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Bancorp, Inc.

TBBK Nasdaq National Commercial Banks Financials FY2016–FY2025

Bancorp, Inc. had $141M of revenue in fiscal 2025, up 20.8% on the year before. Over five years, revenue changed +81.8% a year on average.

Download report 3-page PDF: the company, its results and charts with peers.

Last close Β· Oct 23, 2026

$50.86

0.5%

What Bancorp, Inc. does

TBBK Β· National Commercial Banks

From its latest annual report

No business description yet.

Filing details

Legal name
Bancorp, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Feb 25, 2026
Accession Β· CIK
0001295401-26-000002 Β· 0001295401

KIRA’s summary AI analyst

Hi! I read Bancorp, Inc.’s latest annual report (fiscal 2025). Here is what stands out:

3 strengths

1.Sales and profit

See section β†’
  • Bancorp, Inc. had $141M of revenue in fiscal 2025, up 20.8% on the year before. Over five years, revenue changed +81.8% a year on average.
  • Bancorp, Inc. made $228M of net profit in fiscal 2025.

Bancorp, Inc. in 30 seconds

Good So-so Weak

Good

Are sales growing?

+20.8%

Yes. Sales grew 20.8% last year.

Good

Does it make a profit?

161.7%

Yes. It keeps 161.7% of every sale as profit.

Weak

How lean are its costs?

158.1%

Costly. Running costs take 158.1% of revenue.

Good

How much does it earn on its capital?

30.8%

Good. It earns 30.8% a year on shareholders’ money.

For information

How is the share priced?

9.6x

One share costs 9.6 times its yearly profit per share.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$2.1B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
9.6x
On $5.32 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· Bancorp, Inc. had $141M of revenue in fiscal 2025, up 20.8% on the year before. Over five years, revenue changed +81.8% a year on average.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned 30.8% on shareholders’ money. Running costs took 158.1% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Bancorp, Inc. made $228M of net profit in fiscal 2025.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned 30.8% on shareholders’ money. Running costs took 158.1% of revenue (the efficiency ratio; lower is better).

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Results dates

In plain words: Every quarter, companies publish how much they sold and earned. These are the days Bancorp, Inc. did it, and the next one. Share prices often move a lot on those days.

Next results

October 29, 2026

Thursday Β· in 3 days

Time
After the market closes
Covers
Period ended Sep 30, 2026
Expected EPS
$1.44
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Jul 30, 2026 Q2 '26 After the market closes 8-K β†—
Apr 23, 2026 Q1 '26 After the market closes 8-K β†—
Jan 29, 2026 Q4 '25 After the market closes 8-K β†—
Oct 30, 2025 Q3 '25 After the market closes 8-K β†—
Jul 24, 2025 Q2 '25 After the market closes 8-K β†—
Apr 24, 2025 Q1 '25 After the market closes 8-K β†—
Jan 30, 2025 Q4 '24 After the market closes 8-K β†—
Oct 24, 2024 Q3 '24 After the market closes 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

Revenue and margins

KIRA Β· Bancorp, Inc. had $141M of revenue in fiscal 2025, up 20.8% on the year before. Over five years, revenue changed +81.8% a year on average.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net income and earnings per share

KIRA Β· Bancorp, Inc. made $228M of net profit in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA Β· Bancorp, Inc. returned $378M to shareholders in fiscal 2025, 147% of free cash flow. The diluted share count fell 8.5%.

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA Β· No open-market insider trades in the last 12 months.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

β€”

$0.0M

No open-market insider trades in the last 12 months.

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Loans and deposits

Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $3.7B$5.5B$5.3B$6.1B$7.1B
Deposits $6.0B$7.0B$6.7B$7.7B$8.2B
Loans / deposits 62.4%77.7%79.8%78.3%86.3%
Total assets $6.8B$7.9B$7.7B$8.7B$9.4B
Shareholders' equity $652M$694M$807M$790M$690M
Goodwill $0.3M$0.3M$0.3M$0.3M$0.3M
Intangible assets $2.4M$2.0M$1.7M$1.3M$0.9M
Provision / loans 0.1%0.1%0.3%0.6%2.5%

Returns and efficiency

KIRA Β· It earned 30.8% on shareholders’ money. Running costs took 158.1% of revenue (the efficiency ratio; lower is better).

