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Bancorp (TBBK) Financials

Bancorp logo
$53.54 +1.50 (+2.88%)
Closing price 04:00 PM Eastern
Extended Trading
$53.55 +0.01 (+0.02%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 13 -96 22 89 52 80 111 130 192 218 228
Consolidated Net Income / (Loss)		 13 -96 22 89 52 80 111 130 192 218 228
Net Income / (Loss) Continuing Operations		 5.36 -57 17 88 51 81 110 130 192 218 228
Total Pre-Tax Income 		6.81 -69 40 120 72 108 144 178 257 292 303
Total Revenue		 203 132 198 275 245 279 316 355 466 534 704
Net Interest Income / (Expense)		 70 90 107 121 141 195 211 249 354 376 376
Total Interest Income		 84 102 122 148 180 211 222 308 510 552 551
Loans and Leases Interest Income		 50 68 79 95 127 171 193 276 437 459 448
Investment Securities Interest Income		 31 32 36 42 42 38 29 26 39 66 76
Deposits and Money Market Investments Interest Income		 2.35 2.24 5.20 8.74 10 1.89 0.72 6.76 34 26 27
Total Interest Expense		 14 12 15 27 38 16 11 59 155 175 176
Deposits Interest Expense		 13 11 14 26 34 13 5.62 51 149 164 163
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 2.50
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 11
Total Non-Interest Income		 133 42 92 154 104 85 105 106 112 158 328
Other Service Charges		 71 72 70 57 77 85 83 87 102 151 319
Net Realized & Unrealized Capital Gains on Investments		 58 6.07 19 86 24 -3.87 15 14 3.75 2.73 1.82
Other Non-Interest Income		 4.02 -36 2.64 12 3.24 3.25 6.46 4.82 6.32 3.92 7.14
Provision for Credit Losses		 2.10 3.36 2.92 3.59 4.40 6.35 3.11 7.11 18 38 178
Total Non-Interest Expense		 194 199 155 151 169 165 168 170 191 203 223
Salaries and Employee Benefits		 68 82 76 80 94 102 106 105 121 132 143
Net Occupancy & Equipment Expense		 22 23 16 12 12 10 9.68 10 11 12 11
Property & Liability Insurance Claims		 15 17 18 17 12 15 12 8.30 6.81 6.94 13
Other Operating Expenses		 83 70 39 38 45 34 37 43 49 48 51
Depreciation Expense		 4.75 4.98 4.45 4.00 3.70 3.20 2.90 2.90 3.07 4.16 4.65
Income Tax Expense		 1.45 -13 23 32 21 28 34 48 64 75 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 $4.99
Weighted Average Basic Shares Outstanding		 64M 108.40M 270.90M 56.47M 57.40M 57.93M 57.19M 56.56M 54.51M 50.06M 45.77M
Diluted Earnings per Share		 $0.35 ($2.17) $0.39 $1.55 $0.90 $1.37 $1.88 $2.27 $3.49 $4.29 $4.92
Weighted Average Diluted Shares Outstanding		 64M 108.40M 270.90M 56.47M 57.40M 57.93M 58.83M 57.27M 55.05M 50.71M 46.42M
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 42.19M

