Bancorp (NASDAQ:TBBK) Releases Q4 2026 Earnings Guidance

Bancorp (NASDAQ:TBBK) issued an update on its fourth quarter 2026 earnings guidance on Friday morning. The company provided earnings per share guidance of 1.750- for the period, compared to the consensus earnings per share estimate of 1.660. The company issued revenue guidance of -. Bancorp also updated its FY 2026 guidance to 5.900-5.900 EPS.

Bancorp Trading Down 15.7%

Shares of TBBK stock opened at $59.44 on Friday. The firm’s 50-day simple moving average is $67.91 and its 200-day simple moving average is $69.80. The company has a debt-to-equity ratio of 0.29, a current ratio of 0.91 and a quick ratio of 0.89. Bancorp has a 1-year low of $40.51 and a 1-year high of $81.65. The firm has a market cap of $2.61 billion, a P/E ratio of 12.08 and a beta of 1.27.

Bancorp (NASDAQ:TBBK) last issued its quarterly earnings results on Thursday, January 29th. The bank reported $1.28 EPS for the quarter, missing the consensus estimate of $1.46 by ($0.18). The company had revenue of $132.21 million for the quarter, compared to analyst estimates of $101.10 million. Bancorp had a return on equity of 27.74% and a net margin of 26.15%. As a group, equities analysts forecast that Bancorp will post 5.31 EPS for the current year.

Analysts Set New Price Targets

A number of equities research analysts have issued reports on TBBK shares. Weiss Ratings reissued a “hold (c+)” rating on shares of Bancorp in a research report on Monday, December 29th. William Blair set a $60.00 target price on Bancorp in a report on Wednesday, January 21st. Royal Bank Of Canada reissued an “outperform” rating and set a $57.00 target price on shares of Bancorp in a research report on Wednesday, January 21st. Finally, Raymond James Financial reaffirmed a “strong-buy” rating on shares of Bancorp in a research report on Tuesday, January 13th. One research analyst has rated the stock with a Strong Buy rating, five have issued a Buy rating and two have given a Hold rating to the company. According to data from MarketBeat, the company presently has an average rating of “Moderate Buy” and an average target price of $60.20.

Insider Buying and Selling

In related news, CFO Dominic C. Canuso purchased 1,800 shares of the firm’s stock in a transaction on Friday, November 14th. The stock was purchased at an average price of $61.24 per share, for a total transaction of $110,232.00. Following the acquisition, the chief financial officer directly owned 3,500 shares in the company, valued at $214,340. The trade was a 105.88% increase in their ownership of the stock. The acquisition was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through this link. Company insiders own 5.60% of the company’s stock.

Bancorp News Roundup

Here are the key news stories impacting Bancorp this week:

• Positive Sentiment: Very strong longer‑term outlook: management raised FY2027 EPS guidance to $8.25 (vs. consensus ~$6.50), signaling confidence in margin recovery and earnings power — a constructive sign for longer‑term valuation. The Bancorp, Inc. (TBBK) Q4 2025 Earnings Call Transcript
• Positive Sentiment: Capital return and underlying profitability: company disclosed $150M in share repurchases in Q4, reported a high ROE (~30%) and a NIM of 4.30% — these items support EPS per‑share improvement and shareholder returns. The Bancorp Reports 4Q 2025 EPS of $1.28 …
• Neutral Sentiment: Revenue beat but context matters: Q4 revenue came in above some expectations (~$132.2M vs. a ~$101.1M consensus), showing fee and fintech growth, though it accompanied an EPS miss — this tempers how investors read the top‑line strength. The Bancorp Reports 4Q 2025 EPS of $1.28 …
• Neutral Sentiment: Earnings call and slide deck available — read for color on loan growth, deposit trends, and planned capital deployment that will determine whether FY2027 targets are credible. The Bancorp, Inc. (TBBK) Q4 2025 Earnings Call Transcript
• Negative Sentiment: FY2026 guidance below street: management set FY2026 EPS guidance at $5.90 vs. consensus ~$6.46 — this near‑term shortfall is the main catalyst for downward pressure on the stock.
• Negative Sentiment: Q4 EPS miss: reported $1.28 vs. consensus ~$1.46 (a ~$0.18 miss), which likely amplified selling despite revenue and profitability metrics. The Bancorp (TBBK) Q4 Earnings and Revenues Lag Estimates

Hedge Funds Weigh In On Bancorp

A number of institutional investors have recently added to or reduced their stakes in TBBK. Ameriprise Financial Inc. increased its position in shares of Bancorp by 273.2% during the third quarter. Ameriprise Financial Inc. now owns 621,903 shares of the bank’s stock worth $46,574,000 after acquiring an additional 455,265 shares during the last quarter. Epoch Investment Partners Inc. raised its position in shares of Bancorp by 306.6% in the 3rd quarter. Epoch Investment Partners Inc. now owns 209,268 shares of the bank’s stock valued at $15,672,000 after purchasing an additional 157,796 shares in the last quarter. Nantahala Capital Management LLC increased its stake in shares of Bancorp by 16.9% in the second quarter. Nantahala Capital Management LLC now owns 968,503 shares of the bank’s stock worth $55,176,000 after buying an additional 140,000 shares during the last quarter. Invesco Ltd. raised its holdings in Bancorp by 4.8% in the third quarter. Invesco Ltd. now owns 2,781,772 shares of the bank’s stock valued at $208,327,000 after acquiring an additional 126,302 shares in the last quarter. Finally, Holocene Advisors LP bought a new position in Bancorp during the 3rd quarter valued at $7,151,000. Institutional investors and hedge funds own 96.22% of the company’s stock.

Bancorp Company Profile

The Bancorp, Inc (NASDAQ: TBBK) is a Delaware-chartered bank holding company that provides a range of banking and financial services to individuals, businesses, and financial institutions across the United States. Through its subsidiary, The Bancorp Bank, the company offers FDIC-insured deposit accounts, cash management solutions and specialized lending products. Its business model focuses on partnering with fintech firms, asset managers and payment processors to deliver integrated banking-as-a-service (BaaS) capabilities.

The company’s product suite includes interest-bearing and non-interest-bearing checking accounts, money market accounts, certificates of deposit and debit and credit card services.