Bancorp Q2 EPS rises 21% to $1.27; 2025 EPS guidance of $5.25 maintained
Bancorp reported second-quarter 2025 net income of $59.8 million, or $1.27 per diluted share, up from $1.05 a year earlier, with net income up 11% and share count reduced by buybacks. The company kept its 2025 EPS guidance of $5.25 and announced Project 7, targeting at least a $7 EPS run-rate by the fourth quarter of 2026, though net interest margin fell to 4.44% from 4.97% and consumer fintech loan provisions reached $43.2 million.
Key points
- Net income of $59.8 million, or $1.27 per diluted share, versus $53.7 million, or $1.05, in Q2 2024
- 2025 EPS guidance of $5.25 maintained; Project 7 targets at least a $7 EPS run-rate by Q4 2026
- Net interest margin fell to 4.44% from 4.97%; provision for consumer fintech loans was $43.2 million
- Outstanding shares fell 6% to 46.3 million from 49.3 million after repurchasing 753,898 shares at an average $49.75
The filing
Written by AI on Nov 8, 2026, 1:54 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 24, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.