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 74 20 84 82 81 27 50 51 50 83 61
Consolidated Net Income / (Loss)		 50 44 56 54 52 56 57 60 55 56 60
Net Income / (Loss) Continuing Operations		 74 20 84 82 81 27 50 51 50 83 61
Total Pre-Tax Income 		66 59 75 72 69 76 75 80 73 75 79
Total Revenue		 140 95 151 152 155 119 163 172 170 198 162
Net Interest Income / (Expense)		 89 92 94 94 94 94 92 97 94 92 89
Total Interest Income		 129 132 136 137 140 139 140 97 94 268 89
Loans and Leases Interest Income		 111 112 114 115 116 113 109 112 115 112 108
Investment Securities Interest Income		 9.69 10 9.67 18 20 19 18 22 17 18 20
Deposits and Money Market Investments Interest Income		 8.69 9.36 12 4.68 3.39 6.38 13 8.33 3.95 1.97 2.20
Other Interest Income		 - - - - - - - -46 -42 - -41
Total Interest Expense		 40 40 41 44 46 45 48 44 40 45 37
Deposits Interest Expense		 38 38 39 40 43 43 46 44 39 34 35
Short-Term Borrowings Interest Expense		 0.00 0.04 0.02 1.30 1.03 0.13 0.00 0.01 0.50 2.00 1.38
Long-Term Debt Interest Expense		 1.66 1.66 2.21 2.21 2.22 1.87 0.45 0.46 0.46 9.25 0.43
Total Non-Interest Income		 27 27 29 31 32 54 84 84 80 81 73
Other Service Charges		 49 1.79 55 57 60 3.69 1.00 117 113 -26 109
Net Realized & Unrealized Capital Gains on Investments		 0.53 -0.43 1.10 0.50 0.61 0.53 0.36 0.34 1.01 0.11 0.01
Other Non-Interest Income		 1.77 1.56 0.39 1.43 1.07 21 69 2.13 1.40 1.64 1.90
Provision for Credit Losses		 1.75 14 2.17 1.25 3.56 20 47 45 46 41 27
Total Non-Interest Expense		 47 46 47 51 53 52 53 57 56 56 55
Salaries and Employee Benefits		 30 28 30 34 34 34 34 37 37 34 37
Net Occupancy & Equipment Expense		 2.91 3.04 3.06 3.11 3.14 3.10 2.77 2.94 2.85 2.86 3.00
Property & Liability Insurance Claims		 2.01 1.46 1.67 1.50 1.96 1.82 3.01 3.07 2.39 4.77 2.84
Other Operating Expenses		 11 13 11 12 13 12 7.27 13 13 13 11
Depreciation Expense		 0.64 1.03 0.95 1.03 1.05 1.13 1.10 1.13 1.15 1.27 1.25
Income Tax Expense		 16 15 18 18 18 20 18 20 18 19 19
Basic Earnings per Share		 $0.93 $0.81 $1.07 $1.05 $1.06 $1.17 $1.21 $1.28 $1.20 $1.30 $1.43
Weighted Average Basic Shares Outstanding		 54.18M 54.51M 52.75M 50.94M 48.76M 50.06M 47.21M 46.60M 45.87M 45.77M 42.13M
Diluted Earnings per Share		 $0.92 $0.80 $1.06 $1.05 $1.04 $1.14 $1.19 $1.27 $1.18 $1.28 $1.41
Weighted Average Diluted Shares Outstanding		 54.74M 55.05M 53.33M 51.34M 49.48M 50.71M 47.96M 47.18M 46.52M 46.42M 42.59M
Weighted Average Basic & Diluted Shares Outstanding		 53.66M 52.75M 51.76M 48.96M 47.93M 48.07M 46.71M 46.07M 43.92M 42.19M 41.63M

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 41 -156 -90 -355 390 -599 256 286 150 -468 -457
Net Cash From Operating Activities		 -235 -162 -28 -174 67 121 84 120 187 210 265
Net Cash From Continuing Operating Activities		 -235 -162 -28 -174 67 121 84 120 187 210 265
Net Income / (Loss) Continuing Operations		 13 -96 22 89 52 80 111 130 192 218 228
Consolidated Net Income / (Loss)		 5.36 -57 17 88 51 81 110 130 192 218 228
Provision For Loan Losses		 2.10 3.36 2.92 3.59 4.40 6.35 3.11 7.11 18 38 178
Depreciation Expense		 5.93 6.39 5.98 5.53 5.23 3.76 3.30 2.90 3.07 4.16 4.65
Amortization Expense		 13 8.20 11 16 20 16 3.46 1.70 1.02 -2.61 -7.69
Non-Cash Adjustments to Reconcile Net Income		 -283 -102 -60 -286 -16 7.68 -2.62 0.89 2.99 -16 7.79
Changes in Operating Assets and Liabilities, net		 14 18 -9.83 -1.83 1.07 6.99 -34 -23 -31 -31 -146
Net Cash From Investing Activities		 501 -155 -84 84 -793 -1,229 -306 -827 415 -1,491 -1,064
Net Cash From Continuing Investing Activities		 501 -155 -84 84 -793 -1,229 -306 -827 415 -1,491 -1,064
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 -11
Purchase of Investment Securities		 -551 -698 -753 -250 -2,275 -875 -1,355 -1,703 93 -1,867 -1,606
Sale of Property, Leasehold Improvements and Equipment		 299 180 55 102 55 26 33 0.00 0.00 0.13 0.17
Sale and/or Maturity of Investments		 750 362 570 214 174 249 493 165 85 255 315
Other Investing Activities, net		 - - -7.99 9.57 1,235 -633 518 716 250 126 238
Net Cash From Financing Activities		 -226 161 22 -265 1,117 509 478 994 -452 813 342
Net Cash From Continuing Financing Activities		 -226 161 22 -265 1,117 509 478 994 -452 813 342
Net Change in Deposits		 -207 -176 23 -325 1,116 410 515 1,053 -349 1,065 419
Issuance of Debt		 - 263 - 0.00 0.00 98 - - 0.00 0.00 395
Issuance of Common Equity		 - 75 - - - - 3.43 0.32 0.10 0.00 2.06
Repayment of Debt		 - - - - - - 0.00 0.00 -3.27 0.00 -96
Repurchase of Common Equity		 - - -0.20 - 0.00 0.00 -40 -60 -100 -252 -378
Other Financing Activities, Net		 -18 -0.65 -0.06 60 0.25 0.83 - 0.00 0.00 -0.04 0.00
Cash Interest Paid		 13 12 15 27 38 13 12 58 156 174 173
Cash Income Taxes Paid		 0.59 1.50 4.16 13 21 23 44 38 83 81 76

