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The Bancorp (TBBK) investor relations material
The Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Q2 2025 net income rose 11% year-over-year to $59.8 million, with diluted EPS up 21% to $1.27, driven by fintech and specialty finance growth, share repurchases, and robust operating leverage.
Return on assets was 2.64% and return on equity was 28.4% for Q2 2025, with fintech solutions generating 26% of total revenue and gross dollar volume on cards up 18% to $43.65 billion.
Announced a five-year expansion with Block for Cash App card issuance, expected to enhance GDV and fee growth starting in 2026.
Share repurchase program expanded to $500M through 2026, funded by core earnings and new senior unsecured debt.
Maintaining 2025 EPS guidance of $5.25–$6.00 and targeting at least $7 EPS run rate by end of 2026 through Project Seven.
Financial highlights
Net interest income for Q2 2025 was $97.5M, up 4% year-over-year; net interest margin was 4.44%, down from 4.97% in Q2 2024 but up from 4.07% in Q1 2025.
Non-interest income surged to $83.7M in Q2 2025, up 172.6% year-over-year, driven by $43.2M in consumer fintech loan credit enhancement income.
Prepaid debit card, ACH, and payment fees rose 14% to $31.7M; consumer credit fintech fees increased to $4M.
Consumer fintech loans surged 871% year-over-year to $680.5M, with average fintech solution deposits up 20% to $7.76B.
Efficiency ratio improved to 41% in Q2 YTD 2025, indicating strong operating leverage.
Outlook and guidance
2025 EPS guidance maintained at $5.25–$6.00, with Project Seven targeting at least $7 EPS run rate by end of 2026.
Growth to be driven by fintech revenue, share buybacks, and efficiency/productivity gains, including resource reallocation and AI adoption.
Block partnership expected to meaningfully boost GDV and fee growth starting in 2026.
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Next The Bancorp earnings date
Q3 202531 Oct, 2025
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Q3 202531 Oct, 2025
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Frequently asked questions
The Bancorp Inc. is a financial services company that provides banking and payment solutions to businesses and financial institutions. The company specializes in fintech banking, offering services such as prepaid and debit card issuance, payment processing, and lending solutions. It also provides commercial lending, including small business loans, securities-backed lines of credit, and leasing services. The Bancorp operates primarily as a partner bank, supporting fintech companies, investment advisors, and other financial service providers. The company is headquartered in Wilmington, Delaware, and its shares are listed on the NASDAQ.
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