with $91.7 million in Q1 2025, showing resilience despite some volatility in interest income components.
  • Non-interest income showed strong growth in Q1 2025 ($83.6 million) compared to $29.4 million in Q1 2023, supported by a large jump in other service charges income ($115.8 million in Q1 2025 vs. $27.9 million in Q1 2023), diversifying revenue streams.
  • Net income attributable to common shareholders increased to $44.9 million in Q1 2025 from $30.6 million in Q1 2023, indicating improved profitability.
  • Strong net cash from operating activities at $132.5 million in Q1 2025, significantly higher than $43.1 million in Q1 2023, highlighting operational cash flow strength.
  • Total assets increased steadily to $9.39 billion in Q1 2025 from $7.61 billion in Q1 2023, reflecting growth in the asset base and balance sheet expansion.
  • Total common equity grew to $829.7 million in Q1 2025 from $725.1 million in Q1 2023, supporting financial stability and capital strength.
  • Diluted earnings per share rose to $1.19 in Q1 2025 from $0.70 in Q1 2023, evidencing earnings growth on a per-share basis despite share count fluctuations.
  • Net cash from continuing financing activities was very strong at $580.9 million in Q1 2025, supporting liquidity and funding needs.

Neutral Factors to Monitor:

  • Provision for credit losses increased to $46.7 million in Q1 2025 from $1.9 million in Q1 2023, suggesting heightened caution or changes in loan risk profile.
  • Allowance for loan and lease losses rose to approximately $52.5 million in Q1 2025 from $23.8 million in Q1 2023, reflecting increased risk reserves alongside loan growth.
  • Interest-bearing deposits and trading securities show fluctuations, with interest-bearing deposits at other banks showing increase to $1.01 billion in Q1 2025 from $773.4 million in Q1 2023, which may impact interest income volatility.
  • Other non-interest income and realized/unrealized gains/losses on investments vary quarter to quarter, indicating some income variability outside core operations.
  • The weighted average shares outstanding show a declining trend from around 55.5 million in Q1 2023 to 47.2 million in Q1 2025, which partly contributes to earnings per share improvement but also reflects share repurchases.

Risks and Negative Considerations:

  • A substantial negative impact appears in the "Other Interest Income" component in Q1 2025 with a -$48.1 million figure, which may indicate an accounting anomaly or unusual item that reduced total interest income significantly.
  • Provision for credit losses increased notably in recent quarters, which could signal growing credit concerns or challenges in asset quality going forward.
  • Cash flow from investing activities is strongly negative, with -$262.2 million in Q1 2025, largely driven by sizeable purchases of investment securities, which could pressure liquidity if not managed prudently.
  • Total non-interest expense increased to $53.3 million in Q1 2025 versus $48.0 million in Q1 2023, adding cost pressure that could impact future profitability.
  • While deposit growth is strong (net change in deposits $618.5 million in Q1 2025), it increases interest expense on deposits to $46.4 million, up from $39.2 million in Q1 2023, therefore reducing net interest margins.

Summary: Bancorp has expanded its loan portfolio, asset base, and equity capital over the last two years, showing improving net income and earnings per share figures, supported by strong operational cash flow and financing activity. However, the jump in provision for credit losses and an unusual negative item in other interest income in Q1 2025 warrant close attention. Investors should watch for how the company manages asset quality, interest income stability, and operating expenses going forward.

10/13/25 05:13 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Bancorp's Financials

When does Bancorp's financial year end?

According to the most recent income statement we have on file, Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Bancorp's net income changed over the last 9 years?

Bancorp's net income appears to be on an upward trend, with a most recent value of $217.54 million in 2024, rising from $13.43 million in 2015. The previous period was $192.30 million in 2023. See where experts think Bancorp is headed by visiting Bancorp's forecast page.

How has Bancorp's revenue changed over the last 9 years?

Over the last 9 years, Bancorp's total revenue changed from $203.00 million in 2015 to $522.72 million in 2024, a change of 157.5%.

How much debt does Bancorp have?

Bancorp's total liabilities were at $7.94 billion at the end of 2024, a 15.1% increase from 2023, and a 78.5% increase since 2015.

How much cash does Bancorp have?

In the past 9 years, Bancorp's cash and equivalents has ranged from $0.00 in 2021 to $24.06 million in 2022, and is currently $6.06 million as of their latest financial filing in 2024.

How has Bancorp's book value per share changed over the last 9 years?

Over the last 9 years, Bancorp's book value per share changed from 8.48 in 2015 to 16.48 in 2024, a change of 94.4%.


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This page (NASDAQ:TBBK) was last updated on 10/13/2025 by MarketBeat.com Staff
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