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 23 135 212 -845 -350 514 451 -681 -256 28 -45
Net Cash From Operating Activities		 53 61 75 17 51 86 95 86 78 -32 85
Net Cash From Continuing Operating Activities		 53 61 75 17 51 86 95 86 78 -32 85
Net Income / (Loss) Continuing Operations		 50 44 56 54 52 56 57 60 55 56 60
Consolidated Net Income / (Loss)		 50 44 56 54 52 56 57 60 55 56 60
Provision For Loan Losses		 1.75 14 2.17 1.25 3.56 20 47 44 45 41 28
Depreciation Expense		 0.45 1.03 0.95 1.13 0.85 1.13 1.10 1.13 1.15 1.27 1.25
Amortization Expense		 0.33 0.32 0.32 -0.78 -1.05 -1.10 -0.49 -1.70 -1.02 -3.85 -1.05
Non-Cash Adjustments to Reconcile Net Income		 2.41 -2.70 2.25 3.01 3.22 5.75 -42 4.82 3.41 -4.68 -24
Changes in Operating Assets and Liabilities, net		 -1.83 4.11 13 -41 -6.87 4.13 32 -23 -25 -122 21
Net Cash From Investing Activities		 113 -78 -22 -1,026 -256 -207 -224 -130 -49 -623 -616
Net Cash From Continuing Investing Activities		 113 -78 -22 -1,026 -255 -208 -224 -130 -49 -623 -616
Purchase of Property, Leasehold Improvements and Equipment		 -2.90 -0.32 -1.60 -1.64 -1.12 -0.61 -0.77 1.26 -0.63 -8.84 -0.47
Purchase of Investment Securities		 65 -136 -109 -1,097 -363 -300 -322 -235 -245 -805 -683
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 - 0.06 - 0.09 0.03 0.05 - 0.04
Sale and/or Maturity of Investments		 -16 126 39 53 97 66 47 76 154 35 26
Other Investing Activities, net		 67 -68 49 20 13 27 51 27 43 156 41
Net Cash From Financing Activities		 -144 151 159 164 -145 635 581 -637 -285 682 485
Net Cash From Continuing Financing Activities		 -144 151 159 164 -145 635 581 -637 -285 682 485
Net Change in Deposits		 -119 176 210 265 -230 820 619 -599 -435 835 265
Issuance of Debt		 - - - - - - 0.00 - - -1.00 271
Repurchase of Common Equity		 -25 -25 -50 -101 -50 -51 -38 -38 -151 -151 -50
Cash Interest Paid		 41 39 42 43 46 42 50 45 42 36 46

