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AI brief of an SEC Form 8-K · The Bancorp (TBBK)

The Bancorp Q4 2025 EPS rises 11% to $1.28; initiates 2026 EPS guidance of $5.90

Positive Impact 4 of 5 earnings Written later

The Bancorp reported fourth-quarter 2025 net income of $56.3 million, or $1.28 per diluted share, up from $1.15 a year earlier, and initiated 2026 EPS guidance of $5.90. Management said results fell short of its own expectations and prior guidance, citing transaction volume, slower sponsored credit growth, net interest margin compression and a legal settlement cost. The company repurchased $150.0 million of shares in the quarter and has authorized up to $200 million of repurchases for 2026.

Key points

  • Q4 2025 EPS of $1.28 vs. $1.15 in Q4 2024 (up 11%) and $1.18 in Q3 2025; net income $56.3 million vs. $55.9 million a year earlier
  • Net interest margin 4.30%, down from 4.55% a year earlier; net interest income $92.1 million vs. $94.3 million
  • 2026 EPS guidance of $5.90, at least $1.75 for Q4 2026, and a preliminary 2027 outlook of $8.25
  • Q4 2025 share repurchases of $150.0 million; $200 million authorized for 2026, or $50 million per quarter

The filing

CompanyThe Bancorp (TBBK)
Form8-K, current report
Filed with the SECJan 29, 2026, 4:31 PM ET
Accession number0002039852-26-000004

Items reported: 2.02 Results of Operations7.01 Regulation FD Disclosure

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:55 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 January 29, 2026.

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.