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The Bancorp Earnings Calls
| Release date | Apr 23, 2026 |
| EPS estimate | $1.34 |
| EPS actual | $1.41 |
| EPS Surprise | 5.22% |
| Revenue estimate | 189.289M |
| Revenue actual | 161.339M |
| Revenue Surprise | -14.77% |
| Release date | Jan 29, 2026 |
| EPS estimate | $1.46 |
| EPS actual | $1.28 |
| EPS Surprise | -12.33% |
| Revenue estimate | 164.1M |
| Revenue actual | 172.611M |
| Revenue Surprise | 5.19% |
| Release date | Oct 23, 2025 |
| EPS estimate | $1.33 |
| EPS actual | $1.18 |
| EPS Surprise | -11.28% |
| Revenue estimate | 162.3M |
| Revenue actual | 134.823M |
| Revenue Surprise | -16.93% |
| Release date | Jul 24, 2025 |
| EPS estimate | $1.28 |
| EPS actual | $1.27 |
| EPS Surprise | -0.781% |
| Revenue estimate | 97.8M |
| Revenue actual | 181.235M |
| Revenue Surprise | 85.31% |
Last 4 Quarters for The Bancorp
Below you can see how TBBK performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 24, 2025 |
| Price on release | $69.62 |
| EPS estimate | $1.28 |
| EPS actual | $1.27 |
| EPS surprise | -0.781% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $67.62 |
| Jul 21, 2025 | $69.23 |
| Jul 22, 2025 | $69.51 |
| Jul 23, 2025 | $69.50 |
| Jul 24, 2025 | $69.62 |
| Jul 25, 2025 | $63.67 |
| Jul 28, 2025 | $64.08 |
| Jul 29, 2025 | $64.92 |
| Jul 30, 2025 | $62.99 |
| 4 days before | 2.96% |
| 4 days after | -9.52% |
| On release day | -8.55% |
| Change in period | -6.85% |
| Release date | Oct 23, 2025 |
| Price on release | $75.58 |
| EPS estimate | $1.33 |
| EPS actual | $1.18 |
| EPS surprise | -11.28% |
| Date | Price |
|---|---|
| Oct 17, 2025 | $71.44 |
| Oct 20, 2025 | $73.70 |
| Oct 21, 2025 | $74.92 |
| Oct 22, 2025 | $74.74 |
| Oct 23, 2025 | $75.58 |
| Oct 24, 2025 | $78.74 |
| Oct 27, 2025 | $78.80 |
| Oct 28, 2025 | $79.17 |
| Oct 29, 2025 | $77.64 |
| 4 days before | 5.80% |
| 4 days after | 2.73% |
| On release day | 4.18% |
| Change in period | 8.68% |
| Release date | Jan 29, 2026 |
| Price on release | $70.53 |
| EPS estimate | $1.46 |
| EPS actual | $1.28 |
| EPS surprise | -12.33% |
| Date | Price |
|---|---|
| Jan 23, 2026 | $67.19 |
| Jan 26, 2026 | $67.50 |
| Jan 27, 2026 | $68.34 |
| Jan 28, 2026 | $67.14 |
| Jan 29, 2026 | $70.53 |
| Jan 30, 2026 | $59.44 |
| Feb 02, 2026 | $62.77 |
| Feb 03, 2026 | $60.63 |
| Feb 04, 2026 | $60.24 |
| 4 days before | 4.97% |
| 4 days after | -14.59% |
| On release day | -15.72% |
| Change in period | -10.34% |
| Release date | Apr 23, 2026 |
| Price on release | $60.47 |
| EPS estimate | $1.34 |
| EPS actual | $1.41 |
| EPS surprise | 5.22% |
| Date | Price |
|---|---|
| Apr 17, 2026 | $61.70 |
| Apr 20, 2026 | $60.96 |
| Apr 21, 2026 | $59.98 |
| Apr 22, 2026 | $60.17 |
| Apr 23, 2026 | $60.47 |
| Apr 24, 2026 | $57.91 |
| Apr 27, 2026 | $58.86 |
| Apr 28, 2026 | $60.76 |
| Apr 29, 2026 | $60.03 |
| 4 days before | -1.99% |
| 4 days after | -0.728% |
| On release day | -4.23% |
| Change in period | -2.71% |
The Bancorp Earnings Call Transcript Summary of Q1 2026
The Bancorp reported a strong start to 2026 with solid profitability and rapid fintech-driven growth. Key financials: Q1 EPS $1.41 (maintained full-year 2026 guidance of $5.90), ROE 35.1%, ROA 2.57%. Ending loans rose to $7.75 billion (+9% linked quarter, +22% YoY) driven predominantly by credit-sponsorship fintech loans ($1.65 billion, a ~50% linked-quarter increase). Average deposit growth fully funded loan growth with average deposit cost down to 1.7%. NIM was 3.87% (down 43 bps QoQ) but company notes fintech lending fees equate to ~24 bps of additional NIM and deposit sweep fees contributed ~4 bps. Fintech/GDV growth remains above trend (18% YoY); three fintech initiatives (cash program, credit sponsorship expansion, embedded finance platform) are progressing: cash program launched and will ramp through 2026–27, embedded finance revenue is expected to be minimal in 2026 and ramp in 2027–28, and at least two additional significant sponsored-lending programs are expected in 2026 (timelines partner-dependent). Capital returns remain a priority: $200 million buybacks planned for 2026 ($50M/quarter) and management expects buybacks near 100% of net income in 2027. Credit metrics improved: criticized assets down Q/Q (from $194.5M to $163.1M) and REBL criticized balances materially reduced; leasing reserves were released driving a small provision reversal in traditional lending. Off-balance-sheet deposits grew to $1.34B (from $850M) and generated modest sweep fee income. Management reiterated strategic shift toward higher-return, lower-cost credit-sponsorship business and signaled potential for credit-sponsored loans to become a much larger portion of the balance sheet over multiple years (company cited scenarios up to ~30–40% over a multi-year horizon). Key near-term risks: partner timing for program launches, NIM compression during product mix transition, and volatility in off-balance-sheet programs. Operational items: Aubrey property stabilization work underway (targeting breakeven and higher occupancy; sale timing tied to stabilization), continued investment in AI and efficiency, and planned securitization/transfer strategies for some fintech loans.