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 2025
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 12/31/2025
Total Assets		 4,766 4,858 4,708 4,438 5,657 6,277 6,843 7,903 7,706 8,728 9,352
Cash and Due from Banks		 7.64 4.13 3.15 2.44 20 5.98 - 24 4.82 6.06 8.04
Interest Bearing Deposits at Other Banks		 1,148 956 841 552 925 340 - 864 1,033 564 105
Trading Account Securities		 1,654 2,044 1,948 2,009 2,586 3,017 2,342 1,355 1,080 1,726 1,811
Loans and Leases, Net of Allowance		 1,074 1,217 1,385 1,493 1,814 2,636 3,729 5,464 5,334 6,069 7,050
Loans and Leases		 1,078 1,223 1,392 1,502 1,824 2,652 3,747 5,487 5,361 6,114 7,117
Allowance for Loan and Lease Losses		 4.40 6.33 7.10 8.65 10 16 18 22 27 45 66
Premises and Equipment, Net		 22 24 20 19 18 18 16 18 27 28 30
Other Assets		 857 606 504 358 293 258 128 175 224 335 348
Total Liabilities & Shareholders' Equity		 4,766 4,858 4,708 4,438 5,657 6,277 657 7,903 7,706 8,728 9,352
Total Liabilities		 4,446 4,559 4,384 4,031 5,172 5,696 6,191 7,209 6,898 7,938 8,663
Interest Bearing Deposits		 4,415 4,238 4,261 3,936 5,052 5,462 - 7,030 6,681 7,746 8,165
Short-Term Debt		 0.93 0.27 0.22 0.09 0.08 0.04 - 0.04 0.04 0.00 199
Long-Term Debt		 13 277 56 55 54 152 - 122 148 124 223
Other Long-Term Liabilities		 17 44 67 40 66 82 62 56 70 68 75
Total Equity & Noncontrolling Interests		 320 299 324 407 484 581 595 694 807 790 690
Total Preferred & Common Equity		 320 299 324 407 484 581 652 694 807 790 690
Total Common Equity		 320 299 324 407 484 581 595 694 807 790 690
Common Stock		 338 416 419 423 429 435 350 355 266 51 73
Retained Earnings		 -15 -112 -89 -0.82 51 128 239 369 562 779 1,007
Treasury Stock		 -0.87 -0.87 -0.87 -0.87 -0.87 - - - 0.00 -23 -401
Accumulated Other Comprehensive Income / (Loss)		 -2.09 -4.21 -4.56 -14 6.05 18 6.29 -30 -20 -18 11

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 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 7,777 7,607 7,543 7,466 7,916 8,145 8,095 9,386 8,839 8,599 9,899
Cash and Due from Banks		 23 14 6.50 4.88 9.11 5.74 8.66 9.68 12 10 8.67
Interest Bearing Deposits at Other Banks		 700 773 874 899 1,241 400 47 1,012 329 75 59
Trading Account Securities		 791 1,281 1,173 1,136 1,001 1,846 1,840 1,700 1,667 1,527 1,775
Loans and Leases, Net of Allowance		 5,248 5,331 5,244 5,175 5,431 5,577 5,876 6,328 6,476 6,608 7,691
Loans and Leases		 5,267 5,354 5,268 5,199 5,459 5,606 5,907 6,380 6,535 6,673 7,754
Allowance for Loan and Lease Losses		 20 24 23 24 29 29 31 52 59 64 63
Premises and Equipment, Net		 18 21 26 29 27 28 28 27 26 26 29
Other Assets		 177 185 217 221 205 287 293 309 328 352 337
Total Liabilities & Shareholders' Equity		 7,777 7,607 7,543 7,466 7,916 8,145 8,095 9,386 8,839 8,599 9,899
Total Liabilities		 7,113 6,882 6,794 6,692 7,099 7,368 7,279 8,556 7,979 7,821 9,202
Interest Bearing Deposits		 6,911 6,705 6,623 6,504 6,891 7,156 6,926 8,365 7,766 7,331 8,430
Short-Term Debt		 0.04 0.04 0.04 0.04 0.00 0.00 135 - - 200 470
Long-Term Debt		 151 123 119 119 148 148 148 124 124 223 223
Other Long-Term Liabilities		 51 55 52 69 61 65 71 68 89 67 78
Total Equity & Noncontrolling Interests		 664 725 749 774 817 777 815 830 860 778 697
Total Preferred & Common Equity		 664 725 749 774 817 777 815 830 860 778 697
Total Common Equity		 664 725 749 774 817 777 815 830 860 778 697
Common Stock		 368 333 311 288 219 121 75 56 61 68 77
Retained Earnings		 329 418 467 518 618 672 723 836 896 951 1,067
Treasury Stock		 - - - - - - - -60 -98 -250 -451
Accumulated Other Comprehensive Income / (Loss)		 -33 -26 -29 -32 -20 -16 17 -1.84 1.61 8.81 3.46

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 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $4.99
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 45.77M
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 $4.92
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 46.42M
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		 37.88M 55.65M 56.15M 56.47M 57.40M 57.93M 57.40M 55.59M 52.75M 48.07M 42.19M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Bancorp

