The Bancorp, Inc. (TBBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$66.87-1.28%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · TBBK
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow earnings per share with a target EPS range of $8.10 to $8.30 for fiscal year 2027, maintaining guidance and focusing on fintech initiatives and capital return.
Stated as a priority in 4 of last 4 quarters. EPS grew from $1.27 in 2025-Q2 to $1.45 in 2026-Q2, reflecting 14.2% growth. Management has consistently maintained 2027 EPS guidance in the $8.10-$8.30 range, indicating delivery on this growth priority.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“We are maintaining our 2027 EPS guidance range of between $8.10-$8.30.”
“Our expectation for 2027 EPS is now in the range of $8.10 to $8.30.”
“We maintain a preliminary outlook for 2027 of $8.25.”
“We are initiating preliminary guidance for 2027 of $8.25 earnings per share.”
Grow the fintech loan portfolio and increase fintech-related fee income as a key driver of revenue growth and diversification.
Stated as a priority in 4 of last 4 quarters. Fintech loans grew from $680.5M in 2Q 2025 to $901.5M in 2Q 2026, and fintech fees increased 64.9% over the same period. Management's focus on fintech expansion is reflected in strong revenue growth and portfolio increases, delivering on this priority.
“Fintech fees increased 64.9% to $6.5 million compared to 2Q 2025.”
“Substantial progress in our Fintech initiatives and fintech fees increased 55% to $5.6 million.”
“Fintech fees grew to 27% of total revenues excluding credit enhancement income.”
“Focus on expanding our fintech business with organic volume growth.”
Continue returning capital to shareholders through share repurchase programs targeting $50 million per quarter in 2026 and near 100% of net income in 2027.
Stated as a priority in 4 of last 4 quarters. The company repurchased $50 million in both 1Q and 2Q 2026, and $150 million in 4Q 2025, consistent with management's stated plan to return near 100% of earnings through share repurchases in 2027. The trajectory shows active capital return execution.
“Share repurchases of $50.0 million for 870,129 shares in 2Q 2026.”
“Share repurchases of $50.0 million for 843,061 shares in 1Q 2026.”
“Share repurchases of $150.0 million for 2,173,518 shares in 4Q 2025.”
“Repurchases year-to-date in 2025 totaled 5,645,914 shares for $375.0 million.”
Focus on improving credit quality metrics and reducing net charge-offs, particularly in fintech and non-fintech loan portfolios.
Stated as a priority in 4 of last 4 quarters. Net charge-offs decreased from $37.8M in 2Q 2025 to $25.7M in 2Q 2026, and provision for credit losses declined from $46.9M in 1Q 2025 to $27.6M in 1Q 2026. Management's focus on credit quality is reflected in improving credit metrics, delivering on this priority.
“Net charge-offs decreased to $25.7 million in 2Q 2026 from $37.8 million in 2Q 2025.”
“Net charge-offs decreased from $39.1 million in 1Q 2025 to $30.7 million in 1Q 2026.”
“Provision for credit losses was $41.4 million in 4Q 2025, down from prior quarters.”
“Improvement in credit quality with provision reversals and lower net charge-offs.”
Implement organizational restructuring including discontinuing new Small Business Lending originations by end of 2026 and reducing workforce by 9% to optimize costs and focus on strategic priorities.
Newly stated in 2026-Q3. The Bancorp announced a restructuring to discontinue new Small Business Lending originations by end of 2026 and eliminate 64 positions (9% of workforce), expecting $14 million in annualized savings. This is a strategic shift to optimize costs and focus resources.
Over the trailing year it converted 1.63x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
9 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.