Bancorp (NASDAQ:TBBK) Announces Quarterly Earnings Results, Beats Estimates By $0.09 EPS

Bancorp (NASDAQ:TBBK) issued its quarterly earnings data on Thursday. The bank reported $1.45 earnings per share (EPS) for the quarter, topping the consensus estimate of $1.36 by $0.09, Zacks reports. The firm had revenue of $137.74 million during the quarter, compared to analysts’ expectations of $166.69 million. Bancorp had a return on equity of 30.56% and a net margin of 26.92%. Bancorp updated its Q4 2026 guidance to 1.650-1.750 EPS and its FY 2026 guidance to 5.950-6.050 EPS.

Bancorp Price Performance

TBBK stock opened at $64.78 on Friday. The stock has a market capitalization of $2.70 billion, a price-to-earnings ratio of 12.60 and a beta of 1.19. The company has a quick ratio of 0.88, a current ratio of 0.89 and a debt-to-equity ratio of 0.32. Bancorp has a 52-week low of $50.20 and a 52-week high of $81.65. The stock’s fifty day simple moving average is $60.87 and its 200-day simple moving average is $59.33.

Analyst Ratings Changes

TBBK has been the subject of several research reports. Keefe, Bruyette & Woods raised Bancorp from a “market perform” rating to an “outperform” rating and lifted their price target for the stock from $72.00 to $77.00 in a research note on Thursday, July 9th. Bank of America reissued a “buy” rating on shares of Bancorp in a research note on Monday, July 20th. Weiss Ratings upgraded shares of Bancorp from a “hold (c)” rating to a “hold (c+)” rating in a report on Tuesday, June 30th. Zacks Research upgraded shares of Bancorp from a “strong sell” rating to a “hold” rating in a research report on Friday, April 3rd. Finally, Wall Street Zen raised shares of Bancorp from a “sell” rating to a “hold” rating in a report on Saturday, April 25th. One analyst has rated the stock with a Strong Buy rating, four have given a Buy rating and two have issued a Hold rating to the company. Based on data from MarketBeat, the stock has a consensus rating of “Moderate Buy” and a consensus price target of $63.40.

More Bancorp News

Here are the key news stories impacting Bancorp this week:

• Positive Sentiment: Q2 earnings beat estimates: The Bancorp reported diluted EPS of $1.45, up 14.2% from $1.27 a year earlier and above the $1.36 consensus forecast. Net income reached $60.7 million. The Bancorp Q2 earnings beat
• Positive Sentiment: Fintech growth remained strong: Gross dollar volume on prepaid, debit and credit cards rose 22.5% year over year to $53.45 billion, while average deposits increased 4.4% to $8.41 billion. Management cited loan growth, fintech fees, improving credit and cost efficiencies as key drivers. The Bancorp Q2 results release
• Positive Sentiment: Full-year outlook improved: TBBK raised its 2026 EPS guidance to $5.95-$6.05, modestly above the $5.92 analyst consensus, and repurchased $50 million of shares during the quarter. The company maintained 2027 EPS guidance of $8.10-$8.30.
• Neutral Sentiment: Insider and institutional activity was mixed: Several executives, including the chief financial officer, purchased shares, while other insiders sold. Institutional investors were similarly divided, with some large funds reducing positions and others adding substantially.
• Negative Sentiment: Revenue and fourth-quarter guidance disappointed: Reported revenue of $137.74 million was below the $166.69 million analyst estimate. The fourth-quarter EPS outlook of $1.65-$1.75 also fell short of the $1.75 consensus at the midpoint.
• Negative Sentiment: Net-interest performance weakened: Net interest margin declined to 3.85% from 4.44% a year earlier, and return on assets fell to 2.51% from 2.64%, highlighting pressure on core banking profitability despite strong fintech growth.

Hedge Funds Weigh In On Bancorp

Large investors have recently added to or reduced their stakes in the business. Invesco Ltd. grew its holdings in Bancorp by 4.8% in the 3rd quarter. Invesco Ltd. now owns 2,781,772 shares of the bank’s stock valued at $208,327,000 after buying an additional 126,302 shares during the period. Nantahala Capital Management LLC increased its stake in shares of Bancorp by 25.7% during the 4th quarter. Nantahala Capital Management LLC now owns 1,071,685 shares of the bank’s stock valued at $72,360,000 after acquiring an additional 219,351 shares during the last quarter. Ameriprise Financial Inc. lifted its holdings in shares of Bancorp by 273.2% during the 3rd 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 period. Goldman Sachs Group Inc. lifted its holdings in shares of Bancorp by 43.8% during the 4th quarter. Goldman Sachs Group Inc. now owns 507,691 shares of the bank’s stock worth $34,279,000 after acquiring an additional 154,539 shares during the period. Finally, Bank of America Corp DE boosted its position in shares of Bancorp by 41.1% in the third quarter. Bank of America Corp DE now owns 269,944 shares of the bank’s stock worth $20,216,000 after acquiring an additional 78,687 shares during the last quarter. 96.22% of the stock is currently owned by hedge funds and other institutional investors.

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.