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 42,193,830.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 42,193,830.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.42
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 58.63% -10.26% 7.84% 6.85% 11.10% 25.33% 7.92% 13.15% 9.48% - -0.56%
EBITDA Growth		 109.28% -35.93% 15.58% 7.60% 7.60% 28.80% -39.13% -30.04% -31.51% - 25.58%
EBIT Growth		 113.32% -37.49% 15.49% 8.44% 8.74% 33.65% -38.37% -29.29% -30.91% - 26.49%
NOPAT Growth		 63.83% 9.41% 14.88% 9.54% 2.75% 26.98% 1.32% 11.43% 6.62% - 5.07%
Net Income Growth		 63.83% 9.41% 14.88% 9.54% 2.75% 26.98% 1.32% 11.43% 6.62% - 5.07%
EPS Growth		 70.37% 14.29% 20.45% 17.98% 13.04% 42.50% 12.26% 20.95% 13.46% - 18.49%
Operating Cash Flow Growth		 87.15% 19.08% 74.41% -42.50% -3.79% 41.06% 75.67% 401.82% 53.96% - -9.84%
Free Cash Flow Firm Growth		 -109.03% 23.65% -1,250.89% -100.75% -457.82% 203.18% 213.13% 120.48% 68.46% - -651.63%
Invested Capital Growth		 9.53% 16.97% 13.78% 6.51% 22.99% -4.36% -1.16% 6.41% 9.42% - 45.83%
Revenue Q/Q Growth		 19.91% -31.95% 3.90% 0.58% 24.67% -23.24% 25.20% 5.80% -1.45% - -18.21%
EBITDA Q/Q Growth		 36.11% -60.01% 25.73% -5.39% 36.11% -52.13% 33.91% 11.07% -2.58% - -19.19%
EBIT Q/Q Growth		 36.68% -61.16% 26.50% -4.14% 37.05% -52.26% 34.01% 11.97% -3.56% - -21.44%
NOPAT Q/Q Growth		 2.30% -12.18% 28.17% -4.86% -4.04% 8.52% 2.26% 4.63% -8.18% - 6.71%
Net Income Q/Q Growth		 2.30% -12.18% 28.17% -4.86% -4.04% 8.52% 2.26% 4.63% -8.18% - 6.71%
EPS Q/Q Growth		 3.37% -13.04% 32.50% -0.94% -0.95% 9.62% 4.39% 6.72% -7.09% - 10.16%
Operating Cash Flow Q/Q Growth		 81.18% 14.76% 22.62% -77.54% 203.15% 68.26% 57.17% -35.16% -8.96% - 369.54%
Free Cash Flow Firm Q/Q Growth		 -107.37% -243.13% 36.14% 95.34% -5,357.19% 163.47% -29.99% -99.16% -8,502.95% - -164.66%
Invested Capital Q/Q Growth		 2.83% 6.99% 0.98% -4.13% 18.74% -16.81% 4.37% 3.21% 22.10% - 25.01%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 65.33% 38.39% 61.62% 57.96% 63.28% 39.46% 38.63% 40.55% 40.09% - 49.28%
EBIT Margin		 64.78% 36.98% 60.52% 57.68% 63.40% 39.43% 38.63% 40.88% 40.01% - 49.16%
Profit (Net Income) Margin		 35.88% 46.31% 45.58% 43.12% 33.19% 46.92% 35.07% 34.69% 32.32% - 37.01%
Tax Burden Percent		 75.45% 74.34% 75.32% 74.75% 74.63% 73.19% 75.99% 75.11% 75.08% - 76.31%
Interest Burden Percent		 73.41% 168.45% 100.00% 100.00% 70.13% 162.57% 119.48% 112.97% 107.58% - 98.66%
Effective Tax Rate		 24.55% 25.66% 24.68% 25.25% 25.37% 26.81% 24.01% 24.89% 24.92% - 23.69%
Return on Invested Capital (ROIC)		 20.04% 24.37% 23.90% 23.24% 16.62% 26.25% 19.96% 20.56% 16.32% - 22.20%
ROIC Less NNEP Spread (ROIC-NNEP)		 20.04% 24.37% 23.90% 23.24% 16.62% 26.25% 19.96% 20.56% 16.32% - 22.20%
Return on Net Nonoperating Assets (RNNOA)		 3.77% 4.39% 4.19% 4.06% 4.20% 4.46% 3.29% 3.41% 7.23% - 11.88%
Return on Equity (ROE)		 23.82% 28.75% 28.09% 27.30% 20.83% 30.71% 23.25% 23.97% 23.55% - 34.08%
Cash Return on Invested Capital (CROIC)		 12.98% 6.06% 9.14% 16.48% 0.04% 27.74% 23.92% 17.31% 10.82% - -17.56%
Operating Return on Assets (OROA)		 4.05% 2.21% 3.70% 3.55% 4.06% 2.51% 2.44% 2.72% 2.78% - 3.58%
Return on Assets (ROA)		 2.25% 2.77% 2.79% 2.66% 2.13% 2.98% 2.21% 2.31% 2.25% - 2.70%