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $132M $198M $275M $9.4M $7.1M $7.5M $86.2M $99.2M $117M $141M
Net interest income $90.0M $107M $121M $141M $195M $211M $249M $354M $376M $376M
Noninterest income $42.5M $91.5M $154M $104M $84.6M $105M $106M $112M $158M $328M
Noninterest expense $199M $155M $151M $169M $165M $168M $170M $191M $203M $223M
Provision for credit losses $3.4M $2.9M $3.6M $4.4M $6.1M $2.5M $5.7M $18.3M $38.4M $178M
Gross profit β€” β€” β€” $9.3M β€” β€” β€” β€” β€” β€”
Interest expense $12.3M $15.3M $27.1M $38.3M $15.9M $11.2M $59.5M $155M β€” β€”
Pretax income βˆ’$69.5M $40.4M $120M $72.5M $108M $144M $178M $257M $292M $303M
Income tax βˆ’$12.7M $23.1M $32.2M $21.2M $27.7M $33.7M $47.7M $64.5M $74.6M $74.8M
Net income βˆ’$96.5M $21.7M $88.7M $51.6M $80.1M $111M $130M $192M $218M $228M
Diluted EPS βˆ’$2.17 $0.39 $1.55 $0.90 $1.37 $1.88 $2.27 $3.49 $4.29 $4.92
Diluted shares 0.04B 0.06B 0.06B 0.06B 0.06B 0.06B 0.06B 0.06B 0.05B 0.05B
Cash flow
Cash from operations βˆ’$162M βˆ’$28.1M βˆ’$174M $66.9M $121M $83.9M $120M $187M $210M $265M
Capital expenditure $8.0M $0.5M $2.4M $2.0M $3.7M $1.5M $5.1M $12.7M $5.0M $7.1M
Free cash flow βˆ’$170M βˆ’$28.6M βˆ’$176M $64.9M $117M $82.3M $114M $174M $205M $258M
Depreciation and amortization $5.0M $4.5M $4.0M $5.2M $3.8M $3.3M $3.3M $3.5M $4.2M $4.6M
Stock-based compensation $2.8M $3.2M $3.5M $5.7M $6.4M $8.6M $7.6M $11.4M $15.0M $19.6M
Acquisitions β€” β€” β€” β€” $3.9M β€” β€” β€” β€” β€”
Share buybacks β€” β€” β€” β€” β€” $40.0M $60.0M $100.0M $252M $378M
Dividends and buybacks β€” β€” β€” β€” β€” $40.0M $60.0M $100.0M $252M $378M
Balance sheet
Cash and short-term investments $999M $909M $554M $944M $346M $602M $888M $1.0B $570M $113M
Total debt $263M $42.3M $41.7M $41.0M $40.3M $39.5M $10.0M $38.6M $14.1M $199M
Loans, net $1.2B $1.4B $1.5B $1.8B $2.6B $3.7B $5.5B $5.3B $6.1B $7.1B
Deposits $4.2B $4.3B $3.9B $5.1B $5.5B $6.0B $7.0B $6.7B $7.7B $8.2B
Property and equipment, net $24.1M $20.1M $18.9M $17.5M $17.6M $16.2M $18.4M $27.5M $27.6M $29.8M
Goodwill β€” β€” β€” β€” β€” $0.3M $0.3M $0.3M $0.3M $0.3M
Intangible assets $6.9M $5.4M $3.8M $2.3M $2.8M $2.4M $2.0M $1.7M $1.3M $0.9M
Total assets $4.9B $4.7B $4.4B $5.7B $6.3B $6.8B $7.9B $7.7B $8.7B $9.4B
Total liabilities $4.6B $4.4B $4.0B $5.2B $5.7B $6.2B $7.2B $6.9B $7.9B $8.7B
Shareholders' equity $299M $324M $407M $484M $581M $652M $694M $807M $790M $690M
Margins
Gross margin β€” β€” β€” 99.1% β€” β€” β€” β€” β€” β€”
Net margin βˆ’72.9% 10.9% 32.3% 549.9% 1,127.8% 1,470.3% 151.1% 193.8% 186.3% 161.7%
FCF margin βˆ’128.3% βˆ’14.4% βˆ’64.2% 691.9% 1,646.9% 1,094.1% 132.9% 175.5% 175.5% 182.7%
Net interest share of revenue 67.9% 53.8% 44.0% 1,506.9% 2,744.2% 2,802.0% 288.8% 356.8% 322.1% 266.0%
Efficiency ratio 149.9% 78.1% 55.1% 1,797.4% 2,321.5% 2,236.9% 196.7% 192.5% 174.0% 158.1%
Returns
Return on equity βˆ’32.3% 7.0% 24.3% 11.6% 15.0% 17.9% 19.3% 25.6% 27.2% 30.8%
Return on assets βˆ’2.0% 0.5% 1.9% 1.0% 1.3% 1.7% 1.8% 2.5% 2.6% 2.5%
Return on tangible equity βˆ’33.0% 6.8% 22.0% 10.7% 13.8% 17.0% 18.8% 23.9% 27.6% 33.1%
Growth
Revenue growth β€” 49.7% 38.5% βˆ’96.6% βˆ’24.3% 6.0% 1,045.0% 15.2% 17.7% 20.8%
Net income growth β€” β€” 309.2% βˆ’41.9% 55.3% 38.2% 17.7% 47.7% 13.1% 4.9%
EPS growth β€” β€” 297.4% βˆ’41.9% 52.2% 37.2% 20.7% 53.7% 22.9% 14.7%
FCF growth β€” β€” β€” β€” 80.3% βˆ’29.6% 39.0% 52.1% 17.7% 25.9%
Share count change β€” 26.0% 1.6% 0.5% 1.9% 0.7% βˆ’2.7% βˆ’3.9% βˆ’7.9% βˆ’8.5%
Financial health
Debt / equity 0.9x 0.1x 0.1x 0.1x 0.1x 0.1x 0.0x 0.0x 0.0x 0.3x
Loans / deposits 28.7% 32.5% 37.9% 35.9% 48.3% 62.4% 77.7% 79.8% 78.3% 86.3%
Provision / loans 0.3% 0.2% 0.2% 0.2% 0.2% 0.1% 0.1% 0.3% 0.6% 2.5%
Capital allocation
Capex / revenue 6.1% 0.3% 0.9% 21.5% 52.6% 20.6% 6.0% 12.8% 4.3% 5.0%
Stock comp / revenue 2.1% 1.6% 1.3% 60.7% 90.5% 114.6% 8.8% 11.5% 12.8% 13.9%
Payouts / FCF β€” β€” β€” β€” β€” 48.6% 52.4% 57.4% 123.1% 146.7%
Quality scores
Piotroski F-score β€” 4.0 3.0 4.0 5.0 4.0 6.0 5.0 5.0 5.0
Accruals ratio 1.3% 1.0% 5.7% βˆ’0.3% βˆ’0.7% 0.4% 0.1% 0.1% 0.1% βˆ’0.4%

Source: SEC EDGAR XBRL filings (CIK 0001295401). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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