TBBK on Nasdaq
Bancorp, Inc.
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Prepaid Card Fees brought in 73% of the revenue Bancorp, Inc. broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Prepaid Card Fees | $89.4M | $97.4M | $103.5M |
| Credit Card, Merchant Discount | $9.8M | $14.6M | $21.0M |
| Consumer Credit Fintech Fees | $4.8M | $16.6M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax25¢$74.8M
- Profit75¢$228.2M
Out of $141.1M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending2¢$7.1M
- Share buybacks98¢$378.3M
Out of $265.0M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, including fees | $448.0M | $458.8M | $436.6M |
| Taxable interest | $76.0M | $66.3M | $39.1M |
| Tax-exempt interest | $387.0K | $187.0K | $153.0K |
| Interest-earning deposits | $26.9M | $26.3M | $33.6M |
| Total interest income | $551.4M | $551.6M | $509.5M |
| Deposits | $162.8M | $164.4M | $148.5M |
| Short-term borrowings | $2.5M | $2.5M | $271.0K |
| Long-term borrowings | $784.0K | $2.4M | $507.0K |
| Senior debt | $8.8M | $4.9M | $5.0M |
| Subordinated debentures | $1.0M | $1.2M | $1.1M |
| Total interest expense | $175.9M | $175.4M | $155.5M |
| Net interest income | $375.5M | $376.2M | $354.1M |
| Provision for credit losses on non-fintech loans | $9.0M | $9.3M | $8.5M |
| Provision for credit losses on fintech loans | $169.3M | $30.7M | |
| Provision reversal for unfunded commitments | -$582.0K | -$596.0K | -$135.0K |
| Provision (reversal) for credit loss on security | -$1.0M | $10.0M | |
| Provision for credit losses, total | $177.7M | $38.4M | $18.3M |
| Net interest income after provision (reversal) for credit losses | $197.8M | $337.9M | $335.7M |
| Total fintech fees | $141.1M | $116.8M | $99.2M |
| Net realized and unrealized gains on commercial loans, at fair value | $1.8M | $2.7M | $3.7M |
| Leasing related income | $7.1M | $3.9M | $6.3M |
| Fintech loan credit enhancement | $169.3M | $30.7M | |
| Other | $8.9M | $3.4M | $2.8M |
| Total non-interest income | $328.3M | $157.5M | $112.1M |
| Salaries and employee benefits | $142.6M | $131.6M | $121.1M |
| Depreciation | $4.7M | $4.2M | $3.1M |
| Rent and related occupancy cost | $6.5M | $6.7M | $6.0M |
| Data processing expense | $5.0M | $5.7M | $5.4M |
| Audit expense | $2.5M | $1.5M | $1.6M |
| Legal expense | $6.7M | $3.1M | $3.9M |
| Legal settlements | $2.0M | $284.0K | |
| FDIC Insurance | $4.5M | $3.6M | $3.0M |
| Software | $20.5M | $17.9M | $17.3M |
| Insurance | $4.8M | $5.2M | $5.1M |
| Telecom and IT network communications | $1.2M | $1.2M | $1.3M |
| Consulting | $1.7M | $1.9M | $1.9M |
| Other | $20.6M | $20.4M | $21.3M |
| Total non-interest expense | $223.1M | $203.2M | $191.0M |
| Income before income taxes | $303.0M | $292.2M | $256.8M |
| Income tax expense | $74.8M | $74.6M | $64.5M |
| Net income | $228.2M | $217.5M | $192.3M |
| Earnings per share - basic | $4.99 | $4.35 | $3.52 |
| Earnings per share - diluted | $4.92 | $4.29 | $3.49 |
| Weighted average shares - basic | 45.8M shares | 50.1M shares | 54.5M shares |
| Weighted average shares - diluted | 46.4M shares | 50.7M shares | 55.1M shares |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $8.0M | $6.1M | |