Return on Common Equity (ROCE)		 23.82% 28.75% 28.09% 27.30% 20.83% 30.71% 23.25% 23.97% 23.55% - 34.08%
Return on Equity Simple (ROE_SIMPLE)		 24.37% 0.00% 24.44% 26.29% 25.22% 0.00% 26.31% 26.09% 29.28% - 33.16%
Net Operating Profit after Tax (NOPAT)		 50 44 56 54 52 56 57 60 55 - 60
NOPAT Margin		 35.88% 46.31% 45.58% 43.12% 33.19% 46.92% 35.07% 34.69% 32.32% - 37.01%
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%
SG&A Expenses to Revenue		 23.90% 32.25% 26.93% 29.69% 23.81% 30.82% 22.36% 23.24% 23.65% - 24.94%
Operating Expenses to Revenue		 33.97% 47.97% 37.73% 41.32% 34.31% 43.48% 32.69% 33.18% 33.19% - 33.90%
Earnings before Interest and Taxes (EBIT)		 91 35 75 72 98 47 63 71 68 - 80
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 91 37 76 72 98 47 63 70 68 - 80
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.42 2.56 2.16 2.52 3.21 3.19 3.06 3.09 4.43 - 3.25
Price to Tangible Book Value (P/TBV)		 2.43 2.57 2.17 2.52 3.22 3.20 3.07 3.10 4.44 - 3.25
Price to Revenue (P/Rev)		 3.93 4.44 3.71 4.05 5.25 4.83 4.65 4.70 5.94 - 3.23
Price to Earnings (P/E)		 8.81 10.76 8.84 9.57 12.41 11.60 14.21 18.00 29.56 - 9.49
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Earnings Yield		 11.35% 9.29% 11.31% 10.45% 8.06% 8.62% 7.04% 5.56% 3.38% - 10.54%
Enterprise Value to Invested Capital (EV/IC)		 1.22 1.23 0.69 1.83 2.59 2.27 1.72 2.48 3.15 - 2.08
Enterprise Value to Revenue (EV/Rev)		 2.28 2.53 1.39 3.51 5.71 3.97 3.01 4.32 6.53 - 4.12
Enterprise Value to EBITDA (EV/EBITDA)		 3.86 4.52 2.44 6.13 10.04 7.07 6.49 10.95 19.64 - 9.15
Enterprise Value to EBIT (EV/EBIT)		 3.92 4.59 2.48 6.23 10.15 7.11 6.49 10.93 19.60 - 9.05
Enterprise Value to NOPAT (EV/NOPAT)		 5.77 6.13 3.32 8.31 13.84 9.54 7.52 10.89 16.63 - 12.52
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.10 6.31 3.03 8.22 13.93 9.05 5.77 6.91 9.94 - 11.31
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.82 21.95 8.00 11.48 6,874.94 8.01 7.16 14.80 30.45 - 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.15 0.18 0.18 0.19 0.35 0.16 0.15 0.14 0.54 - 0.99
Long-Term Debt to Equity		 0.15 0.18 0.18 0.19 0.18 0.16 0.15 0.14 0.29 - 0.32
Financial Leverage		 0.19 0.18 0.18 0.17 0.25 0.17 0.16 0.17 0.44 - 0.54
Leverage Ratio		 10.60 10.40 10.07 10.28 9.79 10.29 10.51 10.37 10.48 - 12.63
Compound Leverage Factor		 7.78 17.51 10.07 10.28 6.87 16.73 12.56 11.72 11.27 - 12.46
Debt to Total Capital		 13.34% 15.48% 15.32% 15.97% 25.75% 13.54% 12.97% 12.57% 35.23% - 49.87%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 12.30% 0.00% 0.00% 0.00% 16.65% - 33.81%
Long-Term Debt to Total Capital		 13.33% 15.48% 15.32% 15.97% 13.45% 13.54% 12.97% 12.57% 18.58% - 16.06%
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		 86.66% 84.52% 84.68% 84.03% 74.25% 86.46% 87.03% 87.43% 64.77% - 50.13%
Debt to EBITDA		 0.42 0.57 0.54 0.53 1.00 0.42 0.49 0.55 2.19 - 2.19
Net Debt to EBITDA		 -2.78 -3.41 -4.06 -0.93 0.80 -1.52 -3.54 -0.97 1.76 - 1.98
Long-Term Debt to EBITDA		 0.42 0.57 0.54 0.53 0.52 0.42 0.49 0.55 1.16 - 0.71
Debt to NOPAT		 0.63 0.77 0.74 0.72 1.37 0.57 0.57 0.55 1.86 - 3.00
Net Debt to NOPAT		 -4.16 -4.63 -5.52 -1.26 1.10 -2.05 -4.11 -0.97 1.49 - 2.71
Long-Term Debt to NOPAT		 0.63 0.77 0.74 0.72 0.72 0.57 0.57 0.55 0.98 - 0.97
