Bancorp (NASDAQ:TBBK) Releases Quarterly Earnings Results, Misses Expectations By $0.18 EPS

Bancorp (NASDAQ:TBBK) issued its quarterly earnings data on Thursday. The bank reported $1.28 earnings per share for the quarter, missing analysts’ consensus estimates of $1.46 by ($0.18), FiscalAI reports. Bancorp had a return on equity of 27.97% and a net margin of 26.15%.The firm had revenue of $132.21 million for the quarter, compared to the consensus estimate of $101.10 million.

Bancorp Price Performance

Bancorp stock opened at $70.53 on Friday. The stock has a market capitalization of $3.10 billion, a price-to-earnings ratio of 14.72 and a beta of 1.27. Bancorp has a 52-week low of $40.51 and a 52-week high of $81.65. The company has a debt-to-equity ratio of 0.29, a quick ratio of 0.89 and a current ratio of 0.91. The stock’s 50 day moving average price is $67.96 and its two-hundred day moving average price is $69.82.

Insiders Place Their Bets

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

Institutional Investors Weigh In On Bancorp

A number of institutional investors and hedge funds have recently made changes to their positions in TBBK. Osaic Holdings Inc. lifted its position in shares of Bancorp by 3.7% during the 2nd quarter. Osaic Holdings Inc. now owns 5,586 shares of the bank’s stock worth $318,000 after buying an additional 197 shares in the last quarter. California State Teachers Retirement System raised its holdings in shares of Bancorp by 0.6% in the 2nd quarter. California State Teachers Retirement System now owns 42,929 shares of the bank’s stock worth $2,446,000 after purchasing an additional 253 shares during the period. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. grew its holdings in Bancorp by 1.9% during the first quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 27,183 shares of the bank’s stock valued at $1,436,000 after purchasing an additional 518 shares during the period. Natixis Advisors LLC raised its stake in shares of Bancorp by 1.9% in the third quarter. Natixis Advisors LLC now owns 30,275 shares of the bank’s stock valued at $2,267,000 after buying an additional 575 shares during the period. Finally, Northwestern Mutual Wealth Management Co. grew its stake in shares of Bancorp by 732.2% during the 3rd quarter. Northwestern Mutual Wealth Management Co. now owns 749 shares of the bank’s stock worth $56,000 after acquiring an additional 659 shares during the period. Institutional investors and hedge funds own 96.22% of the company’s stock.

More Bancorp News

Here are the key news stories impacting Bancorp this week:

• Positive Sentiment: Company raised its FY‑2027 EPS guidance to $8.25 (vs. street $6.50) — a materially above‑consensus outlook that signals stronger expected profitability and drove optimism about future earnings. Read More.
• Positive Sentiment: Q4 results showed strong revenue and capital actions: revenue of $132.2M topped estimates, NIM of 4.30%, continued fintech fee growth and $150M in share repurchases announced — these support earnings power and share-price support despite the EPS miss. Read More.
• Neutral Sentiment: Company issued Q4 FY2026 quarterly guidance of $1.75 (reported as “1.750-“) which is slightly above the current quarter consensus ($1.66) — this provides some near‑term guidance clarity but is less impactful than the longer‑term FY2027 outlook. Read More.
• Negative Sentiment: FY‑2026 EPS guidance was lowered/updated to $5.90 vs. the street at $6.46, which is a downside surprise for the near‑term fiscal year and may weigh on 2026 earnings expectations.
• Negative Sentiment: Reported Q4 EPS of $1.28 missed consensus ($1.46), a shortfall highlighted by analysts and the press; earnings miss tempers the headline results despite revenue outperformance. Read More.

Analyst Ratings Changes

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

About Bancorp

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.