| Interest-earning deposits | $104.6M | $564.1M | |
| Total cash and cash equivalents | $112.6M | $570.1M | |
| Investment securities, available-for-sale, at fair value | $1.7B | $1.5B | |
| Commercial loans, at fair value | $139.4M | $223.1M | |
| Loans, net of deferred loan fees and costs | $7.1B | $6.1B | $5.4B |
| Allowance for credit losses | -$66.2M | -$44.9M | -$27.4M |
| Loans, net | $7.1B | $6.1B | |
| Stock in Federal Reserve, Federal Home Loan and Atlantic Central Bankers Banks | $25.2M | $15.6M | |
| Premises and equipment, net | $29.8M | $27.6M | |
| Accrued interest receivable | $43.1M | $41.7M | |
| Other real estate owned | $60.7M | $62.0M | $16.9M |
| Deferred tax asset, net | $18.7M | $18.9M | |
| Credit enhancement asset | $31.1M | $12.9M | |
| Other assets | $169.5M | $183.9M | |
| Total assets | $9.4B | $8.7B | |
| Demand and interest checking | $7.8B | $7.4B | |
| Savings and money market | $338.5M | $311.8M | |
| Total deposits | $8.2B | $7.7B | |
| Short-term borrowings | $199.0M | ||
| Senior debt | $196.3M | $96.2M | |
| Subordinated debentures | $13.4M | $13.4M | |
| Other long-term borrowings | $13.7M | $14.1M | |
| Other liabilities | $74.8M | $68.0M | |
| Total liabilities | $8.7B | $7.9B | |
| Common stock - authorized, 75,000,000 shares of $1.00 par value; 48,404,006 and 42,355,361 shares issued and outstanding, respectively, at December 31, 2025 and 47,713,481 and 47,310,750 shares issued and outstanding, respectively, at December 31, 2024 | $48.4M | $47.7M | |
| Additional paid-in capital | $24.2M | $3.2M | |
| Retained earnings | $1.0B | $779.2M | |
| Accumulated other comprehensive income (loss) | $10.8M | -$17.6M | |
| Treasury stock at cost, 6,048,645 shares at December 31, 2025 and 402,731 shares at December 31, 2024 | -$401.0M | -$22.7M | |
| Total shareholders' equity | $689.8M | $789.8M | $807.3M |
| Total liabilities and shareholders' equity | $9.4B | $8.7B | |
| Common stock, authorized (in shares) | 75.0M shares | 75.0M shares | |
| Common stock, par value (in dollars per share) | $1.00 | $1.00 | |
| Common stock, issued (in shares) | 48.4M shares | 47.7M shares | |
| Common stock, outstanding (in shares) | 42.4M shares | 47.3M shares | |
| Treasury stock (in shares) | 6.0M shares | 402.7K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $228.2M | $217.5M | $192.3M |
| Depreciation | $4.7M | $4.2M | $3.1M |
| Provision for credit loss, total | $177.7M | $38.4M | $18.3M |
| Fintech loan credit enhancement income | -$169.3M | -$30.7M | |
| (Accretion) amortization of fees, premiums, and discounts, net | -$7.7M | -$2.6M | $1.0M |
| Stock-based compensation expense | $19.6M | $15.0M | $11.4M |
| Realized gains on commercial loans, at fair value | -$1.8M | -$3.7M | -$7.0M |
| Deferred income tax (benefit) expense | -$9.2M | $2.3M | -$5.7M |
| Gain on sale of fixed assets | -$2.0K | -$53.0K | |
| Gain on sale of other real estate owned | -$754.0K | ||
| Write-down of other real estate owned | $1.1M | ||
| Change in fair value of commercial loans, at fair value | $683.0K | $3.1M | |