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)		 -28 -95 -60 -2.82 -154 98 68 0.58 -48 - -377
Operating Cash Flow to CapEx		 1,837.09% 19,092.19% 4,690.15% 1,030.87% 4,827.62% 14,198.19% 5,430.33% 0.00% 13,462.48% - 19,915.89%
Free Cash Flow to Firm to Interest Expense		 -0.69 -2.37 -1.46 -0.06 -3.35 2.19 1.46 0.01 -1.22 - -10.16
Operating Cash Flow to Interest Expense		 1.33 1.53 1.82 0.39 1.11 1.94 2.83 1.93 1.97 - 2.30
Operating Cash Flow Less CapEx to Interest Expense		 1.26 1.52 1.78 0.35 1.09 1.92 2.78 1.96 1.95 - 2.29
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.07 0.07 - 0.07
Fixed Asset Turnover		 20.12 20.32 19.47 17.75 17.47 18.99 19.99 20.75 21.48 - 25.03
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 893 955 965 925 1,098 913 953 984 1,201 - 1,390
Invested Capital Turnover		 0.56 0.53 0.52 0.54 0.50 0.56 0.57 0.59 0.50 - 0.60
Increase / (Decrease) in Invested Capital		 78 139 117 57 205 -42 -11 59 103 - 437
Enterprise Value (EV)		 1,088 1,179 662 1,697 2,846 2,076 1,642 2,444 3,788 - 2,893
Market Capitalization		 1,873 2,069 1,765 1,955 2,619 2,523 2,540 2,661 3,450 - 2,267
Book Value per Share		 $14.25 $15.05 $15.48 $15.01 $16.65 $16.48 $17.26 $18.42 $16.89 - $16.52
Tangible Book Value per Share		 $14.22 $15.01 $15.45 $14.98 $16.63 $16.45 $17.24 $18.39 $16.87 - $16.52
Total Capital		 893 955 965 925 1,098 913 953 984 1,201 - 1,390
Total Debt		 119 148 148 148 283 124 124 124 423 - 693
Total Long-Term Debt		 119 148 148 148 148 124 124 124 223 - 223
Net Debt		 -784 -890 -1,103 -258 227 -446 -898 -217 339 - 626
Capital Expenditures (CapEx)		 2.90 0.32 1.60 1.64 1.06 0.61 2.44 -1.29 0.58 - 0.43
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 119 148 148 148 283 124 124 124 423 - 693
Total Depreciation and Amortization (D&A)		 0.77 1.35 1.37 0.35 -0.20 0.03 -0.01 -0.58 0.13 - 0.20
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.93 $0.81 $1.07 $1.05 $1.06 $1.17 $1.21 $1.28 $1.20 $1.30 $1.43
Adjusted Weighted Average Basic Shares Outstanding		 53.66M 54.51M 52.75M 50.94M 48.76M 50.06M 47.21M 46.60M 45.87M 45.77M 42.13M
Adjusted Diluted Earnings per Share		 $0.92 $0.80 $1.06 $1.05 $1.04 $1.14 $1.19 $1.27 $1.18 $1.28 $1.41
Adjusted Weighted Average Diluted Shares Outstanding		 53.66M 55.05M 53.33M 51.34M 49.48M 50.71M 47.96M 47.18M 46.52M 46.42M 42.59M
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		 53.66M 52.75M 51.76M 48.96M 47.93M 48.07M 46.71M 46.07M 43.92M 42.19M 41.63M
Normalized Net Operating Profit after Tax (NOPAT)		 50 44 56 54 52 56 57 60 55 - 60
Normalized NOPAT Margin		 35.88% 46.31% 45.58% 43.12% 33.19% 46.92% 35.07% 34.69% 32.32% - 37.01%
Pre Tax Income Margin		 47.56% 62.29% 60.52% 57.68% 44.47% 64.10% 46.16% 46.18% 43.05% - 48.50%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.26 0.88 1.81 1.65 2.14 1.06 1.34 1.59 1.71 - 2.15
NOPAT to Interest Expense		 1.25 1.10 1.36 1.23 1.12 1.26 1.22 1.35 1.38 - 1.62
EBIT Less CapEx to Interest Expense		 2.19 0.87 1.77 1.61 2.12 1.04 1.29 1.62 1.70 - 2.14
NOPAT Less CapEx to Interest Expense		 1.18 1.10 1.32 1.20 1.10 1.24 1.17 1.38 1.37 - 1.61
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		 47.74% 52.00% 62.76% 98.57% 110.30% 116.00% 109.79% 78.66% 121.74% - 169.17%

