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The Bancorp
The Bancorp (TBBK) investor relations material
The Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Q4 2025 EPS was $1.28, up 11% year-over-year, with net income of $56.3 million and record ROE of 30.4%, driven by fintech fee growth, platform efficiency, and capital return initiatives.
Fintech loans now comprise 15.1% of the portfolio, with fintech fees up 48% year-over-year.
Strategic plan (APEX 2030) targets fintech-dominated growth, operational efficiency, and maximizing shareholder returns.
Share repurchases totaled $150 million in Q4 and $375 million for the year, reducing outstanding shares by 5%.
Three main fintech initiatives—credit sponsorship, embedded finance, and new program launches—are positioned for significant future value creation.
Financial highlights
ROE reached a record 30.4% in Q4 and 28.9% for the full year, with ROA at 2.53% in Q4.
Loan portfolio grew 16% year-over-year to $7.12 billion, led by a 142% increase in consumer fintech loans.
Non-interest income (excluding credit enhancement) accounted for just over 30% of revenue in Q4; fintech fees reached $36.0 million.
Average deposits were $7.6 billion in Q4, with 95% from fintech and 92–94% insured.
Net interest margin declined to 4.30% from 4.55% year-over-year.
Outlook and guidance
2026 EPS guidance is $5.90, with a Q4 2026 target of $1.75 per share; preliminary 2027 EPS guidance is $8.25.
2026 buybacks forecast at $200 million, with nearly 100% of earnings to be returned via buybacks in 2027.
Annualized EPS growth targeted at 15–30%+ through 2030, driven by fintech expansion and operational improvements.
EPS growth driven by fintech initiatives, platform efficiency, AI tools, and capital return.
NIM expected to compress near 4% as fee income grows to 35% of total revenue (excluding credit enhancement).
Impact of 2027 capital return on book value
How zero-margin fintech loans affect NIM
Fintech fee growth drivers beyond credit enhancement
Credit sponsorship growth drivers for 2026
Balance sheet strategy for NIM and fee growth
Aubrey property exit strategy and value
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Next The Bancorp earnings date
Q1 202624 Apr, 2026
The Bancorp
Next The Bancorp earnings date
Q1 202624 Apr, 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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