| Change in fair value of derivatives | $284.0K | $124.0K | |
| Loss on sales of investment securities | $2.0K | $4.0K | |
| Increase in accrued interest receivable | -$1.4M | -$4.2M | -$5.5M |
| Decrease (increase) in other assets | $17.7M | -$26.2M | -$38.1M |
| Increase (decrease) in other liabilities | $7.3M | -$1.0M | $12.6M |
| Net cash provided by operating activities | $265.0M | $209.9M | $186.9M |
| Purchase of investment securities available-for-sale | -$433.8M | -$991.2M | -$49.0M |
| Proceeds from redemptions and prepayments of securities available-for-sale | $304.9M | $242.7M | $71.1M |
| Sale of repossessed assets | $3.5M | $11.0M | $7.9M |
| Proceeds from sale of other real estate owned | $6.2M | $1.6M | $5.8M |
| Net (increase) decrease in loans | -$1.2B | -$875.5M | $142.2M |
| Credit enhancement agreement cash inflows | $151.1M | $17.7M | |
| Capitalized investment in other real estate owned | -$2.1M | -$1.7M | |
| Commercial loans, at fair value drawn during the period | -$3.7M | -$134.3M | |
| Payments on commercial loans, at fair value | $88.9M | $109.6M | $384.4M |
| Proceeds from sale of fixed assets | $174.0K | $133.0K | |
| Purchases of premises and equipment | -$7.1M | -$5.0M | -$12.7M |
| Net cash (used in) provided by investing activities | -$1.1B | -$1.5B | $415.4M |
| Net increase (decrease) in deposits | $419.4M | $1.1B | -$349.2M |
| Net decrease in securities sold under agreements to repurchase | -$42.0K | ||
| Proceeds from short-term borrowings | $199.0M | ||
| Proceeds of senior debt offering, net | $196.0M | ||
| Redemption of senior debt maturity | -$96.4M | -$3.3M | |
| Proceeds from the issuance of common stock | $2.1M | $104.0K | |
| Repurchases of common stock and excise tax | -$378.3M | -$252.4M | -$100.0M |
| Net cash provided (used in) by financing activities | $341.7M | $812.7M | -$452.4M |
| Net (decrease) increase in cash and cash equivalents | -$457.5M | -$468.0M | $149.9M |
| Interest paid | $172.6M | $173.8M | $156.3M |
| Taxes paid | $76.3M | $80.8M | $82.6M |
| Transfers to other real estate owned from commercial loans, at fair value, and loans, net | $2.0M | $45.0M | $2.7M |
| Leased vehicles transferred to repossessed assets | $3.5M | $9.9M | $9.4M |
Recent filings
- Oct 8, 20268-K/A THE BANCORP, INC. FORM 8-K/A
- Sep 4, 20268-K THE BANCORP, INC. FORM 8-K
- Aug 14, 2026SCHEDULE 13G/A
- Aug 6, 202610-Q
- Aug 6, 2026144
- Aug 6, 20264
- Aug 3, 20268-K THE BANCORP, INC. FORM 8-K
- Jul 31, 2026SCHEDULE 13G
- Jul 30, 20268-K
- Jun 29, 202611-K THE BANCORP, INC. FORM 11-K
- Jun 12, 20264
- Jun 1, 20268-K THE BANCORP, INC. FORM 8-K
- May 28, 20264
- May 28, 20264
- May 28, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1SEC EDGARBancorp, Inc. filings on SEC EDGAR
- 2SEC EDGARBancorp, Inc. filings on SEC EDGAR
- 3SEC EDGARBancorp, Inc. 10-K for fiscal 2025
- 4SEC EDGARBancorp, Inc. 10-K for fiscal 2019
- 5SEC EDGARBancorp, Inc. 10-K for fiscal 2022
- 6SEC EDGARBancorp, Inc. 10-K for fiscal 2020
- 7SEC EDGARBancorp, Inc. 10-K for fiscal 2021
- 8SEC EDGARBancorp, Inc. 10-Q for fiscal 2026
- 9SEC EDGARBancorp, Inc. 10-Q for fiscal 2026
- 10SEC EDGARBancorp, Inc. 10-K for fiscal 2019