Financials Breakdown Chart

Key Financial Trends

Bancorp, Inc. (NASDAQ: TBBK) showed solid profitability in Q1 2026, but cash flow and balance sheet trends were less consistent. The company earned $60.1 million in consolidated net income, up modestly from $56.3 million in Q4 2025 and $57.2 million in Q1 2025. However, operating cash flow weakened sharply sequentially and the balance sheet shows rising leverage and deposit volatility.

  • Profitability remained strong in Q1 2026. Consolidated net income was $60.1 million, with diluted EPS of $1.41, both above the prior quarter’s $56.3 million and $1.28.
  • Net interest income improved year over year. Q1 2026 net interest income was $88.8 million, up from $91.3 million in Q1 2025 on a quarterly basis but still supported by a relatively strong spread business versus 2024.
  • Fee and service income stayed a meaningful contributor. Bancorp generated $72.5 million of non-interest income in Q1 2026, helping offset pressure in the core banking spread.
  • Book value continued to grow over the last year. Total common equity rose to $697.0 million in Q1 2026 from $829.7 million in Q1 2025, though this comparison is affected by balance-sheet expansion and treasury stock changes.
  • Loan growth has been steady. Loans and leases increased to $7.75 billion in Q1 2026 from $6.38 billion in Q1 2025, indicating continued balance-sheet expansion.
  • Revenue mix remains diversified for a bank. The company generated both net interest income and substantial non-interest income, reducing dependence on a single revenue source.
  • Provision expense remains elevated. Q1 2026 provision for credit losses was $27.5 million, close to recent quarters, suggesting management is still reserving conservatively.
  • Operating cash flow dropped sharply from the prior quarter. Net cash from operating activities fell to $85.2 million in Q1 2026 from $31.6 million in Q4 2025, but the more important trend is that cash generation can be volatile quarter to quarter.
  • Investing cash outflow remained heavy. Bancorp used $615.9 million in investing activities in Q1 2026, driven largely by a $682.9 million purchase of investment securities.
  • Deposits fell in Q1 2026. Net change in deposits was a $264.5 million inflow in Q1 2026’s financing section, but the latest balance sheet still shows a large deposit base of $8.43 billion and the quarter-to-quarter funding picture has been uneven.

Longer-term trend: Over the last four years, Bancorp has generally produced consistent earnings and positive operating cash flow, but the company has also shown signs of rising balance-sheet complexity. Loans and assets have grown materially since 2023, while deposit balances, debt levels, and securities positioning have all moved around meaningfully. That suggests a healthy but somewhat more leveraged bank that relies on active balance-sheet management.

Bottom line: TBBK looks profitable and still generating respectable earnings, but investors should watch deposit stability, credit costs, and the sustainability of cash flow as the company continues to expand its loan book and securities portfolio.

06/04/26 10:57 PM ETAI Generated. May Contain Errors.

Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Bancorp's net income appears to be on an upward trend, with a most recent value of $228.21 million in 2025, rising from $13.43 million in 2015. The previous period was $217.54 million in 2024. Find out what analysts predict for Bancorp in the coming months.

Over the last 10 years, Bancorp's total revenue changed from $203.00 million in 2015 to $703.84 million in 2025, a change of 246.7%.

Bancorp's total liabilities were at $8.66 billion at the end of 2025, a 9.1% increase from 2024, and a 94.8% increase since 2015.

In the past 10 years, Bancorp's cash and equivalents has ranged from $0.00 in 2021 to $24.06 million in 2022, and is currently $8.04 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:TBBK last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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