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The Bancorp (TBBK) investor relations material
The Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Q3 2025 net income was $54.9 million ($1.18 per share), up 7% year-over-year, with EPS rising 13% due to share repurchases and strong fintech-driven revenue growth.
ROE reached 27% and ROA 2.5% annualized, reflecting scalable fintech operations and improved profitability.
Business model leverages fintech partnerships, specialized lending, and stable, low-cost deposits, while maintaining asset size below $10B to avoid regulatory complexities.
Major fintech initiatives—credit sponsorship, embedded finance, and new program launches—are progressing, with significant impact expected in 2026-2027.
Share repurchases reduced outstanding shares by 8% year-over-year, supporting EPS growth.
Financial highlights
Non-interest income surged 150% to $80.4 million in Q3 2025, mainly from $39.8 million in consumer fintech loan credit enhancement income.
Net interest income for Q3 2025 was $94.2 million, up 0.5% year-over-year; net interest margin declined to 4.45% from 4.78%.
Average deposits increased 9% year-over-year to $7.63 billion, with 92% FDIC insured.
Loans, net of deferred fees, reached $6.67 billion, up 13% year-over-year.
Efficiency ratio improved to 41-42% for Q3 2025, reflecting operating leverage.
Outlook and guidance
2025 EPS guidance lowered to $5.10 due to lower traditional lending balances and higher leasing credit provisions.
No specific 2026 guidance, but targeting at least $7 EPS run rate by Q4 2026; preliminary 2027 EPS guidance set at $8.25.
Long-term targets: total revenue >$1B, ROE >40%, ROA >4.0%, leverage >10%.
Growth expected from fintech partnerships, share buybacks, resource reallocation, and AI-driven efficiency.
Share repurchases included in guidance, with intent to return up to 100% of net income depending on market conditions.
Impact of traditional lending & leasing on 2025 EPS?
What drives the 2026/2027 EPS targets?
Assess the credit risk in the leasing portfolio
Embedded finance: key profitability drivers?
AI tools: future efficiency impact?
2027 EPS target: key drivers?
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Next The Bancorp earnings date
Q4 202530 Jan, 2026
Next The Bancorp earnings date
Q4 202530 Jan, 2026
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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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